Reasons to Add a New Licensed Child to Your Auto Insurance

Why You Should Add Your Newly Licensed Child to Your Auto Insurance

For parents, few milestones are as exciting—and nerve-wracking—as a trip to the DMV when a child earns their driver’s license. It’s a moment that symbolizes independence and responsibility, but it also raises a very important question: Should you add your newly licensed child to your auto insurance policy?

At Leber Insurance Group in Newtown, PA, we proudly serve families in Newtown, PA, Bensalem, PA, Richboro, PA, Southampton, PA, Holland, PA, Langhorne, PA, Yardley, PA, and surrounding areas, and we know firsthand how crucial this decision can be. The answer is simple: Yes—you should absolutely add your new driver to your auto insurance. Here’s why.

Legal and Financial Protection

First and foremost, Pennsylvania law requires that all drivers are properly insured. If your child is driving your vehicle but is not listed on your insurance policy, you could be exposing yourself and your family to significant financial risk.

In the event of an accident, your insurance company may deny coverage if an unlisted driver was behind the wheel. That could leave you personally responsible for damages, medical bills, and even lawsuits. Adding your child to your policy ensures that everyone in your household is legally and financially protected every time they drive.

Peace of Mind for Parents

Let’s face it—teen drivers don’t have the same level of experience as adults. Studies consistently show that new drivers are at higher risk for accidents within their first few years on the road. By adding your child to your auto insurance, you’re not just complying with the law—you’re gaining peace of mind knowing that if something does happen, your family is covered.

At Leber Insurance Group, we work with over 20 carriers to find the best coverage and rates for families with new drivers. Our goal is to make this transition as smooth and affordable as possible.

Building Your Child’s Insurance History

Another benefit of adding your child early is that it helps them begin building their own insurance history. Over time, this can help them qualify for lower premiums when they eventually get their own policy. By being on your plan, they start establishing a record of responsible driving and continuous coverage, both of which can pay off significantly down the road.

Think of it as an investment in their financial future. You’re not just insuring them today—you’re setting them up for better rates tomorrow.

The Risks of Not Adding Them

It can be tempting to avoid adding your child to your policy in hopes of saving money on your premiums. However, the potential consequences far outweigh the short-term savings.

If your child is involved in an accident while not listed on your policy:

• Coverage may be denied. Your insurance company could refuse to pay for damages.

• You could face lawsuits. Without coverage, you may be personally liable for injuries or property damage.

• Your policy could be canceled. Failing to disclose all drivers in your household is considered a form of misrepresentation, which may lead to policy termination.

Simply put: the risk of not adding your child is far too great.

Discounts and Ways to Save

The good news is that adding a new driver doesn’t have to break the bank. At Leber Insurance Group, we help families take advantage of multiple discounts and savings opportunities, including:

• Good Student Discounts – Many carriers offer lower rates for students who maintain strong grades.

• Defensive Driving Courses – Completing a certified driving course can lead to reduced premiums.

• Safe Vehicle Discounts – Cars with advanced safety features can help offset higher premiums for teen drivers.

• Bundling Policies – Combining your auto and home insurance with the same carrier often results in substantial savings.

Our team shops the entire marketplace on your behalf to make sure you’re not overpaying for peace of mind.

Supporting Families in Bucks County and Beyond

At Leber Insurance Group, we’re more than just an insurance agency—we’re part of the community. We understand the excitement and concerns that come with raising young drivers because we work with families just like yours every day in Newtown, Bensalem, Richboro, Southampton, Holland, Langhorne, Yardley, and the surrounding areas.

Our mission is simple: provide the right coverage at the right price, tailored to your family’s unique needs.

Final Thoughts

Watching your child get behind the wheel for the first time is both exciting and a little nerve-racking. By adding your newly licensed driver to your auto insurance policy, you’re protecting your family, complying with the law, and preparing your child for a responsible financial future.

Don’t take unnecessary risks with your coverage. Instead, work with a trusted local agency like Leber Insurance Group to ensure your family is fully protected.

Call Leber Insurance Group Today

If your child just got their license, now is the perfect time to review your auto insurance. Let us help you find the best coverage at the best rates.

👉 Contact Leber Insurance Group in Newtown, PA today for a personalized auto insurance review. Serving Newtown, PA, Bensalem, PA, Richboro, PA, Southampton, PA, Holland, PA, Langhorne, PA, Yardley, PA, and all surrounding communities.

Call us: 267-291-7925
Email: info@LeberInsuranceGroup.com
Get started: LeberInsuranceGroup.com/get-a-quote