According to consumer reports website, it is cheaper to add a teen driver on to the family’s policy than to put him or her on a separate one.
“Insuring your child solo almost always costs more than the increase on the family policy,” they write. Consumer reports website also recommends the teen to share the family vehicle rather than parents buying an additional car. Ruth Shults, a senior epidemiologist at the CDC’s National Center for Injury Prevention and Control, says that young people drive more responsibly when they share, because they don’t want to get in trouble for damaging their parents’ car. Normally, a family car is safer to drive due to newer safety features, and the parents ability to monitor it.
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