Life Events

Adding a Teenage Driver to Your Insurance Policy

When your teen begins driving, your first (and biggest) concern is for his or her safety. At NJM, that's our first and biggest concern as well. We believe that safety on the roads is achieved when careful driving habits are adopted early on.

As part of our commitment to keeping drivers safe on the roads, we have developed a comprehensive Teen Driver Safety Program and are a proud sponsor of Share the Keys.

Tips for Parents of New Drivers

Parents have the biggest influence on their children when they're learning to drive. Help your new teen driver develop safe habits by:

  • Allowing lots of time for practice driving
  • Exposing him or her to different types of terrain and adverse weather conditions when practice driving
  • Evaluating his or her skills to determine when they are ready to drive on their own

Be sure to read all of our tips for parents of teen drivers!

Insuring a Teen Driver

Once your teen obtains a learners' permit, he or she should be added to your car insurance policy. Since their driving will limited, and would only take place with a licensed driver in the car, there is no charge on your policy until the driver receives a valid driver's license.

When your teen obtains a license, simply log on to your account to add him or her as a driver on your policy. You can also call us at 1-800-232-6600, ext. 4511 to discuss the best coverage options for your family.

And remember — your teen driver could be eligible for several valuable discounts! Here are a few that we offer for new drivers:

  • Good Student
  • Driver Training
  • Defensive Driving — this discount can be obtained for drivers of all ages who complete an approved course.

Your Policy, or Get Them Their Own?

Parents often ask if their teen driver can obtain a policy of their own. Absolutely! But here are some things you might want to think about if you're considering this as an option for your own family:

  • The policyholder (in this case, your child), would need to be an owner, or part-owner, of the car he or she would be insuring.
  • In most cases, the teen would only be insuring one vehicle and would not qualify for the Multi-Car Discount that would be included on the parents' policy if they are insuring more than one car.

Is an Umbrella Policy Right for You and Your Family?

While we don't like to think about it, accidents occasionally happen. And statistics show that teen drivers are commonly involved, mainly due to their inexperience behind the wheel. If you, your teen, or anyone driving your car is found to be the cause of an accident, the liability portion of your car insurance policy would provide the coverage for the other driver's damages. Since litigation and medical costs in New Jersey have skyrocketed in the past decade, NJM offers an umbrella policy, which would provide extra liability coverage in the event you are ever sued due to an at-fault car accident. It also provides excess coverage for your personal liability protection provided on a homeowners or renters insurance policy.

So whether your teen is currently driving, or will soon be behind the wheel, you can trust NJM to be there when you need us most.