If you are an Ohio driver, state laws require you to have auto insurance. Selecting the right car insurance policy can be challenging for some drivers. If you live in the Cincinnati, OH, area, our team at McCluskey Insurance Services LLC is here to help clarify your insurance options. Since 1999, we’ve been assisting Ohio drivers like you in finding the coverage they need.
Auto Insurance for Teen Drivers and College Students
According to the Ohio Department of Insurance, you should contact your insurance agent as soon as a teen in your family obtains their driver’s permit. Adding a teen driver to your policy will result in higher auto insurance premiums. On average, premiums can increase by up to 50% for female teen drivers and even more for male teen drivers. However, teens who complete a safety course may qualify for discounts, which can help offset the cost.
When your child becomes a college student, there are additional options to consider regarding their auto insurance coverage. If the student’s car will be parked most of the time, you may be eligible for a reduced rate under a “stored vehicle” or “occasional use” policy. Additionally, you should discuss with your insurance agent whether your college student should remain on your policy or obtain their own auto insurance policy.
Contact Us Today for Assistance
Driving without auto insurance can lead to significant legal and financial penalties. At McCluskey Insurance Services LLC, we are dedicated to helping Ohio drivers find affordable and reliable coverage. Drivers in Cincinnati, OH, will benefit from working with our experienced and responsive team of agents. Call us today to schedule an appointment and let us help you find the right auto insurance policy for your needs.
