Back to School, Back to Insurance Basics
Summer is winding down, and families everywhere are getting ready for a busy back-to-school season. While you shop for supplies and plan new routines, there’s another important task many parents need to tackle: updating insurance for teen drivers.
The End of Summer Means More Driving
As summer ends, teens head back to school—some for in-person classes, others for activities and part-time jobs. This means more time behind the wheel. Whether your teen is commuting to school, driving to practice, or heading to after-school jobs, their time on the road increases significantly.
More driving means more risk. According to the CDC, teen drivers are nearly three times more likely to be involved in fatal crashes than older drivers. That’s why now is the perfect time to review your auto insurance policy.
Update Your Insurance Before the School Year Starts
If your teen got their driver’s license over the summer or will start driving regularly soon, make sure they are properly added to your auto insurance. Failure to include a teen driver could result in denied claims or financial trouble after an accident.
Check your policy to understand your coverage limits, deductibles, and any discounts available. Some insurers offer discounts for teens who complete driver’s safety courses or maintain good grades. Taking these steps can help protect your family and lower your premium.
Beyond Auto: Insurance for the Whole Family
Back-to-school season isn’t just about cars. It’s also a good time to revisit other insurance policies. If your teen is going off to college, renters insurance can protect their belongings in dorms or apartments. Scheduling valuables like laptops or smartphones on your policy provides extra peace of mind.
Health insurance is also crucial. Confirm that your teen’s coverage extends to their school location, especially if it’s out of state. Some plans require updates or additional coverage to avoid gaps.
Prepare Now, Avoid Stress Later
Summer’s end signals many changes, but it also offers a chance to prepare. A simple insurance review can save you from costly surprises down the road. Give us a call at 816-847-1911 or send a message on Facebook or Instagram @CombinedInsuranceServiceLLC. We’ll help you make sure your family is protected as the school year begins.