which coverages should you focus on when buying an auto insurance for a teenager?

Did you know that your teenager’s auto insurance policy could cost you double what you pay for your own insurance? Well, insurance companies tend to hike insurance rates for new teenage drivers due to many obvious factors. If you are looking to buy insurance for your teenager in Huntington Beach, CA, you can always speak to insurance experts at Western Republic Insurance Services who can guide you on which coverages to buy.

So, which coverages should you focus on when buying insurance for your teenager?

Bodily injury and property damage liability

Teen drivers are usually assumed to be inexperienced. It’s easy to get themselves on the wrong side of the road and law. Overspeeding or driving under influence is also common for teenagers. Therefore, it would be a prudent idea to focus on liability coverage. Keep in mind that driving under influence or over speeding can land your teen into trouble with the law, especially when lawsuits emerge.

Personal injury protection

Personal injury protection is a great coverage to protect your teen and any other passenger in the car from physical harm in case of an accident. It can also cover lost wages if the teenager was working.


Collision coverage can help repair a damaged car due to collision with various objects like stones, trees, fence, poles, or another vehicle. This coverage can be useful for any teenager who is still new in the roads or teenagers who may drive while intoxicated.


Teenagers tend to move and party a lot, which may leave their cars exposed to thieves and other natural elements. This coverage will be an ideal top-up in case your teen’s car is stolen, vandalized, or destroyed by a storm.

If you still need help choosing the packages or the number of premiums, Western Republic Insurance Services is here to help. For more information, quotes, or queries, feel free to call us or visit us at our Huntington Beach, CA offices.