Does Having Children Increase Car Insurance?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Having children who are not of driving age and licensed does not in and of itself increase car insurance premiums.  You may want to talk to your Insurance Professional about increasing the liability coverage in your policy, however, in the event you are volunteering to take your children's friends to the ball field or anywhere else.  Once your child is of driving age and then is issued a license, the insurance company will charge a bit more.  Insurance premiums reflect the risk that a company is assuming on your behalf.  Younger, inexperienced drivers do tend to be an increased risk.  Be sure to ask about available discounts for having taken Drivers Education, being a good student, qualifying for occasional usage rates etc to save money.
    Answered on July 2, 2014
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