School’s out, gas tanks are full, and teen drivers are hitting the road across Texas and New Mexico. While summer brings freedom and fun, it also marks one of the most dangerous seasons for young drivers. At Bundle Bee Insurance, we’re here to help parents navigate the auto insurance side of this milestone—because protecting your family starts with smart planning.
Why Summer Driving Is Riskier for Teens
According to the National Highway Traffic Safety Administration (NHTSA), the 100 days between Memorial Day and Labor Day are the deadliest for teen drivers. More free time, more passengers, late-night driving, and distracted behavior all contribute to an increase in accidents.
That’s where the right auto insurance comes in. It won’t stop an accident—but it will ensure your teen and your finances are well protected if the unexpected happens.
5 Insurance Tips for Parents of Teen Drivers
Add Your Teen to Your Policy (Don’t Delay!)
It might be tempting to delay adding your teen driver until they’re more experienced—but that’s risky and often against your policy’s terms. Adding them upfront avoids denied claims or surprise costs later.
Take Advantage of Good Student Discounts
Most insurers reward students who maintain a 3.0 GPA or better with 5–15% off premiums. Bundle Bee works with carriers like Progressive, Safeco, and Travelers, many of which offer this discount automatically with report cards or transcripts.
Enroll in a Safe Driving App or Monitoring Program
Usage-based insurance (UBI) programs track things like speed, braking, and phone use—often leading to big savings for careful drivers. Apps like Snapshot® or RightTrack® reward teens (and parents!) for safe habits.
Raise the Deductible, Not the Coverage
If you’re worried about premium increases, consider adjusting your deductible instead of cutting coverage. Teens need robust liability protection, especially if they cause an accident.
Teach Insurance Basics Early
Talk to your teen about how driving habits affect insurance rates. Encourage responsibility and involve them in comparing quotes, filing claims, and setting coverage levels.
Bonus Tip: Driver’s Ed = Lower Premiums
Many insurers offer discounts for completing a certified driver’s education course—and it’s proven to reduce crash risk. Ask us which programs qualify in Texas and New Mexico.
Bundle for Bigger Savings
Got a teen AND a new car? This is the perfect time to explore bundling your home and auto policies. Families who bundle often save hundreds a year—plus they get smoother claims handling and a single point of contact.
You’re Not Alone—We’re Here to Help
At Bundle Bee Insurance, we understand the unique challenges families face when adding a new driver. Our independent agents work with top-rated carriers to find the best balance of coverage and price. No guesswork. No one-size-fits-all. Just honest guidance and tailored protection from people who care.
Ready to Add Your Teen Driver?
Call us today for a free, no-obligation teen driver quote. We’ll walk you through every step—from discounts to safe-driving incentives—so you can feel confident your teen is protected.
Call or text (915) 590-0000
Visit https://bundlebeeagency.com/
Serving all of Texas and New Mexico
