A CONSUMER GUIDE TO AUTO INSURANCE
A CONSUMER GUIDE TO
AUTO INSURANCE
FOR TEEN & YO U N G A D U LT D R I V E R S
INSURANCE ADMINISTRATION
A CONSUMER GUIDE TO AUTO INSURANCE FOR TEEN & YOUNG ADULT DRIVERS
TABLE OF CONTENTS
Who We Are . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Required Auto Insurance Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Other Coverage Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Consequences of Failing to Maintain the Minimum Required Insurance . . . . . . . 6 Factors Affecting Auto Insurance Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Tips for Reducing Auto Insurance Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Driving Information and Tips for Young Drivers . . . . . . . . . . . . . . . . . . . . . . . . . 9 Information About the Privilege to Drive for Young Drivers . . . . . . . . . . . . . . . . 10 What To Do if You Can't Find Insurance as a Young Driver . . . . . . . . . . . . . . . . 11 Where to Obtain More Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 How to File a Complaint . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Maryland Insurance Administration ? 800-492-6116 ? insurance.
A CONSUMER GUIDE TO AUTO INSURANCE FOR TEEN & YOUNG ADULT DRIVERS
WHO WE ARE
The Maryland Insurance Administration (MIA) is an independent state agency that regulates Maryland's insurance marketplace and protects consumers by ensuring that insurers and insurance producers (agents and brokers) act in accordance with insurance laws. We produced this guide to help educate Maryland residents about auto insurance for teen and young adult drivers. The Insurance Administration is also responsible for investigating and resolving complaints and questions concerning insurers that conduct business in Maryland.
INTRODUCTION
Most teens can't wait to earn the privilege to drive . . . alone and away from parents' protective eyes. Statistics show that teenagers are at the highest risk of a crash or injury during their first two years of driving. Much of this is due to a simple lack of experience. Driver error is also precipitated by such distractions as talking on a cell phone, sending or reading text messages, conversing with passengers, smoking, eating or listening to music. Did you know that this simple lack of experience, combined with any driving infractions, will greatly affect the auto insurance premiums your family pays? That is why the Maryland Insurance Administration has prepared this guide. It provides an overview of Maryland's insurance laws and helpful tips on how to reduce your family's auto insurance premiums.
Maryland Insurance Administration ? 800-492-6116 ? insurance. 1
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