Adding a driver under 25? Don’t just accept the new rate.
Every carrier prices a young driver differently, and most families never find out by how much. Ami shops it across 10 carriers and lines up every young-driver discount you qualify for.
- Good-student, driver-training and distant-student discounts
- Telematics options that reward safe driving
- No account, no spam, nothing sold as a lead
Three steps, one person, no call center.
- Tell us about the householdDrivers, cars and ZIP. No license numbers or VINs yet, just what moves the price.
- See the spreadThe same teen can cost twice as much at one carrier as another. You see the range across our carriers in about a minute.
- Ami finds the discountsGood student, driver training, away-at-school, safe-driving apps, and the right car on the right policy. Then a real, bindable quote.
A new driver is the biggest single change a policy ever sees.
Carriers rate a 16-year-old as the riskiest driver on the road, and many families see their premium rise 50 to 100 percent when one is added. The jump is real. How big it is depends almost entirely on which carrier you are with and which discounts get applied.
That is where an independent agent earns their keep. We know which carriers are kind to young drivers, which ones want the student rated on the oldest car, and which discounts stack. Most families we help keep the same coverage and pay less than their current carrier asked for.
- Good student (usually a B average)
- Driver-training course completion
- Distant student, 100+ miles from home without a car
- Safe-driver telematics apps
- Assigning the young driver to the right vehicle
Same side-by-side comparison. Very different day after.
National comparison sites are great at the first 60 seconds. What happens to your phone number next is where they differ.
Carriers compared
Who contacts you
Your contact information
Rate jumps at renewal
At claim time
Buying a home
Cost to you
| Feature | REVOL Insurance | Online comparison sites | Single-company agent |
|---|---|---|---|
| Carriers compared | 10 appointed carriers, priced locally | Many, through partner networks | One company only |
| Who contacts you | Ami, and only Ami | Often several partner agents or carriers | That company’s agent |
| Your contact information | Stays with REVOL, never sold | Commonly shared with partners | Stays with that company |
| Rate jumps at renewal | We re-shop it across carriers | You start over | Nowhere else to move you |
| At claim time | Your agent goes to bat with the carrier | You call the carrier yourself | Agent can help |
| Buying a home | Binder sent to your lender and title | On you | Varies |
| Cost to you | $0 | $0 | $0 |
Straight answers before you share a phone number.
Should my teen get their own policy?
Almost never. A separate policy for a young driver costs far more than adding them to yours, and they lose your multi-car and bundle discounts. We will tell you if your case is the exception.
What if they only have a learner’s permit?
Most carriers cover permit holders on the parent’s policy at no charge until they are licensed. Tell us the date they expect to get licensed and we quote for that.
Does a college student away from home still need to be listed?
Yes, if they ever drive your cars on breaks. But if they are 100+ miles away without a car, the distant-student discount can cut most of their cost.
Will shopping affect my current policy?
No. Nothing changes until you decide. We quote first and you compare it to what you have.
Savings vary by household, driving record, vehicles and carrier, and are not guaranteed. Discounts are set by each carrier and subject to eligibility. REVOL Financial Group, LLC is an independent insurance agency.