Kidman Agency - Get an Insurance Quote

Kidman Agency    

Attention Michigan Residents:

Parents of Teen Drivers Can Save up to 35% on Auto Insurance

Start your quote to see how much you can save!
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 Or call our local office:
(734) 429-2707 

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Frequently asked questions

Can you really help?

We know adding a teen driver to your insurance can feel overwhelming—both for your nerves and your wallet! But don’t worry, we’re here to help make the process smoother, safer, and more affordable.

When should I add my teen driver to my policy?

To ensure you have coverage at the time of an accident (when it really, REALLY matters), add your teen driver to your auto policy as soon as they have their Level 2 License in Michigan.

Are you a local agency?

We sure are!  We've been proudly serving Michigan families just like yours for over 18 years with thousands of satisfied clients.

Can I speak with someone on the phone?

Absolutely, give us call between 9am - 5 pm, Monday through Friday at (734) 429-2707.

Will my quote be accurate?

If you enter accurate information about yourself, your drivers, and your vehicles, and it matches the information we obtain from third parties, such as your driving and claims history reports, your quote will be accurate.

Do I need to add all the vehicles in my household?

You should add all vehicles in your household that are:
  • Registered in your name or in the name of a household resident, and
  • Driven by you or a household resident.
Motorcycles, boats, personal watercraft or RVs can be insured on separate policies.

Which drivers should I add to my quote?

Please list the following people:

  • You and your spouse
  • All resident relatives
  • All regular drivers of each vehicle on this quote
  • All children who are dependents, even those who are away at school 

What types of car insurance coverages are best for teens?

At a minimum, Liability Coverage is required by most states — it covers damage to someone else’s property or injuries if your teen is at fault in an accident.

Beyond that, we strongly recommend considering:

  • Higher liability limits — Teens are new behind the wheel, and extra protection can really matter.
  • Collision Coverage — Helps cover repairs to your teen’s car if they’re involved in a crash.
  • Comprehensive Coverage — Protects against non-collision events like theft, vandalism, or storm damage.

If your car is leased or financed, lenders often require both collision and comprehensive coverage.

For extra peace of mind, consider adding 24-Hour Roadside Assistance — it’s a lifesaver when teens face a flat tire, dead battery, lockout, or need a tow.

Are there any discounts available for teen drivers?

  • New Young Driver Discounts — The carriers we represent offer a discount for adding a newly licensed teen driver.
  • Good Student Discount — If your teen has a B average or better, you may qualify for additional savings.

When will my teenager’s car insurance rate go down?

Typically, insurance rates start to decrease each year as your teen gains more experience — assuming they maintain a good driving record. Most insurers see noticeable drops by around age 25. 

What if my teen is away at school and doesn’t drive much?

Let us know! You may qualify for a Student-Away-at-School classification if your teen is living away at college and only occasionally drives your car when home.
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Copyright 2025 Kidman Agency, LLC
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