As summer kicks off and the school year winds down, many families in Albuquerque find themselves shifting gears—literally and figuratively. Teen drivers hit the road more often, families start planning road trips, and college students return home, often needing access to a vehicle.
With all these transitions happening at once, it’s the perfect time to review your auto insurance and make sure you’re covered for the season ahead. Whether you’re adjusting for a new driver or gearing up for a summer road trip, a quick review of your policy—or a new insurance quote Albuquerque NM drivers can trust—can offer peace of mind when you need it most.
1. Teen Drivers Are On the Move
When school is out, teen drivers are more likely to be on the road. Summer jobs, social activities, and weekend adventures mean increased exposure to risk. If your teen is newly licensed or spending more time behind the wheel:
- Make sure they’re properly listed on your policy.
- Ask about good student or safe driver discounts.
- Be sure the car they’re driving is insured under the correct vehicle profile.
Teen drivers often have higher insurance costs due to their inexperience, but the right policy can help manage risk and reduce liability.
2. Planning a Summer Road Trip? Double-Check Your Coverage
If you’re hitting the road this summer, now is the time to:
- Review your liability limits to make sure you’re fully protected.
- Check for comprehensive and collision coverage in case of accidents or theft.
- Confirm that you have roadside assistance and towing included in your policy.
- Ask about rental car reimbursement if your vehicle is out of commission while traveling.
Long drives, unfamiliar roads, and more frequent travel can increase the chances of something going wrong. Don’t wait until you’re stuck on the side of the highway to find out what your policy includes.
3. College Students Are Home—And Driving Different Vehicles
Many college students return home for the summer, which may mean:
- Using a different vehicle than they drive at school.
- Needing to be added or reactivated on your policy if they’ve been excluded.
- Needing coverage in multiple states if they’re planning trips out of town.
Whether they’re borrowing the family SUV or sharing rides with friends, it’s important to update your insurance to reflect current driving habits.
4. Swapping Vehicles? Don’t Forget to Update Your Policy
Seasonal vehicle swaps are common—maybe you’re pulling the convertible out of storage or temporarily parking a work vehicle. Any time you:
- Start using a vehicle more or less frequently
- Switch who is driving which car
- Store or unregister a car for the season
You should let your agent know so your policy reflects your actual risk and use.
Ready to Shift Into Summer?
At ABQ Insurance, we make it easy to adjust your coverage with the seasons. Whether you’re welcoming a new driver, traveling cross-country, or just making sure everything is current, we’re here to help.
Get a quick review or request a brand-new insurance quote Albuquerque NM families count on—so you can enjoy your summer with confidence.
Contact ABQ Insurance today at 505-265-1600 to get started.
