The McBride Agency - Logo 800 White

Young Driver Discounts

The McBride Agency works to find discounts to help reduce the cost of car insurance for teen and young adult drivers.

Start Your Quote Today

"*" indicates required fields

Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Telematics Discount

A double threat! Teaching young drivers to be aware and cautious while earning discounts from 10% – 40%.

Good Student Discount

Save up to 35% if your teen driver gets good grades! Savings may last longer than you expect.

Driver Training Discount

Qualify for a discount if your young drivers complete an approved driver education course.

What Our Clients Say About The McBride Agency

Fast and friendly insurance company. By far the best insurance company I have ever dealt with. They treat you like family and very honest. Thank you for everything you guys do.

Matt A.

I’ve had a great experience dealing with Mcbride Insurance from day one! Also available within reason and he worked for me and my family as if it were for his own.

Quentin T.

Get a Quote Today
Interactive Graphic

Auto Insurance 101

Learn more about auto insurance so you can make an informed decision on your coverage.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Get coverage to protect your young driver you can rely on.

As a parent, you want to ensure your teen is safe behind the wheel. Using telematics can help to highlight risky behavior and teach them a better way.

No parent wants to think about their child being involved in an accident, but it’s important to be prepared. Your car or truck is often your biggest asset aside from your home—we’ll help you get the insurance coverage you need at a price you can afford. Auto insurance helps to protect against potentially crippling financial losses and the sheer inconvenience of being without transportation.

Working with The McBride Agency for your car insurance, you can rest assured that your teen will be properly covered in the event of an accident.

Get a Quote Today

About The McBride Agency

Formerly operating as a captive insurance agency, we realized the benefits and potential of the independent side of insurance. So instead of offering policies from one insurance company without much flexibility, we now bestow upon you the power to choose your carrier and coverage. That means the coverage you choose can be as unique to your needs, situation, and budget as you’d like. And you’re never alone, our team is here to guide you through the process!

Get a Quote Today

The McBride Agency - Logo 500

850 N Galena Avenue, Dixon, IL 61021 | 815-456-5006​