Does My Child Need Auto Insurance When You Have A Learner’s Permit?
Auto insurance regulations vary from state to state. You should always contact your auto insurance company when adding a new driver. Some states will require you to add your child to your auto insurance policy with a learner’s permit. Other states will have your young driver automatically covered under your policy. Adding your teenager to your auto insurance policy can increase your premiums up to 100%.
Why does my auto insurance premium increase when I add a young driver?
Studies show that the overwhelming majority of accidents occur with drivers under the age of 25. Adding your teenage driver to your auto insurance policy will increase your premium by 50 to 100 percent depending on your state of residence. One helpful tip is to have your young driver take a defensive driving course to reduce your auto insurance premium. Some auto insurance carriers offer good student discounts. Always shop around for the best rates to decrease your auto insurance expense.
Auto insurance tips when adding your child as a driver on your policy
Shop around for the best rates. A little leg work on your part can save you hundreds of dollars per year.
Let your auto insurance company know that you are adding your child as a driver. Even with a learner’s permit you need to be sure your child is covered. This can save you thousands in the event of an accident. Higher risk means higher premiums so be prepared to pay a little extra to have your teen behind the wheel.
Take advantage of discounts such as defensive driver courses and good student discounts.
Lead by example. Show your child how to drive appropriately. Brake at those yellow lights and avoid speeding.
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- What If My Child Is Covered By 2 Auto Insurance Policies?
- Can I Add My Teenager To My Present Auto Insurance Policy?
- How Much Does It Cost To Obtain Car Insurance For a Teenage Driver?
- If My Child Has A Car In Their Name Can They Use My Auto Insurance?
- Cheap Young Driver Insurance: Get Great Car Insurance
