How To Get Car Insurance Coverage With A Learners Permit

Teens and Their Parents Auto Insurance Policies

Younger Than 18

Car insurance companies will often only insure you after you get your regular driver's license. Until then, you can get coverage in several ways, including:

• Gaining coverage through your parent's auto insurance policy.

• Obtaining auto insurance coverage through a blanket family auto insurance policy.

You can also contact several auto insurance companies and check to see if they will insure your car or truck in your name. Check with three or more car insurance companies so that you can secure the best coverage at the lowest rates. Items to look for when you shop for car insurance coverage include:

• Bodily injury and property damage insurance meet required state minimum levels.

• Proof the car insurance company is solvent (you can check this through your state insurance department or Standard & Poor’s).

• Rates that are comparable for drivers your age who have a regular license.

18 and Older

If you are 18 years of age or older and you only have to keep the learner's permit until you pass the driver license road test, consider asking your parents or spouse to add you to their car insurance policy for one to two months.

After you get your regular driver’s license ask your parents or spouse to remove you from their auto insurance policy. For example, your parents or spouse could add you to their policy on a rider. They can contact their insurance agent and request that they remove the rider after you get your own coverage.

Car Insurance Tips for Drivers With a Learners Permit

There are several steps that teens and new drivers can take to keep their car insurance rates low:

• Keep your driving record free of parking and traffic tickets.

• Steer clear of drinking and driving. DUI and DWI penalties are severe in each state.

• Focus on the road and avoid distractions while you operate a motor vehicle.

• Obey road signs, traffic signals, and state department of transportation (DOT) laws.

The above steps will benefit you throughout the duration of your driving experience. They can help you to secure adequate insurance coverage at low rates for years to come.