If you have a teenager that is going to take the test to get their learner's permit, and you aren't sure what you need to do so they can drive your car legally, there are a few things to take into consideration. You need to have the teen insured in case anything happens when you are on the road.
This is likely to raise your auto insurance bills. Here are the steps to take to find out what type of coverage you need and how to save money.
Check with Your Insurance
You need to call your insurance provider or pull out the documents from your plan and go through the information to see if your driver is covered already with your current insurance policy. Some providers will automatically insure your permitted driver under your policy, and others will require that you add them to the policy and pay an additional fee for the coverage that you need.
Only Cover the Driver on One Vehicle
If you have more than one family vehicle, you can save money by only adding your teen driver to one of the vehicles for coverage needs. This means that they can only drive that vehicle while they are learning to get comfortable behind the wheel.
Inquire About Discounts
You may be able to get discounts with your insurance provider if you provide the following details:
A defensive driving course will teach them to look for risky drivers or situations that can cause accidents. Ask your insurance provider what other type of benefits your teen may be able to receive so you are saving as much money as you possibly can.
The type of vehicle that you are letting your teen learn to drive may also affect the rate of your insurance. More safety features on the vehicle, like anti-lock brakes or rear cameras, can help to lower the rate that you are paying.
If you are concerned that your auto insurance provider is charging too much for the added teen driver, you want to take this time to shop around and compare the prices of other different auto insurance providers. This way you can find the best rate and the best policy to fit the needs of your family.
Contact an auto insurance provider to learn more.
After we had kids, we realized that we needed to up the ante on our insurance coverage. While we had a policy in place, I knew that we had to do something to make sure that we were protected in any instance, which wasn't the case at the time. I began talking with different brokers about what we could do to improve our coverage, and they had some really great suggestions that seemed to help. This website is here to help other people to know how to purchase insurance, and what kinds of policies would work best for your special family.