Getting a learner’s permit is an exciting milestone in a young person’s life. It’s the first step to getting a driver’s license and the freedom that comes with it. But with that freedom comes responsibility. One of the most important responsibilities is ensuring you have the right auto insurance coverage.
This article will look at what kind of insurance coverage you need with a learner’s permit. We’ll discuss how adding a permit holder to a parent’s policy works, how much car insurance is required for a permit driver, and if you can get insurance on a car with a permit. By the end, you’ll know whether you need auto insurance with a learner’s permit and, if so, what kind you need.
Adding a Permit Holder to a Parent’s Policy
If you have a learner’s permit, you may wonder if you need to get your car insurance policy. First, you’ll need to check with your parents’ car insurance provider to see if permit holders can be added to a policy. Some companies don’t, so making sure before you move forward is essential.
If they do, you’ll likely be added as a “named driver.” It means that you’ll be listed on the policy as someone authorized to drive the car. This is important because the insurance company will provide coverage for you if you get into an accident.
It’s also important to note that adding a permit holder to a policy may affect your parents’ premium. The exact amount will depend on the insurance company and their policies, but it could increase significantly.
How Much Car Insurance Does a Permit Driver Need?
If you are added to your parents’ policy as a permit driver, you’ll need to ensure that you have the right car insurance coverage. Most states require drivers to have specific minimum amounts of liability insurance. This includes bodily injury liability and property damage liability.
In some cases, you may also be required to have uninsured/underinsured motorist coverage. This coverage helps protect you if you get into an accident with someone who doesn’t have insurance or doesn’t have enough insurance.
It’s important to note that the minimum requirements may vary from state to state. It’s a good idea to check with your state’s motor vehicle department to ensure you have the right coverage.
Do You Need Insurance with a Provisional License?
Once you get your provisional license, you may wonder if you still need to be listed on your parent’s policy. The answer is yes. Even though you have a license, you’re still considered a high-risk driver and must be listed on a policy to get coverage.
In some cases, you can get your insurance policy. However, there are better options than this. In most cases, it’s cheaper to stay on your parent’s policy. So, it’s usually a good idea to stay on their policy until you’re more experienced and can get better rates.
Get the Best Auto Insurance Coverage with Reardon Insurance Agency
Getting a learner’s permit is a big step in a young person’s life. But it’s essential to understand the importance of having the right auto insurance coverage. Get protected on the road today with Reardon Agency Insurance! Don’t wait; contact us now for auto insurance coverage, and secure your future with a quote.
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