Auto Insurance For Teenager- Can I Add My Son As Occasional Driver?
Filed under: Teenager car insurance, Teenager insurance
Reader’s Question:
My son is a full time student currently residing on campus. He does not drive and he does not own vehicle. He is on our car insurance policy currently and I would like to know if we could remove him from our car insurance policy in Flint, Michigan and will be covered if occasionally drive our vehicle?
Jenny
Flint, MI
Generally, car insurance carriers will require you to list all licensed household members and that includes all children that are away at college or home that may drive your cars. Usually coverage is extended to those you have given permission to drive your car. However it does not cover a relative who drives your car that are not listed on your car insurance policy or specifically excluded on the auto insurance policy.
I suggest that you check with your current car insurance carrier in Flint, Michigan to know exactly the rules and guidelines in your specific situation. You may also read over your car insurance policy to verify if your son will still be covered if you take him off your car insurance policy.
Insurance carrier’s rules and guidelines differ. Some may look into mileage driven and some insurers do not. I believe it is possible that your son may be included as an occasional driver on your car insurance policy. Another option that you may do is to exclude him at the time that he is in school by showing proof that he is not residing with you. The insurance company would want to make sure that your son do not have access to your vehicles so may need to present proof that he does not live with you. So, verify with your car insurance company in Flint, Michigan to get the answers for your car insurance needs.
Tags: auto insurance, Student car insurance, teen insurance, Young driver car insurance
Young Driver Auto Insurance Quote Kenner Louisiana LA
Reader’s Question:
If a teenage driver, my 16 year old daughter, is not listed on the car insurance policy in Kenner, LA and gets in an accident, is she covered?
Lisa
Kenner, LA
In most cases there would not be coverage if your daughter is not included in your insurance policy in Kenner, LA and gets in an accident. Most insurance providers require that all household members and/or licensed drivers be disclosed on the car insurance policy. You should verify with your insurance agent or insurance carrier to determine if this damages would be covered.
When a young driver acquires their learners permit or drivers license a call to the insurance carrier is required. I know how hard it is when it is time to insure our teens.
Comparison shop for young teen driver’s prices. You can obtain some comparison prices for car insurance quotes here by just typing in your zip code in the box above to get started.
Tags: auto insurance, car insurance quotes, teen insurance
Young Driver Insurance Fort Wayne, Indiana IN
Reader’s Question:
Why do auto insurance companies in Fort Wayne, Indiana ask about young licensed drivers in the household even if they don’t drive the car? I gave my sisters name and the auto insurance agent told me that she would be excluded from my insurance policy. Why?
Hart
Fort Wayne, Indiana (IN)
Insurance providers in Fort Wayne, Indiana want to know about all licensed household members , young or old, so they can determine their potential risks for having you and these licensed drivers covered by your auto insurance policy. When you buy auto liability insurance there can be a vicarious risk assigned to the insurance provider to cover all household members. Many insurance providers will require that you either add licensed drivers in your household to the insurance policy or exclude them. The reason for this is that as household members it is assumed they have access to your cars and may drive them at any time.
Excluding your sister from your auto insurance policy would mean that you are not paying extra on your car insurance policy to have her as a driver and thus she is not extended any insurance coverage by your insurance policy if she were to operate your vehicle and be in an accident.
Tags: auto insurance, teen insurance, Young driver car insurance
Teen Car Insurance Greensboro North Carolina NC
Reader’s Question:
Im 17 years old residing in Greensboro, North Carolina. Can I register title and insure a vehicle under my name?
John
Greensboro, NC
According to the NC DOT their laws do not set a minimum age limit as to ownership of a car as long as the car owner can sign their name on the application of title. But a license plate cannot be issued without auto insurance on the car.
According to North Carolina DOT, insurance providers normally will require you to have a parent or guardian sign your insurance paperworks if you are under eighteen years of age and thus still considered a minor.
Once you find out the laws for registering and titling a car in Greensboro NC you then can contact insurance carriers for quotes and for their guidelines on a minor getting a car insurance policy. Most insurance providers will require a parent or guardian to sign on an car insurance policy with you since it is a legal document.
Tags: automobile, Business Auto Insurance, teen insurance, Young driver car insurance
Teen Drunk Driving Elyria Ohio OH
Reader’s Question:
I’m 17 years old and I live in Elyria Ohio and recently got a speeding ticket. I just got my license about 3 weeks ago. Do you think my license will be suspended for my 1st violation?
Michelle
Elyria, OH
The state of Ohio does have special suspension rules for teenagers with probationary licenses or temporary permits. If you are under 18, the Registrar of Motor Vehicles will automatically suspend your probationary license for ninety days if you plead guilty or convicted to two moving violations. You may also be required to attend a state authorized juvenile driver improvement program.
Probationary license holders and temporary permit holders will be suspended for a year for accruing three moving violations before age 18. Probationary license holders and temporary permit holder may be suspended for six months if convicted of certain traffic-related offenses.
If you are convicted of certain alcohol-related violations such as DUI before age 18 your probationary license or temporary permit will be suspended for six months. You may contact the Ohio Bureau of Motor Vehicles (BMV) for more information regarding the OH graduated licensing program.
Tags: New Driver Insurance, teen insurance, Young driver car insurance
Young Driver Car Insurance Georgia GA
Reader’s Question:
My 16 year old son’s car insurance is sky high! How do I help my son lower his car insurance premium in Georgia?
Arnold
Albany, GA
Here are some tips to help teen drivers lower their car insurance rate:
1. Staying on your parents’ insurance policy could save you a lot of money. Definitely, it will increase your parents’ car insurance premium however that may be cheaper than starting your own auto insurance policy. Motorists with experience may be eligible for discounts for owning a home, being married, having several vehicles,etc.
2. Some insurance providers offer discounts to teens or young drivers, for taking a driving class or good grades. Although that might not mean that their car insurance rates are cheaper than an adult or motorists with more experience.
3. As you get older your car insurance rates drop. At age 19, you may be able to see a drop by as much as 28%. Your car insurance rate could drop an additional 31% at the age of 21.
It would be also helpful to speak with your Georgia car insurance agent to ask on how to lower your teen car insurance.
Tags: Car insurance discounts, First time driver car insurance, Student car insurance, teen insurance, Young driver car insurance
Teen Car Insurance Connecticut CT
Reader’s Question:
My teenage daughter who is nineteen years old just recently bought a car and is getting her own insurance on it Connecticut She attends college and she works part time. How much car insurance should she have? .
Maria
Bridgeport, CT
The state of Connecticut requires minimum Bodily Injury Liability coverage of $20,000 per injured person up to a total of $40,000 per accident, and with a minimum limit of $10,000 for the Property Damage Liability coverage .
Higher limits of the state minimum amounts are good to be purchased if it is financially available to your teenage daughter. It is something she could speak about with an insurance broker or agent.
Beyond the coverages if her vehicle is financed she will likely be required to also have comprehensive and collision on the car. If her vehicle is not financed she may still want to consider these types of physical damage coverages so that her vehicle is protected.
Teen Auto Insurance Quote
Reader’s Question:
I would like to know how much my father can expect insurance premiums to increase if he adds me to his car insurance? I just got my G2 last month. I have also taken a drivers defensive course and have held a G1 for a year. I’m only 19 years old and our current annual premium is between 1800-2000.
Allan
Denver, CO
The cost of adding a teenager with a G2 to an auto insurance policy will vary depending primarily on the type of car(s) you own, the age of the new driver and the young driver’s driving record. An auto insurance charge will be applied to your father’s insurance. All G2 motorist living in their parent’s household and driving a car must be added to their auto insurance policy.
Generally, adding you to the policy can up the rates by $1000 – $2000, so doubling the cost of your father’s insurance is possible depending upon your parent’s insurance provider’s rating system. Your father should speak with his auto insurance agent or company to get a quote for how much it will cost to add a teen to the policy now that you hold your G2. Make sure that he mentions your driver’s education course to acquire a discount for that.
Teen Insurance Illinois IL
Reader’s Question:
I am a nineteen year old teen from Illinois. My parents are planning to buy me a car and I would like to know more about my requirements for auto insurance in Illinois?
Paul
Chicago, IL
The state of Illinois requires that teenagers should have insurance before driving. The insurance company will send you an insurance card after you have paid your policy. Your IL insurance card should be kept always in your vehicle because driving in Illinois without insurance will suspend your license plates and incur you fines. Before driving anyone’s car, be sure there’s an insurance identification card. In Illinois, it is mandatory to carry the insurance when driving any vehicle.
Teenager Car Insurance Michigan MI
Reader’s Question:
Do I need to rush to get my teenage daughter her Michigan car insurance as soon as her permit and car are ready?
Candice
Detroit, MI
Yes.
Do not procrastinate just so you can save a few dollars. If you delay and your teenage daughter gets involved in a car accident, your insurance company generally will cover it, but can retroactively charge the higher premium, or worse revoke your coverage. Also, never carry less coverage on a teenager who happens to be a higher-risk driver, or you will be forced to cover the damages from you own pocket.