Do Car Insurance Companies Give Defensive Driver Discounts To Teens
Reader’s Question:
Do car insurance companies give discounts for teenager who take a Driver Education course?
Jenny Dallas, TX
Insurance companies do offer a discount for teenagers that have taken a driver education course. These insurance companies believe that it is helpful for new teenage motorist to take a driving class if offered though because it is useful as they learn to operate vehicle for the first time. In most states it is required of a teen to take a driver’s education class and that is one reason that no discount is given to some. Defensive driving courses or driver education classes are also used by some states in lieu of driving points after receiving a person receives a traffic violation citation.
Some other popular discounts are:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Can Teen Use Learners Permit To Go To Work
Reader’s Question:
I live in Florida and Im 17 years old. My question is, can I use a learner’s permit to go to work?
Justin
Good Question Justin.
According to the Florida Department of Highway Safety and Motor Vehicles you may, with a learner’s permit:
1. drive during daylight hours during the first three months from the original issue date and must be accompanied by a licensed driver, 21 years or older who occupies the front passenger seat. After the first three months, drivers may operate a vehicle from 6 a.m. to 10 p.m. with a licensed driver, 21 years of age or older, who occupies the front passenger seat.
The next step is to get an operator’s license. To be able to get an operator’s license, you must be at least 16 years old and have held a learner’s license for at least one year without any traffic violations.
With a Florida Operator’s License, you may:
If you are 16 years old you may only drive between 6 a.m. and 11 p.m., unless accompanied by a licensed driver who is at least 21 years old and occupies the front passenger seat, or you are traveling to or from work.
If you are 17 years old you may only drive between 5 a.m. and 1 a.m., unless accompanied by a licensed driver who is at least 21 years old and occupies the front passenger seat, or you are traveling to or from work.
From the information above it appears that once you have an operator’s license you can travel to or from work outside of the restricted hours but with a learner’s license you must always have a licensed driver over the age of 21 to accompany you in the front seat
To make sure of some certain restrictions and exclusions, you may contact the Florida DHSMV to get more information.
Goodluck!
MariCAR
