How to Add Your Child with a Learners Permit to Your Insurance Policy

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How to Add Your Child with a Learners Permit to Your Insurance Policy

The minimum approved age to get a learners permit for a boy or girl is 16 years. This permit can be converted into a valid driving license only when your child reaches 18 years of age. Although your insurance premium increases significantly, a child with a learners permit could be added to your own policy as an occasional driver. Note that it is not mandatory to add your child with a learners permit to your insurance policy. Consider the following steps to add your child with a learners permit to your insurance policy.

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Step1
Call your insurance company and inform them that you wish to add the name of a family member to your existing policy. Usually at the time of providing insurance, the company tries to find out if other members of the family will drive the same car.


Step2
Talk tactfully to the company representative. The name of your child will be added in your policy, making them eligible to drive in the United States. Depending on the age of your child, your insurance premium will be readjusted.


Step3
Ask for a reduced rate. If your child is only going to drive occasionally, companies may offer a lower increase in your premium.



Step4
Enroll your child into a good drivers education course. This can help in reducing your premium increase.

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[Gwen]

Thanks howtodo! This is very helpful since I now have a 16 year old granddaughter who really wants to get a learner's permit. It's good to know that it is not mandatory to add her. Will adding her as an occasional driver rather than a full time driver cost less? In my State, she will have to be accompanied by a holder of a valid full time driver with no others in the car.