New drivers always need car insurance, even while they're learning to drive. The minimum insurance requirements in your state apply to everyone who operates a vehicle, even if they only have one permit. If your teen driver has their learner's permit and plans to start driving, make sure they have car insurance, whether you add it to your policy or buy your own. Many insurers offer discounts for young drivers on a policy who are also good students.
In most states, you'll get a discount of around 10% * on your Progressive car policy if your child is a full-time student, under 23 years old, and has a B average or better. These numbers are remarkable because they reveal how much money auto insurance providers spend, on average, on claims compared to how much they invest in premiums. If you just obtained your learner's permit but have already purchased your own vehicle, you can buy your own car insurance policy just like any licensed driver. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
Most states allow college students from other states to remain on their parents' car insurance if their primary address is still the parents' residence. If you share a permanent address or if your car usually spends the night at your parents' house, you can continue to share a car insurance policy regardless of your age. As a college student, you should stay on your parents' car insurance policy if you return home on weekends or during school holidays and drive your parents' cars. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you.
Researching and comparing auto insurance rates without a little help can cause even the most easygoing consumers to pull their hair out. Naturally, car insurance providers will consider your credit history when offering you a rate. If you're studying in another country, you'll need your own car insurance policy that's valid wherever you're going to drive. Request a car insurance quote online or call 1-866-749-7436 and we'll help you customize coverage for your family's new driver.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. College students often get the best deal on car insurance and greater convenience when they stick with their parents' policy.