Getting Car Insurance with a Learners Permit

You do not have to be a fully licensed driver in order to get car insurance. In fact, there is auto insurance with learners permit available under certain conditions. What are those exceptional conditions?

What is a Learner’s Permit and Who Can Get One?

Get Car Insurance with Learners Permit and Learn How it WorksA learner’s permit is the initial stage of getting a full driver’s license. In this stage, the driver needs a fully licensed driver to accompany them while driving a vehicle. A learner’s permit is usually granted to teenagers once they’ve passed both the written and driving examination.

In most states there is a Graduated Driver’s Licensing (GDL) system that means teens will go through two to three or more permits before reaching the final stage of getting a fully fledged driver’s license.

What do You Need to Get a Permit?

Although the exact procedure varies from state to state, most states require the following for you to get a learner’s permit.

  • You must be at least 15 years old
  • Pass a driver’s education course, at least the classroom part.
  • Visit your local DMV or equivalent
  • Fill out the application for acquiring the learner’s permit
  • Provide proof of identity: Usually a social security card, birth certificate, and enrollment of school
  • Passing written permit test
  • Pay fee for learner’s permit

Once you have completed all of the above, you will receive your learner’s permit either right after paying the fee or in the mail depending on the state in which you live.

What do You Need to Bring to Get Permit?

Generally speaking, you will need to bring with you three things;

  • Social Security Card
  • Birth Certificate
  • Proof of Enrollment at School

If you are past the age of secondary school, then you will only need to bring the two recommended forms of identification, the birth certificate, and social security card. Some states recognize alternative forms of identification such as a military I.D., but all states recognize the social security card and birth certificate for identification purposes.

What Can You Do with a Learner’s Permit?

A learner’s permit allows a person to operate the vehicle if there is a licensed driver sitting in the front passenger seat. Essentially, the learner’s permit is similar in function to a standard driver’s license with the restriction of requiring a licensed driver present in the front passenger seat to offer guidance and take over the vehicle when necessary.

Can You Get Car Insurance with a Learner’s Permit?

Getting car insurance with learner’s permit is possible. But it doesn’t quite work the same as those who are fully insured. However, it should be noted the car insurance for learner’s permit can be accomplished simply by extending the parent’s policy to the teen.

However, once the teen does become a fully licensed driver they will need their own car insurance policy.

Still it is possible to get learner’s permit car insurance for teens if it is not practical for them to be on the parents’ policy. You will need to ask the insurance company about the type of coverage that they offer which may or may not include those with just a learners permit. In addition, you may want to ask an independent insurance agent because they represent several different companies which offer a much better chance for buying car insurance with a learner’s permit.

How does Learner’s Permit Car Insurance Work?

Getting a Provisional or Learner Permit

Image: Flickr

Essentially, auto insurance with learner’s permit works in the same basic manner of standard car insurance save for the restrictions of the permit itself. This means that in order for the insurance to be active, the person with the learner’s permit must be accompanied by a licensed driver at all times.

You will need to inform the insurance company that someone with a learner’s permit is being added. This is because without notification, the insurance will not go into effect if they are involved in an accident.

Is learner’s permit insurance more expensive?

You may find it necessary to purchase learner’s permit insurance for teens which means that it will most likely be more expensive than standard auto insurance if only because of the inexperience of the driver. In this case you will need to look for deductions that can lower the cost of the premiums such as the following;

  • Driver’s Education Course (for example, defensive driving course)
  • Making Good Grades
  • Driving a Vehicle with a High Safety Rating
  • Choosing Liability & Uninsured Motorist Over Comprehensive Coverage

Of course, you can also choose a higher deductible as part of the car insurance with learner’s permit to lower the overall rate that is being paid. In the end, if the teen with the learner’s permit can be added to their parents’ policy that will most likely be the best choice. However, there is always the option of purchasing the insurance separately if that results in getting a better rate.

Do You Need Insurance with a Learner’s Permit?

Girl with Instructor Trying to Get a Learner's Permit

At Driving School – Young woman steer a car, maybe she has a driving test and exercising how to park.

The typical person with a learner’s permit does not have the qualifications to own car insurance. Insurance companies require an individual who has a driver’s license to own the auto insurance. This means that those with a learner’s permit are operating a vehicle that is insured by the one with the driver’s license who usually sits in the front passenger seat such as the parent.

However, it is also permissible for another person with a driver’s license to sit in the front passenger seat if the person who owns the insurance is present in the vehicle or if the driver or passenger are covered under the insurance policy itself.

For example,

The sibling of the person with the learner’s permit can sit in the front passenger seat if they have a driver’s license and are covered under their parent’s policy.

Learner’s Permit vs. Driver’s License:

In most states, a learner’s permit functions in the same manner as a standard driver’s license. Both allow for the operation of a standard car or truck and both can be used as identification since they require two forms of ID to acquire. A learner’s permit is usually associated with those 15 years of age or under the required age to obtain a driver’s license which is 16 years old in most states.

The main difference is that a learner’s permit requires that a person with a driver’s license be present in the front passenger seat.