How to Get Car Insurance for 15 Year Olds
When it comes to car insurance, 15 year olds are going to need a little help. In most states, 15 is the age when new drivers will go to driving school to acquire their learner's permit and begin driving for the first time. A learner's permit comes with all kinds of restrictions: the holder can't drive at night, drive alone, drive with people who are not family members, et cetera. Even though there are restrictions on how a student can drive, there should be no problem with getting car insurance for a young driver—just follow these easy steps.
Step 1: Decide on Coverage
A 15 year old who will be driving the family car should have the same coverage that the parents do, whether that be collision, comprehensive, liability or a combination. If the 15 year old has their own car which is not worth a great deal of money, it's probably best to only get maximum liability coverage and to not worry about protecting the car itself. A 15 year old who has been gifted with a valuable car should of course get appropriate coverage. Decide what is the most reasonable sort of coverage for the value of the vehicle being driven before proceeding.
Step 2: Contact the Family Auto Insurance Provider
If you are a 15 year old or you have a 15 year old, it's a safe bet that your family already possesses some sort of auto insurance coverage. A lot of auto insurance providers offer family discounts, or can simply add the 15 year old to a policy that already exists (if the 15 year old will be driving a family car). The next step, then, is to contact your current provider and inquire as to their policies for adding a student to a pre-existing policy, or inquiring about family discounts for multiple policies. Write down all the relevant information concerning price and what the coverage entails.
Step 3: Contact Other Providers
While it's generally much cheaper to get insurance through a family provider, it may be worthwhile to attempt to find student car insurance through other companies. Insurance providers like Progressive, GEICO, State Farm, Allstate and Esurance are all reputable and offer an instant online quote feature, so you won't waste time submitting your information for a fast and free quote.
Step 4: Get Coverage
Once you've compared all your available options, you can contact your chosen provider to acquire student car insurance. This process should not be any different from getting regular insurance. The provider will tell you what is needed, but you can expect to supply information from your learner's permit and information about the car such as the VIN, make, model and year. Whichever provider you choose will guide you through the process to make sure the vehicle is covered.
Getting car insurance for 15 year olds isn't too different from getting car insurance for anyone else, despite the difference between a learner's and driver's permit. A few steps to compare the available coverage can help you find the best and least expensive student car insurance available.