Agency Owner, A1 Insurance LLC, Arizona, California Agency
Good Question your teen must have a driver license. Some companies have better rate than other for young drivers and give discounts such as good student, teen driving education and other discount.
Check with your current provider and also call a local insurance broker who can shop around for the best rate for your new driver.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Any licensed driver that resides in your household must be included on the auto insurance policies written on cars belonging to your household. There isn’t an option. A licensed driver cannot sit on a shelf and not be rated on an existing automobile. If the insurance company can determine which vehicle the inexperienced operator drives, they will rate the youthful driver as the primary driver unless there are more drivers than vehicles. Even then the youthful driver will be listed as an occasional operator on one of the vehicles. It is best to consult with your agent to determine the best car for the inexperienced driver to operate. The charge for a youthful driver is generally a percentage of the normal premium, so assigning the youthful driver to a car with a low premium generally makes the best sense.
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Check with your current provider and also call a local insurance broker who can shop around for the best rate for your new driver.