insurance coverage for a new driver
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UPDATED: Mar 12, 2013
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Insurance Question from Saugus, MA
Asked on 03/12/2013
insurance coverage for a new driver my 17 year old daughter just passed her license test 2 days ago. i told her she couldnt drive my vehicle until she pays the insurance. i went on line to find out an approximate amount it would be when i add her so that she can know what she will be paying. they added her to my policy and will be deducting the new amount in a week and a half. so my insurance went from $35.00 per month to $221.00. i told them i wasnt ready to add her but they refuse to take her off my policy because she is over 16 and licensed. she wont be driving my vehicle, why do i pay?
Answer given on March 18, 2013
If there is a licensed driver in the household, and they do not have other insurance through another car or insurance company, your insurance company can add the driver to your policy. You probably should have asked about the cost without revealing that she is already licensed, but would soon be licensed. This could have saved you soome time to work our the finances.Since your daughter is licensed to drive, she is a possible driver in the household. If you do not add her to the policy, then the insurance company can choose to exclude her from your policy. You don’t want to exclude her, since she may drive the car occasionally.Talk to the agent. See if you are receiving all of the discounts available for your daughter. If there is only one car in the household, she would be considered an occasional driver, not a primary driver. If she has good grades, she would be eligible for a good student discount. Some companies also offer discounts for taking drivers education. Meet with your agent to go over all of the discounts you can get.
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