How to Add Your Child with a Learner's Permit to Your Insurance Policy

1.

Call your insurance company and inform them that you wish to add the name of a family member to your existing policy. Usually at the time of providing insurance, the company tries to find out if other members of the family will drive the same car.

2.

Talk tactfully to the company representative. The name of your child will be added in your policy, making them eligible to drive in the United States. Depending on the age of your child, your insurance premium will be readjusted.

3.

Ask for a reduced rate. If your child is only going to drive occasionally, companies may offer a lower increase in your premium.

4.

Enroll your child into a good driver's education course. This can help in reducing your premium increase.

Tips and Warnings

  • Make sure your child shows good academic progress. In many cases, insurance companies lower the rate if a child has grade that are an average of B or higher. Note that this is valid even for teenagers above 18 who have a driver's license.
  • Ensure that your child drives only occasionally. This reduces the risk of your car being damaged and will reduce your insurance premium.
  • Avoid insuring your child to drive a sports car. This will increase your premium drastically.