Car Insurance with Permit: Everything You Need to Know

Getting a driver’s permit is a major milestone in any teenager’s life. With a permit, you’ll have the freedom to practice your driving skills and gain experience on the road. However, it’s important to remember that you’ll need car insurance even if you only have a permit. In this article, we’ll explore the ins and outs of car insurance with a permit, including what it covers, how to get it, and FAQs.

What is Car Insurance with Permit?

Car insurance with a permit is a type of insurance policy designed specifically for new drivers who have not yet earned their full driver’s license. This policy provides liability coverage in case you are involved in an accident while driving with a permit.

Liability coverage is mandatory in most states, which means that if you cause an accident, your insurance company will pay for damages and injuries sustained by the other party. With car insurance with permit, you’ll be able to comply with state requirements and protect yourself financially in case of an accident.

What Does Car Insurance with Permit Cover?

Car insurance with permit typically covers the following:

• Liability coverage: This covers bodily injury and property damage that you cause to others while driving. It also covers legal fees if someone sues you as a result of an accident.
• Medical payments coverage: This covers medical expenses for you and your passengers if you’re injured in an accident.
• Uninsured/underinsured motorist coverage: This covers damages and injuries that you sustain in an accident caused by someone who doesn’t have enough insurance or no insurance at all.

Note that car insurance with permit does not typically cover physical damage to your vehicle, such as collision or comprehensive coverage. However, you may be able to add these types of coverage to your policy for an additional fee.

How to Get Car Insurance with Permit

Getting car insurance with permit is similar to getting car insurance with a full driver’s license. Here’s what you need to do:

1. Research insurance companies: Look for insurance companies that offer car insurance with permit. You can search online or talk to an insurance agent.
2. Get quotes: Contact several insurance companies and ask for quotes. Compare the rates and coverage options to find the best policy for your needs and budget.
3. Provide information: Once you’ve chosen a policy, you’ll need to provide some information about yourself, your car, and your driving history.
4. Pay for the policy: You’ll need to pay for your policy before it becomes active. This can usually be done online, over the phone, or through the mail.

Once your policy is active, you’ll receive proof of insurance that you’ll need to keep in your car. Make sure you know the terms of your policy and what it covers so that you can make a claim if necessary.

FAQ

Do I Need Car Insurance with Permit?

Yes, you need car insurance with permit if you plan to drive. Liability coverage is mandatory in most states, so you’ll need to have at least that type of coverage. Car insurance with permit provides the necessary coverage to protect you financially in case of an accident.

How Much Does Car Insurance with Permit Cost?

The cost of car insurance with permit varies depending on several factors, including your age, location, driving history, and type of car. On average, you can expect to pay around $150 to $200 per month for car insurance with permit.

Can I Drive Any Car with Car Insurance with Permit?

No, you can only drive the car that is covered by your insurance policy. If you drive someone else’s car and get into an accident, you may not be covered by your policy.

Can I Add More Coverage to My Car Insurance with Permit?

Yes, you may be able to add more coverage to your car insurance policy, such as collision or comprehensive coverage. These types of coverage will protect you financially if your car is damaged or stolen.

Can I Cancel My Car Insurance with Permit?

Yes, you can cancel your car insurance with permit at any time. However, you’ll need to find alternative coverage before driving again, as it’s illegal to drive without insurance.

What Happens If I Get into an Accident with Car Insurance with Permit?

If you get into an accident with car insurance with permit, you’ll need to file a claim with your insurance company. Your insurance company will investigate the accident and determine if you’re at fault. If you are at fault, your insurance company will pay for damages and injuries sustained by the other party.

Conclusion

Car insurance with permit is an essential type of insurance for new drivers. It provides liability coverage that is mandatory in most states and protects you financially in case of an accident. When getting car insurance with permit, make sure you research insurance companies, get quotes, and know the terms of your policy. By doing so, you’ll be able to obtain the best policy for your needs and drive with peace of mind.