There's very little in life that's cooler than getting your driver's license when you're a teen-unless it's finally getting that learner's permit that's going to pave the way to your driver's license! Learning to drive is a big moment, and there's a lot you have to learn in a very short time-including the ins and outs of your auto insurance.
You thought this was going to be another lecture on following the rules of the road? Nah. You'll get plenty of those from your family, and the judge when you get your permanent license (if your state still does that). Not to mention the fact that you probably already had this conversation with somebody when the time came for you to take your written exam for your learner's permit! No, this isn't a quiz on road rules. This is the chance for you to take a look at the backside of driving, the part of your education that your parents are probably going to be taking primary responsibility for-your auto insurance coverage.
The minute you got your learner's permit your parents should have added you on to their auto insurance policy. If they haven't, the time to do that is now. Otherwise you're an uninsured driver, and that's a big no-no in the learner's permit society. Many parents drag their feet on this step, knowing what's in store for their auto insurance rates. It's proven fact that teens are 60% more likely to be in an accident than their parents, which means they're 60% more likely to have to file auto insurance claims. That's bad news in the insurance industry.
The good news is, you can help smooth out the edges by keeping your grades up and being a responsible citizen when you're out on the highway. Most auto insurance companies offer great discounts for honor roll students, and the best way to keep your insurance rates from flying through the roof is to keep your driving record clean-no matter how old you are.
Be aware of the fact that although auto insurance companies will cover you no matter where in the country you happen to be, different states have different rules when it comes to teenaged drivers. Some have higher minimum driving ages, others have a curfew. It's up to you to find out what the rules are and follow them while they're there, or suffer the wrath (and the migraine) that local law enforcement is going to use to convince you of the error of your ways.
Learning to drive is a big moment in your life. It's a symbol of freedom, responsibility, and growing up. Remember to treat it as such, follow the rules laid down by your parents, the law, your auto insurance provider and the DMV and you're going to be just fine.
