Generally I would recommend having them purchase coverage where the parents purchase coverage. Ideally, the parents have purchased coverage from the same agent, and company for a number of years. This company may not provide the lowest rate, but the company would be less likely to cancel the policy if your child has an at fault accident or ticket or if the company changes their underwriting rules. Being cancelled by an insurance carrier can greatly complicate obtaining subsequent coverage.
If you have an agent, direct or independent, I would recommend that you have your child set up a meeting with the agent to discuss coverage. Ideally, you want the child to present a favorable impression about their maturity and also ask any questions that they might have. It is good if they have some questions (think of it like a job interview). Your child’s loss experience will be part of the agents experience with the company and the agent doesn’t want to have their financial results and bonuses impacted by a someone immature.
The child should understand that how they drive impact the safety of not only passengers and other drivers, but also police officers and other emergency responders. It also impacts the livelihood of agents and employees of the insurance company that provides coverage. It is a big responsibility.
After several drives around the subdivision, the first time I road with my oldest child as they turned into a busy street, I realized my life was in their hands.
Good luck, and God bless, and pray that the police never show up at your home.
In GA they get learners permit at 15. I’ve had her drive my truck a little over 12k miles. She’s even driven all the way through to Orlando, Indianapolis and Savannah. She is a very alert, safe driver. Even her drivers instructors, they have to go through a class and have a minimum of 6 hours behind the wheel, stated it’s apparent she’s had a ton of experience on the road.
We’ve already purchased her vehicle so that’s what she’ll be driving. I’ll be looking at raising the deductibles on the cars to see what that does.
We do have a friend who has a State Farm agency but they’ve always been higher for insurance for whatever reason. We have zero claims on our reports. Knock on wood.
As I was teaching my daughter to drive she pulled onto a highway without stopping. Oncoming traffic at 55!
I was saying, "stop, Stop, STOP! STOP STOP STOP!!!"
She said I was "creating a hostile environment."
Fun times.