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Your teen driver’s car insurance after divorce - Insurify
It takes time for teens to learn how to drive safely. But parents who are going to be adding a teen to their policy often need education themselves. Since Christiancy and her husband, Clair, of Nebraska, have done this before, they know how to prepare for adding a teenager to their car insurance policy. The best time to talk to your insurance provider is before your new driver gets his or her permit. Try to include your teen in the discussion so he or she will realize what kind of impact their actions have on the family budget. For the Christiancy family, bundling home and auto policies with their insurance provider helped save them money.
It depends upon the living situation and who has custody of the child and the guidelines of the parent's insurance companies whether the minor must be listed on each car insurance policy or with just one parent's policy. If the teen lives with one parent and only visits the other occasionally than the custodial parent would of course need to inform their insurance company once the child started the licensing process and add the child to their car insurance policy once when the insurer required it, which may be when the minor has a permit or they may allow the parent to wait until the child has their driver's license. The parent that the child visits should also inform their insurer of the licensed child that lives in a different household to see if they are required to add the child as a driver, occasional driver or not at all. Now when teenagers split time between divorced parents on a regular basis it is a common question of which parent should include the teen on his or her auto insurance policy. Many insurance providers suggest the parent, who has custody of the teen the most, should add the teen driver.