Does A Learner’s Permit Affect Car Insurance?

Texas has a lot to offer. There’s a good change of seasons throughout the year, a number of events held to include music, food, wine, and more. Residents enjoy the relatively low cost of housing in comparison to other parts of the country. Many tourists also come into the state from around the world to partake in the many attractions.

Driving can be a task. Depending on where you live, there are many cars and therefore a lot of traffic. Car insurance rates are often calculated by your zip code because the insurance companies look at the population as well as the rate of past accidents to set a precedent.

When you add a learners permit to your policy, it is going to be affected. The permit shows that you have a young driver in your household. They have passed the exam to show they know the rules of the road, but they don’t know all of the dynamics to driving. This means they may change lanes slowly, have problems with backing up or parallel parking, and more.

The insurance company is going to assume a risk for having this driver on your policy. The statistics show that young drivers are one of the most common demographics to be involved in an accident. Even if the child with the learner’s permit never gets into an accident and you have a clean record, it’s still a risk.

This risk is going to translate to a higher cost of insurance in Texas. You can combat this price, however, by taking the time to make some rate comparisons from multiple insurance companies.

Our agents can be called at any time to help you with the search for affordable car insurance with a learner’s permit. We can get quotes so you can do your own comparisons.