If you are a teenager with a provisional permit living at home with your parents, most insurance companies will require that your parents inform them of your permit or license status. State laws and the insurance company's guidelines will determine if you will need to be added to the policy at this point to be properly covered.

Some insurance companies will not charge extra for a person with a permit, while other providers will. Check with your household's insurance carrier to see if they require you to be added to the policy with your permit or will wait until you are fully licensed.

Being an inexperienced driver can cause rates to be high. Ask your insurance provider about discounts for taking a driver education class or being a good student. If your permit has restrictions, such as having a experienced fully licensed driver with you in the front seat, remember to follow them so that you can move up to the next step and become fully licensed.

Auto Insurance for Young Drivers and Talking to Your Parents About Insurance are articles in our Learning Center you might find helpful as you get insurance for the first time.