Insurance companies typically require that they are informed of the status of all household members. This means if a son or daughter has obtained a license or permit the parents should notify their insurance company and find out if the person will need to be added to the policy.

Some insurance companies will want to add a driver with a permit to the policy while other providers' guidelines allow them to wait until the person is fully licensed to add them to the policy. Your parents will need to speak with their insurance agent to find out what their current insurance provider requires of them concerning your brother.

According to the Illinois Division of Insurance, IL law requires you to have insurance before you drive. For teens and children living with their parents the IL DOI suggests being added to their parent's policy since this usually is the cheapest and easiest way to get insurance.

If you, your mother or brother need to get an affordable auto insurance quote, click here.