Provisional Car Insurance: Tips for Dependent Drivers

Provisional car insurance was designed with dependents in mind. It is for those learning to drive or those who have just obtained their drivers license. Provisional insurance is only available in the United Kingdom. Its purpose is to cover the vehicle in which you are using while learning how to drive or any vehicle you drive as a newly licensed driver. Although provisional car insurance is only available in the U.K, you still have to be insured as a learning driver in the U.S. Here are some tips to help you get started.

• The easiest and best way to be insured as new or learner driver is by being on the same policy as your parents. In most cases, a parent just simply adds you to their policy. If this isn’t an option for you, you still must find car insurance. If you happen to live with an insured roommate, you may be able to be added to their policy should your roommate and their insurance agency allow.

• As a new or learning driver, you must be insured. There is no other option. As an individual if you are responsible for finding your own insurance while learning how to drive, you must know that it will be rather grueling. Many insurance companies consider you to be a high risk driver and therefore may not be willing to insure you as an unlicensed driver with a temporary permit.

• Some agencies in the U.S. have learners permit insurance. Just like the U.K. has provisional car insurance, learners permit insurance covers the vehicle in which a new or learning driver uses. This type of insurance is very hard to find and is usually available through smaller insurance agencies.

• Insurance for dependent drivers tends to be pricier than that of an independent driver who has experience driving. Although it will cost much less if you are on your parents policy rather than if you had found insurance on your own.

• Whether you had found your own policy or are on your parents’ insurance policy, you may qualify for certain discounts offered depending on the agency. There are good student discounts and multiple car discounts available. Make sure to take advantage of any discount you may qualify for.

• There are usually very strict requirements for those driving with a temporary license or drivers permit. These strict requirements are usually for those who obtained insurance on their own.

So even though provisional car insurance isn’t available in the U.S, there are ways to be insured in the U.S. It may not be as easy as it is for provisional drivers in the U.K, but it is necessary. It is much easier to be added on another person’s policy rather than finding your own, seeing as most agencies will consider you to be a high risk driver. When looking for insurance on your own, don’t let yourself get stressed out. Learning how to drive is a pivotal moment in your life and once you earn that permanent license, it will all be worth it.

Different Types of Car Insurance

Car insurance is a broad category that covers many different aspects of the whole driving experience. It covers everything from the actual vehicle, its equipment, and any of the people who drive it. There are many different types of car insurance offered to drivers and the owners of vehicles. Depending on the agency you choose, the type of coverage you want, and the state you live in, will all help determine the types of car insurance you buy. Here are several different types of car insurance that most people choose to purchase.


Not only is liability required by most every state, but it is a good coverage for anyone to have. This will protect you from having to pay any out of pocket expenses should you damage someone else’s vehicle or even if harming another person in a car accident. There are different kinds of liability coverage offered, such as bodily injury and property damage. Out of all the different types of car insurance, this one is the most important, seeing as it is most likely required by your state.

Comprehensive Coverage

If your car were to ever be damaged by a fire, storm, animal, or even if it were stolen or vandalized, comprehensive coverage will have it covered. Comprehensive coverage will help you pay any expenses you may have to get your vehicle fixed.

Collision Coverage

Collision coverage covers any damage done to your vehicle should you get in an accident. This is a great coverage to have, especially if you have a newer vehicle. The smaller the deductible you choose to have, the less you will have to pay out of your pocket should you be in a car accident. Collision coverage is often combined with comprehensive coverage as a package deal.

Uninsured and Underinsured Motorist Coverage

Both of these cover any expenses you may come across should you get in an accident by fault of another driver. Underinsured motorist coverage will cover the rest of the expenses should the other driver not have enough liability coverage to pay all the expenses. Uninsured motorist coverage will cover the expenses should the other driver be irresponsible enough to not have any liability insurance coverage.

Bodily Injury and Personal Injury Coverage

Bodily injury coverage covers any expenses you may have should another person be hurt in an accident you were in. Personal injury coverage covers any funeral and medical expenses or any lost wages in result of a car accident. It doesn’t matter who was at fault, personal injury coverage will pay up to 80% of the expense.

These are some of the most recommended and common types of car insurance. However, they are not the only coverage’s offered. There is gap insurance, physical damage coverage, towing and rental reimbursement, medical coverage, and several more types of car insurance made available to drivers. With a little research and inquiring, you should be able to find the right insurance coverage’s for you and your vehicle.

What You Should Know about Family Car Insurance

Finding family car insurance is just as easy as finding car insurance for an individual driver. It may be a bit longer of a process when receiving quotes from different agencies but, it isn’t any more difficult. Here is what you should know when looking for the right car insurance for your family.

• Family car insurance isn’t any different than finding coverage for an individual car or driver. You can choose from the same insurance coverage’s and from the same agencies.
• Obviously adding multiple people and cars on an insurance policy will be more expensive than a policy for a single person and single vehicle.

• There are bundling and package deals that you can get when searching for family car insurance. You can bundle your family car insurance with other insurances you may need, whether it be for your home or for other family needs. Many agencies offer various packaged deals that combine several different coverage options. Some of these packaged deals may be specially designed for family car insurance options, depending on the agency. Whether you choose a packaged deal or chose to bundle different insurances, it will most likely save you money.

• Having one car insurance policy that covers your whole family will cost less than if every person in your family paid for their own insurance coverage. If the cost of the insurance rate is divided amongst everyone under the policy, it will save everyone money.

• Even though there are multiple people under one policy, you can still apply for discounts offered. If there is a student on the car insurance policy, you may be applicable for the good student discount. If there is a senior on the policy, you may receive a senior citizen discount. There are many different discounts available and with multiple people on the same policy, the better the chances are that there are several discounts available for your family to take advantage of. Some insurance agencies even offer discounts for having multiple vehicles on one policy.

• One of the downfalls to sharing a policy with multiple people may come if someone under the policy were to get into an accident. If one person gets in an accident or had damage done to their vehicle, it will affect the cost of your car insurance for anyone under that family’s policy.

Family car insurance isn’t hard to find. It also has some rather large benefits, such as saving money if the cost is divided amongst the members of your family, being applicable for more discounts, and having everyone under one policy with one agency, making it easier for everyone. The one major downfall to having one insurance policy with multiple family members on it is if someone were to get in an accident or have any harm done to their vehicle in which the insurance would have to cover. This would make the rate of the insurance go up for everyone else under the policy. Overall, family car insurance is usually a good choice for many families. You will just have to assess if it is the right choice for yours.

5 Common Car Insurance Questions & Answers

Many car owners dread the day they have to purchase car insurance or renew their policies. There are so many things to consider and look for, it is overwhelming for even the most prepared policy buyer. There are car insurance questions that every car owner should ask before renewing or purchasing a new car insurance policy.

Who needs car insurance?

Everyone that owns a car, needs to purchase some sort of car insurance. Most states have state minimums that provide protection.

Where do I find car insurance?

There are many car insurance companies. Starting an online search is often the easiest because after completing one online application, multiple companies can provide a quote. For those that prefer to ask their car insurance questions in person, the local yellow pages are filled with independent agents and huge national chains.

What is the difference between companies?

Many car insurance companies offer different programs to their customers. There are some insurance companies that are very customer focused and others are more driven by their bottom line. There are benefits that every car insurance company, it can be overwhelming to just pick one. It is always best to look into a company that is familiar and work from their.

Why do their prices vary?

Every car insurance company looks at risk a different way. Some companies may see a 23 year old as a high risk driver and others may see them as less of a risk driver. There are many things that go into calculating the price for car insurance. Companies look at age, sex, residential location, driving and credit record. For different companies, those things have different levels of importance so the pricing will never be the same as another company.

What types of car insurance are there?

There are several types of car insurance.

  • Liability insurance only covers damages to another person’s property if the policyholder is at fault. Liability usually covers medical payments too.
  • Collision insurance covers repairs for the policyholder’s car in the event of an accident.
  • Comprehensive insurance is expensive because it covers almost all types of accidents. Theft, animal collision and weather damage are some of the things comprehension covers.
  • Uninsured motorist protection pays for damages when the person at fault doesn’t have any insurance.
  • Medical/personal injury coverage pays for medical bills for the policyholder and their passengers.
  • No fault insurance is extremely expensive and only available in 12 states. This policy will pay for damages no matter who is at fault.
  • Gap insurance is insurance that will pay the car off to the finance company in the event of an accident.

How do I get the best price?

Know what type of insurance is needed and decide on a budget. Although all types of insurance are available, if the price is more than a policyholder is willing to pay, its not worth looking at. Once that is decided, start requesting quotes and asking for discounts.

With all the different types of car insurance, there will always be policyholders with questions. No matter what company is chosen, policy holders should never calling their agents and asking their car insurance questions.