When The Rubber Hits The Road: Age Specific Milestones And Your Auto Insurance Policy

Blow Out The Candles

Most of us can remember when we first got behind the wheel of a car. Depending upon your enthusiasm and zest for driving, you may have been more hesitant. It’s great to know that Texas leans on the side of caution when it comes to putting brand new licensed drivers on the road.

Here Is The Rule That Matters In Texas

In Texas, we like everything big. At StraightEdge Insurance Agency in Georgetown, TX, we give you all of your automobile insurance information straight – no chaser. Individuals under the age of 18 must have a valid learner’s license or minor restricted DMV license for six months prior to obtaining a provisional class A, B, or C drivers license. 

 A provisional drivers license means that for the first 12 months of driving you must be accompanied by a licensed parent or other licensed individuals who are over the age of 25 if you have passengers under the age of 20 for one year. For youngsters, it is a restriction that may seem rather cumbersome. It appears that Texas made these particular rules because it wanted to ensure that all of the residents stay as safe as possible. Practice makes perfect. These rules in Texas allow for better supervised and regulated driving before one is trusted on the open road alone.

Whoa There Nelly

Individuals who do not want to wait for their 18th birthday can start drivers education as early as 14 years of age. However, you cannot be issued a learners permit until you are 15 years of age. For more information about automobile insurance, please call or come by our office. Contact our agents at StraightEdge Insurance Agency in Georgetown, TX .

 

 

 

Getting another driver on your auto policy

If someone is going to be driving your car regularly, such as if you let your teenager drive it, if you share the car with a friend, or if both you and your wife drive it regularly, then you will want to make sure that you are both covered on your insurance policy. When you call StraightEdge Insurance Agency, you’ll find that it’s not difficult at all to get another driver added to your policy so that you and the other driver can safely navigate the streets of Austin, TX.

To answer a few fundamental questions: Yes, this will cause your rates to go up. However, it’s generally going to be cheaper than buying a whole new policy on a whole new car. Yes, their record will affect the rates. A safe driver is a safe driver, and a dangerous driver is a dangerous driver, whether or not they’re the primary driver of the vehicle. And yes, you can add non-family members to your policy. It’s not really any more difficult than calling StraightEdge Insurance Agency to have a family member added to the policy.

Finally, you may be wondering if it’s worth the effort and cost to have another driver added to your policy, and that comes down to how regularly you’re lending your car out. If you let your cousin drive the car maybe twice a year, then having them covered on your policy might not be necessary, as they will be covered under "permissive use." If everyone in your Austin, TX home drives the car on a semi-regular basis, then having the whole family added to the policy is not a bad idea.

Contact our offices to speak with an agent and have your questions answered. We can work with you to get you the policy you need.