You know you need to maintain at least the minimum required amount of car insurance in Colorado. What you may not be aware of is exactly who is allowed to drive your vehicle and remain covered. When it comes to other drivers and those with learners permits, you need to know what type of coverage you have.
Liability coverage normally follows the driver. If you allow another licensed driver to operate your vehicle temporarily, the driver should have liability insurance. Collision insurance, or comprehensive insurance, usually follows the car. When you add another regular driver to your car, under any license, your coverage will change.
Many insurance companies provide complementary insurance for those driving with a learners permit. However, even if the insurance is provided at no additional charge, you must notify the company whenever an additional driver is given permission to drive your insured vehicle.
In Colorado, drivers under the age of 18 must hold a learners permit for 12 months before applying for a regular driver’s license. Once the full license is obtained, the driver must be covered under an insurance policy. It is often less expensive for the parent to add a younger driver to their existing policy rather than have a teen purchase their own policy. However, the teen driver must live in the same household.
Insurance policies and requirements vary by the company issuing the insurance. It is extremely important for you to contact your agency to understand the specifics of the policy you hold. Working with independent agents will allow you to see what is available from different providers.
Make sure that you are covered for your driver on a learners permit, and after the driver obtains a full license. Request quotes from AFI Insurance and start comparing them now. Our agents will be happy to help you get the exact coverage for your needs and you can even compare insurance rates online to get started.