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When do I need to add my teenaged son/daughter to my auto insurance policy?

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When do I need to add my teenaged son/daughter to my auto insurance policy?

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A. Most insurance companies require you to inform them when a child gets his or her learner’s permit. They usually will not charge any premium for the teenager while they are learning to drive with an accompanying adult. They will however begin charging premium for the youthful driver once he or she can drive without an adult present either on a school permit or when they are fully licensed. It is the duty of the insured to disclose to the insurance company all licensed members of the household.

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