Car Insurance with a permit

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PostPosted: Tue Mar 24, 2009 12:44 am   Post subject: Car Insurance with a permit  

I will be turning 21 in a few days and I have just received my learners permit in the state of GA. I took a few hours at a driving school but its really expensive and I don't feel like I have enough practice to take the road test.



My question is that I moved here a few months ago and I have no family located in the state and im unsure of how I can get more driving experience. I have a car available to buy when ever im ready but I was just wondering if its possible to insure a car with a learners permit? If I was to borrow a friends car would I be covered?


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ann1688
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PostPosted: Tue Mar 24, 2009 2:52 am   Post subject: insurance  

I just wanted say 'Hello', ANN. Your situation sounds similiar to mine. I'm 45 now,..however, I din't get my DL until I 22. A friend of mone gave me driving lessons in her car and I WAS covered under her Insurance. I started driving lessons with her when I still had my Drivers Permit. I think it's this way in MOST states. You may wait until one of the Experts, on the forum, answer your question...someone will be along soon.

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PostPosted: Tue Mar 24, 2009 3:10 am   Post subject:   

I grew up in Georgia and received my learner's permit there. Your friend should call their insurance company and make sure that you will be covered while driving with them in their car in the event of an accident. Most insurance companies will not issue insurance in your name unless you have a valid driver's license.



You will probably have a hard time purchasing the vehicle until you have secured a driver's license (because you normally have to provide proof of insurance in Georgia if you are purchasing the car outright, and provide full coverage insurance on the vehicle if you are financing it).



In the meantime, you can call Taggart's Driving School or Nathan's Driving School (both in Georgia and you can look them up) and let them know that you do not need the class, but you would like to schedule some stand-alone road experience.



Good Luck!

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PostPosted: Tue Mar 24, 2009 7:24 am   Post subject:   

Quote:
because you normally have to provide proof of insurance in Georgia if you are purchasing the car outright, and provide full coverage insurance on the vehicle if you are financing it




Okay then, Georgia is one such state which requires the driver to obtain a license before purchasing a car and the insurer would like to see the car you want to insure before writing the policy. Sad

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Patricia Simpson
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PostPosted: Tue Mar 24, 2009 7:35 am   Post subject:   

Ann, to obtain the learners permit you are required to pass the written test and eye test. Therefore, you need to read the book by heart. And since you have mentioned



Quote:
My question is that I moved here a few months ago and I have no family located in the state and im unsure of how I can get more driving experience.




The learners permit form would require your parentÂ’s signature and in their absence the signature of the legal guardian. Also, the legal guardian is required to present the certified copy of his/her legal guardianship before signing the form. May be this is not the piece of information you were looking for but though that it might be useful.
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PostPosted: Tue Mar 24, 2009 8:04 pm   Post subject:   

Thanks for all the reply's. I plan on purchasing the car from my friends grandmother. Do I still need a license to do that? I also did some research and it turns out that Progressive will insure someone with a learners permit. I didn't know that purchasing the car could be an issue too.


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Ann1688
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PostPosted: Tue Mar 24, 2009 8:19 pm   Post subject:   

You could probably purchase the car from your friend but it might be another thing to get it registered and road legal. I know here in Ohio you have to a DL to register a car. Good Luck !

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PostPosted: Tue Apr 21, 2009 6:00 pm   Post subject: Drivers permit and insurance  

If you have a drivers permit...can you drive with a licensed driver under their insurance policy and with their permission? This would be husband and wife and husband is insured and wife not registered on policy with a learners permit.


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lk
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PostPosted: Tue Apr 21, 2009 11:15 pm   Post subject:   

You dont need a license to purchase a car from a private seller, however you will not be able to do anything with the car until you have a license. You yourself will not be able to register or insure the car.

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PostPosted: Wed Apr 22, 2009 11:26 am   Post subject:   

Hi lk, I think the arrangement would do. The husband's insurer would cover the wife when she is driving the car under her husband's supervision. But every company is different. Therefore, you must ask your carrier about their polices regarding covering motorist with learner's permit.



Some companies also don't charge extra for covering drivers with learner's permit but they may impose some restriction upon your being able to use the insured’s vehicle.

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PostPosted: Thu Apr 23, 2009 2:41 pm   Post subject: What I know in Virginia  

In VA, no driver's license is required in order to title a car. Provided a person is buying cash, and therefore doesn't have to deal with any rules set forth by a finance company, such as license and insurance requirements, that person can legally purchase / title that vehicle. In order to register the vehicle, however, insurance is required, or the person must pay an uninsured motorist fee (fine) to DMV. With that said, as in the case of Progressive or any companies you might encounter that write policies for learner's permit holders, you can meet all the legal obligations for being an owner and driver of a fully-titled, registered car. As for Georgia........ I don't know. My source on this is Virginia DMV, and a large local auto dealer group, as I'm in an identical situation as you.


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PostPosted: Sat Jul 11, 2009 4:43 am   Post subject: i need insurance  

i have learner permit and i need vehicle insurance


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PostPosted: Sat Jul 11, 2009 11:56 am   Post subject:   

Quote:
i have learner permit and i need auto insurance
For what car saima ? Do you own a car? Or are you just being allowed to drive someone elses? Or are you talking about a state that requires or offers 'drivers' only insurance?


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Last edited by Lori on Sat Jul 11, 2009 11:01 pm
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PostPosted: Sat Jul 11, 2009 12:34 pm   Post subject:   

Yeah, I also bought my car without a license. I bought the car first and then took out the license. Also I got a insurance for my new car but the agency told me that the I need to submit my license in 30 days or the insurance becomes null n void.

=====================================

By the way are you by any chance a international student or visitor?



Bcoz insurance companies do accept international licences



"Be who you are and say what you feel because those who mind don't matter and those who matter don't mind" - Dr. Seuss

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PostPosted: Wed Jul 15, 2009 11:05 pm   Post subject:   

Chris

Regarding the insurance company inspecting the car before you by... it only happens in situation if its a old/used car.



Generally for new cars, they dont need to inspect.



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