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When should a teen be included in car insurance quotes?
For a useful estimate, does the insurer need to know whether the teen has a permit or full license, and when they’re likely to start driving? I’m also unsure how to compare quotes before it’s clear which household car they’ll use.
If a teen might drive more than one car, should each insurer quote them as a household driver across the vehicles, rather than assume they’ll mainly use one? Which details need to match across quotes, such as the household drivers, cars, coverage limits, deductibles, and expected use?
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1 reply
For a useful comparison, give each insurer the same snapshot: whether the teen currently has a permit or full license, and the expected date they’ll start driving regularly. Those details can affect eligibility and when the teen is rated on the policy. If the date or status is still uncertain, ask for quotes using the same stated assumption, and have each insurer explain how the price would change under the other likely scenario.