Car insurance help? ?

Question

Car insurance for a school permit?

my question involves teen drivers and insurance

i am a 15 year old in iowa, i would like to get a school permit (in iowa, this allows me to drive to and from school over the most direct route without an adult in the vehicle)because of the many extracurriculars I'm involved with.

my dad was wondering though if it would be very expensive to get me on the insurance plan.

here are some factors

-we are with westfield insurrance

-I'm a 15 year old girl

-honor student

-passed drivers ed with an A

-my parents work at the school, so i would catch a ride when i could with them, i would only probably use the school permit for late night or early morning practices (i mention this because i read that if a person only drives "occasionally" it could lower costs slightly? )

-never been in an accident or been pulled over

-i wouldn't be driving a fast car, probably our van or pontiac grand am

any estimates on costs?

my dad said that i wouldn't be able to get on the insurance if it was 100 or more $ a year, so if you could give me some suggestions on how to lower it or any tips at all, i would really appreciate it

Answer 1

call your parents agent and ask him, that's what he's there for...but yes it will cost more than $100 a year to add a teen driver

Answer 2

If you have a drivers license and live in your parents household, your parents insurance rates will be raised even if you never drive their car.  By law, insurance companies must cover anyone in the household with a drivers license so the minute you get a license their rates will go up anyway because of the added risk to them.  The theory is you could drive because you have access to the car and if you did, the insurance company is legally obligated to cover that household driver