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Post by twoboyzmom on Jun 12, 2017 13:31:46 GMT
Do you have to have them covered with auto insurance before they can take the test for their license? My son will be 18 Wednesday and never got his permit. He will be taking the test to get his license soon. Thanks!
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Post by peano on Jun 12, 2017 13:33:23 GMT
DS was covered under our insurance while he had his permit. Once he got his license, he had to be insured separately.
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paget
Drama Llama
Posts: 6,752
Jun 25, 2014 21:16:39 GMT
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Post by paget on Jun 12, 2017 13:48:05 GMT
Maybe I'm wrong, but I thought you had to have your permit to take the test. I bet he needs to - how else would he have (legally) practiced? And when he had it, like precious poster mentioned, he will be covered under your insurance.
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Post by littlemama on Jun 12, 2017 13:48:22 GMT
I would imagine this is state and insurance company specific. Our ds was not insured at the time of his road test.
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Post by Patter on Jun 12, 2017 14:18:16 GMT
My daughter got her permit when she was 18 then took the test when she was 22. She was on our insurance for the "permit" period but we were not charged anything until she actually had a real license. Here you have to have a permit before you can take the test; however, they did tell us there was no required "permit time" before she could take the test. They said she could come back the next day for the actual driver's test. Not sure how it works where you are.
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iowgirl
Pearl Clutcher
Posts: 4,135
Jun 25, 2014 22:52:46 GMT
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Post by iowgirl on Jun 12, 2017 15:20:33 GMT
I'm always amazed at how late some kids start to drive. My kids were up at the crack of dawn on their 14th birthday waiting to go to the DMV to get their learners permit. They drove home from it and never stopped driving. Turned them lose on their own when they were 14.5 (well sort of - only to school and back at that age).
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Post by freecharlie on Jun 12, 2017 15:25:27 GMT
It is probably state specific. In colorado you must hold a permit before your license, no matter your age. The difference is that once you are 18, you only have to have the permit for a day before you can take the driving test.
While the person has a permit, they are covered under the parents insurance. Once they get the license, they must be added to the parents insurance or get their own.
I always wonder how someone with no driving experience due to not having practices with a permit passes the driving test.
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Post by psoccer on Jun 12, 2017 15:26:59 GMT
I have USAA, and I was told that the laws of the states vary. I wasn't to add him until he got his license due to our state laws.
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Post by Zee on Jun 12, 2017 15:29:04 GMT
I'm always amazed at how late some kids start to drive. My kids were up at the crack of dawn on their 14th birthday waiting to go to the DMV to get their learners permit. They drove home from it and never stopped driving. Turned them lose on their own when they were 14.5 (well sort of - only to school and back at that age). You can do that in Iowa but lots of states have different laws. Plus the sheer amount of traffic in some areas can make kids that young nervous. When we were in IA, DD waited until she was 15 to get her permit and was driving on her 16th bday. In PA, DS kids can't get their permit until they're 16. DS was almost 17 before he got his, when I finally put my foot down and told him he WAS going to learn how to drive, even if only to school and the store.
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Post by giatocj on Jun 12, 2017 15:32:46 GMT
How did he learn to drive without a permit? Just curious.
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Post by twoboyzmom on Jun 12, 2017 15:36:13 GMT
He did take the drivers ed classroom and driving instructor hours , but never went to get his permit.
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Post by freecharlie on Jun 12, 2017 15:41:04 GMT
He did take the drivers ed classroom and driving instructor hours , but never went to get his permit. in colorado, they won't let you do the driving hours without a permit. How many hours did he have to drive? The kids here have to do 6 with an instructor plus 50 hours. My understanding is that without holding a permit for a year, insurance will be higher, but that may be state or company specific
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Post by Clair on Jun 12, 2017 16:11:48 GMT
He did take the drivers ed classroom and driving instructor hours , but never went to get his permit. I know nothing about the question you asked but I don't feel this is adequate training. You should call your insurance company. I feel that there are so many subtle things about driving that are just learned through practice. He should be driving with you in the car explaining things to him. The best eat thing you can do for a new driver is to spend time on the road with him.
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PaperAngel
Drama Llama
Posts: 7,357
Jun 27, 2014 23:04:06 GMT
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Post by PaperAngel on Jun 12, 2017 16:13:22 GMT
Laws/requirements often vary by state; where do you live?
In NC, proof of insurance is required (https://www.ncdot.gov/dmv/driver/license/#documents).
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Post by bc2ca on Jun 12, 2017 16:22:25 GMT
Do you have to have them covered with auto insurance before they can take the test for their license? My son will be 18 Wednesday and never got his permit. He will be taking the test to get his license soon. Thanks! If I'm reading this right, he isn't planning to/doesn't have to get a permit? He can just do a behind the wheel license test for his license? We let our insurance know when our kids got their permits so they had a record of them in the system as drivers, but their names weren't added to our insurance cards. We weren't charged for them until they got their license. SaveSave
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Post by Patter on Jun 12, 2017 16:29:40 GMT
I'm always amazed at how late some kids start to drive. My kids were up at the crack of dawn on their 14th birthday waiting to go to the DMV to get their learners permit. They drove home from it and never stopped driving. Turned them lose on their own when they were 14.5 (well sort of - only to school and back at that age). My girls were never interested. Plus Austin, TX, traffic was horrific!!!!! I even hated driving there. Two of my girls did get their permits there at 16 but they did not get their licenses until moving to NC at 18. One still hates to drive at 22 even though she has been driving since 16. The one that just got her license has many, many health issues and couldn't. Some kids just don't want to drive or can't.
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Post by littlemama on Jun 12, 2017 16:33:02 GMT
I'm always amazed at how late some kids start to drive. My kids were up at the crack of dawn on their 14th birthday waiting to go to the DMV to get their learners permit. They drove home from it and never stopped driving. Turned them lose on their own when they were 14.5 (well sort of - only to school and back at that age). A lot of it is due to the cost prohibitive nature of driving. Insurance for a 16 year old, with their own car can be as high as $3500 per year in some states - no point in being licensed if you can't afford to be! In addition, in areas where traffic is particularly heavy or frightening, kids are afraid.
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IAmUnoriginal
Pearl Clutcher
Posts: 2,894
Jun 25, 2014 23:27:45 GMT
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Post by IAmUnoriginal on Jun 12, 2017 16:40:07 GMT
I write policies in IL. The company I work for does not require a youthful driver to be added to the policy until they have a valid driver's license number. Coverage is extended to the driver operating the vehicle under a permit due to the licensed driver in the seat next to them who is rated on the policy.
I'd check with your DMV online or over the phone before going in to make sure your DS doesn't need a permit to operate a car for the road test. If you're in IL, cyberdriveillinois.com has a great FAQ's section. I'm sure other states have similar sites.
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Post by bc2ca on Jun 12, 2017 16:44:35 GMT
I'm always amazed at how late some kids start to drive. My kids were up at the crack of dawn on their 14th birthday waiting to go to the DMV to get their learners permit. They drove home from it and never stopped driving. Turned them lose on their own when they were 14.5 (well sort of - only to school and back at that age). My DD was like this, too, although it was 15.5 when she could get her permit and 16 her license. Drove from the second she could and took on half the driving on a road trip from San Diego to Seattle while on her permit. DS wasn't in any rush and took his permit down to the wire, getting his license a week before it expired (mostly because I paid the first time and he would have to pay to get a new permit). SaveSave
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PaperAngel
Drama Llama
Posts: 7,357
Jun 27, 2014 23:04:06 GMT
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Post by PaperAngel on Jun 12, 2017 16:51:22 GMT
I'm always amazed at how late some kids start to drive. My kids were up at the crack of dawn on their 14th birthday waiting to go to the DMV to get their learners permit. They drove home from it and never stopped driving. Turned them lose on their own when they were 14.5 (well sort of - only to school and back at that age). In addition to lack of interest, traffic, & cost, many students simply don't need a license. Public transportation, a stay-at-home-parent, older siblings, no job, spending breaks at a vacation home or traveling, prohibitive rules (eg only juniors with documented after-school jobs & seniors are eligible for school parking permits; high school athletes cannot drive themselves to or from sporting events), etc. make it unappealing/unnecessary.
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iowgirl
Pearl Clutcher
Posts: 4,135
Jun 25, 2014 22:52:46 GMT
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Post by iowgirl on Jun 12, 2017 21:45:29 GMT
In addition to lack of interest, traffic, & cost, many students simply don't need a license. Public transportation, a stay-at-home-parent, older siblings, no job, spending breaks at a vacation home or traveling, prohibitive rules (eg only juniors with documented after-school jobs & seniors are eligible for school parking permits; high school athletes cannot drive themselves to or from sporting events), etc. make it unappealing/unnecessary. It is defiantly a rural area here. There is the option of taking the bus to school, but I swear there is not one single kid above the age of 14 that rides the bus. Most kids are in multiple activities year round. Although they have to take the school bus to any events, they all drive to school so the can drive home after practices, and after the events. There would be no bus rides after practice. Zero public transportation here. My oldest daughter lettered 16 times in high school athletics, 4 academic letters, and 4 fine arts letters.. so you can imaging how many practices and games/events were involved in that. I was happy to not have to wait in the parking lot to pick her up every day. Middle School was bad enough! LOL For most parents it is a huge sigh of relief when they can drive themselves. They can't go off their route to and from school, and they can not drive in multiple times a day either. Since it is a small town/rural area, the cops know them and know what type of driving permit they have. And they can't drive at all after 10:30 until they are 16. It would be hair raising the have them driving in an urban traffic situation when they are new though! YIKES. Snow and ice are bad enough.
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Deleted
Posts: 0
May 18, 2024 22:35:40 GMT
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Post by Deleted on Jun 13, 2017 0:08:11 GMT
Texas here. For insurance we have USAA. DD was covered under our insurance during the learning period. Once she received her provisional license she had to be covered separately. She also had to have a permit before she could enroll in a driver's ed program. Patter - Austin traffic is even MORE horrible! We just let DD drive from Hays County to Barton Creek mall. I was under semi-respiratory distress the whole time, especially when I saw her taking Hwy 290 and IH35 back home.
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Post by freecharlie on Jun 13, 2017 0:18:23 GMT
In addition to lack of interest, traffic, & cost, many students simply don't need a license. Public transportation, a stay-at-home-parent, older siblings, no job, spending breaks at a vacation home or traveling, prohibitive rules (eg only juniors with documented after-school jobs & seniors are eligible for school parking permits; high school athletes cannot drive themselves to or from sporting events), etc. make it unappealing/unnecessary. It is defiantly a rural area here. There is the option of taking the bus to school, but I swear there is not one single kid above the age of 14 that rides the bus. Most kids are in multiple activities year round. Although they have to take the school bus to any events, they all drive to school so the can drive home after practices, and after the events. There would be no bus rides after practice. Zero public transportation here. My oldest daughter lettered 16 times in high school athletics, 4 academic letters, and 4 fine arts letters.. so you can imaging how many practices and games/events were involved in that. I was happy to not have to wait in the parking lot to pick her up every day. Middle School was bad enough! LOL For most parents it is a huge sigh of relief when they can drive themselves. They can't go off their route to and from school, and they can not drive in multiple times a day either. Since it is a small town/rural area, the cops know them and know what type of driving permit they have. And they can't drive at all after 10:30 until they are 16. It would be hair raising the have them driving in an urban traffic situation when they are new though! YIKES. Snow and ice are bad enough. this is how it is here as well, though we may be a big bigger than you
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Post by ihaveonly1l on Jun 13, 2017 0:21:18 GMT
In Minnesota while they have their permit it doesn't change your insurance. After they test and get a license, they are added to the policy and a new rate is established.
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Post by walkerdill on Jun 13, 2017 0:30:10 GMT
My dd got her permit at 15 here in Florida. I called my insurance & my rates would go up $150 mo if I let her drive even with a permit. So she has not driven yet. I made a deal with her if she got a job & paid the difference she could drive but she wanted no part of that.
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Jili
Pearl Clutcher
SLPea
Posts: 4,363
Jun 26, 2014 1:26:48 GMT
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Post by Jili on Jun 13, 2017 1:08:22 GMT
My 17-year old dd just got her license about 3 weeks ago. She had her permit and had completed driver's ed just shy of 2 years before taking the test. She just wasn't terribly interested, and another issue was getting enough practice. She would only practice with dh (not me) and up until recently had been in a job where he was at work until late at night most nights. It was difficult for him to prioritize, and her lack of interest didn't help.
We pushed a bit at the end, though, because her permit was about to expire-- they're 'good' for 2 years here in IL. Now that she's got her license, she's taken my car a couple of times and she's glad she finally did it.
Dh called the insurance company the day she passed the test, which is how it works here, as another IL poster has already stated.
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Post by Patter on Jun 13, 2017 10:25:57 GMT
Texas here. For insurance we have USAA. DD was covered under our insurance during the learning period. Once she received her provisional license she had to be covered separately. She also had to have a permit before she could enroll in a driver's ed program. Patter - Austin traffic is even MORE horrible! We just let DD drive from Hays County to Barton Creek mall. I was under semi-respiratory distress the whole time, especially when I saw her taking Hwy 290 and IH35 back home. It was horrific when I left 5 years ago. Hubby could get to work in 15 minutes but sometimes took an hour coming home. I hate I-35 and I-85 in the upstate of SC just as much. I know exactly wheat distress mode you were in. We used to let our two that had permits drive to church Sunday mornings because that was the safest and quietest time. We have USAA also, and DD was creamed in Clemson, SC, where her car was totalled. She was turning left on a green arrow, and the guy coming the other direction didn't see his red light and creamed her. USAA was awesome about the whole thing and gave us a lot more for her car than we thought we would get.
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iowgirl
Pearl Clutcher
Posts: 4,135
Jun 25, 2014 22:52:46 GMT
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Post by iowgirl on Jun 13, 2017 11:17:26 GMT
this is how it is here as well, though we may be a big bigger than you 37 in her graduating senior class. 90% of those had been in the same class together since Kindergarten.
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Post by melanell on Jun 13, 2017 12:19:51 GMT
My dd got her permit at 15 here in Florida. I called my insurance & my rates would go up $150 mo if I let her drive even with a permit. So she has not driven yet. I made a deal with her if she got a job & paid the difference she could drive but she wanted no part of that. This is what my parents did as well, so I waited a bit. Save
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Post by maryland on Jun 13, 2017 12:34:46 GMT
I'm always amazed at how late some kids start to drive. My kids were up at the crack of dawn on their 14th birthday waiting to go to the DMV to get their learners permit. They drove home from it and never stopped driving. Turned them lose on their own when they were 14.5 (well sort of - only to school and back at that age). I have to be honest, but that terrifies me! My youngest is 14 and I can't imagine any of my kids or their friends with a license at that age! But that would have saved me a lot of driving them around! I read your post that you are in a rural area. We are in the suburbs and even the adults can't drive well here (they don't seem to know that red light means stop). So I think I worry about driving more because of our local area. My kids were late to start driving (they blame me for that, even though I had nothing to do with it!). In PA, they get a permit at 16 and license at 16.5. But my oldest was 18 and my middle will be 17. It seems that all the girls that they are friends with get their permit the day they turn 16. Some boys are more hesitant to drive, and many wait until 17. I am glad my kids waited because insurance is expensive!
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