Your son can use your vehicle to take his road test, but after he acquires his license, you will need to add him to your existing auto insurance policy or purchase a separate policy that will provide him with coverage in the event that he is involved in an accident. Obtaining coverage is something to consider before he takes the test so that you can easily transition to having a new driver in the family.
Adjusting Your Policy May Be The Cheapest Route
New drivers are considered a risk to many insurance agents. Even if a young driver is vigilant while on the road, they do not have the experience that a seasoned driver has. Contact your insurance agent to receive a breakdown of the costs associated with adding your son to your existing policy or coverage with a separate policy. If your son will be driving the family car on occasion, it may be more beneficial to expand your coverage, since the amount you will be responsible for paying will likely be much lower than if you were to buy a new policy.
If your son will be purchasing a used car or if you are going to assist him with buying a secondhand car, you can add the vehicle to your policy. Basic liability insurance is a requirement, but choosing full coverage insurance will cover costs associated with a traffic incident that was or was not your son's fault.
Vehicle repairs can cost hundreds or even thousands of dollars, depending upon the severity of the damage that needs to be corrected. Full coverage will prevent you from needing to come up with the money for an unexpected repair and you will only be responsible for paying a deductible and monthly insurance rate.
Instilling A Responsible Driving Plan Is Essential
You may not be ready to hand over your car keys or allow your son to own a vehicle that he drives on a daily basis. Let your child know your expectations, concerning his driving privileges. At first, you can allow your son to drive you to the grocery store or around town to complete other errands. After observing your loved one's driving pattern and getting more accustomed to him being a driver, allow your son to take the car out alone on occasion.
When you trust your son to drive on a daily basis, lay down some ground rules. Suggest that your son gets a job to help pay for his car insurance or gas or request that he adds more chores to his regular schedule, in exchange for you handling the costs associated with driving.