A: Anybody can be added to your auto insurance policy within reason, and if the person who is getting the learner’s permit is related to you or lives with you, then it may even be necessary. Everybody who has some kind of driving permission must drive an insured car, and regardless of age or learning status, if they are pulled over while uninsured, they will suffer the consequences, which in some cases could include not being able to get their driver’s license when they turn 16. If you have someone with a learner’s permit who is living in your house and you don’t name them on your policy, then if they ever get into a car accident, your company would be able to deny their claim. Your company could also cancel your policy as soon as they found out.

If you want to add a young driver to your car insurance policy but don’t want to pay outrageous rates, you can put them to work on getting discounts. Your new driver should be enrolled in a general driver’s education course, and you can enroll him or her in a defensive driving course as well and be provided with a discount for it.

A: A high priced SR22 quote is frustrating for anybody, but even more so for people who find themselves less likely to be driving. After all, if you hardly ever use your car, why do you have to pay so much for an accident that you have such a small chance of getting into? If you decide that you no longer need your car to drive, then you could save a lot of money by simply canceling your insurance. However, if you do this, then you have to refrain from driving for the entire length of your SR22 probation period, because your driver’s license will be suspended when you cancel your insurance and driving without a license is against the law. Also consider that you would have to pay the fees and fines to restore your license again if you allowed it to be suspended.

What you can do if you want a cheaper quote would be for you to get a low mileage discount for your vehicle. You can do this if you drive less than four thousand miles a year or less than forty miles a day, although some companies may have different qualification guidelines. Using this discount, you can save as much as 15% on your SR22 quote with some companies.