Do Permit Drivers Need Car Insurance In Missouri?
Permit drivers may be required to carry car insurance in the state of Missouri before they start driving. If anything happens while a permit driver is behind the wheel, your insurance company may not cover any costs associated with road accidents if they aren’t insured correctly.
With some insurance companies in Missouri, it’s required to add your permit driver onto your policy. We recommend speaking with your agent before you start teaching your child to drive. That way you can add your child to your policy if needed, and you can also get an estimate of what their coverage may cost, so you can prepare your budget.
After-School Jobs for New Drivers
Depending on age, region, and company policy, some new drivers may be allowed to pick up after-school jobs as a driver. Some popular delivery and transportation services include:
- Lyft
- Uber
- DoorDash
- Pizza Delivery
- GrubHub
If you have a new driver who’s going to be using a car to make a little extra money, it’s incredibly important to tell your insurance agent. We can add an endorsement to your policy for extra coverage.
Without an endorsement, not even the smallest bump to someone’s car or mailbox will be covered. Or worse, you might experience dramatically higher rates when your insurance company finds out that the vehicle was being used for work without reporting the usage.
👉 This is true of permit drivers and full-privilege license holders!
Insurance Tip: Increase Bodily Injury Coverage
Helps Cover Liability
Bodily injury liability insurance helps pay for someone else’s emergency services and hospital care if your new Missouri driver causes an accident. It may also help cover the injured’s necessary follow-up doctor visits and other associated costs, like having to buy crutches or rent a wheelchair. It’s important to possibly increase these coverages because your teen driver has a better chance of causing an accident.
That’s why I always recommend bumping up your Bodily Injury Coverage to cover yourself with higher limits if you have a teen driver. No family should ever have to worry about finances or lawsuits during such a frightening time – let your insurance help take care of it so you can focus on what matters most.
👉 BONUS: Ask your agent if you may need an Excess Liability Policy or Umbrella Insurance.
Helps Cover Multiple Passengers
Not only will full-coverage insurance protect your car damages if your teen is at fault for the accident, but your liability insurance will also help cover others who were involved in the incident.
But what if the accident was caused by an uninsured or underinsured driver? That’s where uninsured/underinsured motorist coverage comes in. This coverage helps protect you and your passengers in case you’re involved in an accident with a driver who doesn’t have enough insurance to cover the damages.
How Do You Lower Your Insurance Costs?
1. Customize Your Policy
One of the biggest benefits of working with an independent insurance agent is that we customize every policy.
When you apply for insurance online, you’re usually getting a “cookie cutter” policy and paying for things that you don’t need or understand. Or even worse, not getting coverage for things that you do need.
2. Apply for Teen Discounts
Once your teen successfully passes their driver’s test and becomes a full-privilege Missouri license holder of your policy they may be eligible for some bonus discounts! Ask your insurance agent about good student discounts or distant student discounts (young adults under 22 who go to a school over 100 miles from home)!
3. Bundle Your Other Insurance Policies
I’m sure you’ve heard a thousand advertisements from insurance companies wanting you to “bundle” your policies. That’s because it’s one of the TOP insurance secrets! You can usually save a decent amount of money each year in discounts by purchasing all of your insurance products from the same company!
Chat with The Resource Center | Independent Insurance Agency
At The Resource Center, we’re an independent insurance agency. That means we don’t work for an insurance provider like Progressive, Auto-Owners, or Travelers–we work for YOU! Our agents will shop your rates in the market so we can find the best deal for your budget.
Catch John Schaeffer’s show Dollars & $ense Tuesdays at 3 pm on KOLR’s Ozarks Live. This radio show is a paid placement.
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Insurance products are offered through the insurance business The Resource Center Insurance Services, LLC. The insurance products offered by The Resource Center Insurance Services, LLC are not subject to investment advisory requirements. 2012183-9/23
