WHEN: Your teen is automatically covered under your policy when they have their permit, at no additional cost. However, once they get their full license and start driving, they will need a separate insurance coverage. Be prepared, this can be costly.
WHAT YOU'LL NEED: You'll need to provide your insurance agent with a copy of your teen's driver's license, plus information on the primary vehicle that they will be driving. If your teen is a good student with a grade point average of 3.0 or higher, many insurers will offer discounts if you provide a copy of their grade card.
WHERE: Start with your insurance agent, but make sure to shop around!