Does Your Teen Need Auto Insurance If They Just Have a Permit?

Before your teenager can obtain their driver’s license, they are required to have a permit. A learners permit has different rules than a drivers license, such as needing a licensed adult in the car with them at all times when they are driving. A permit is designed to give your teen the chance to learn how to drive before they get a license and can drive on their own. One of the questions that we at Schaller & Thomas Family Insurance, serving the greater Peoria, AZ area, are often asked is whether you need to add your teen to your auto insurance policy when they just have a permit. Read on to find out the answer. 

Most auto insurance policies do not require you to add a teen to your auto insurance plan if they only have a permit. Most require it only when your teen is licensed. However, you should never just assume that they do not need to be added. Calling your insurance carrier and asking is the best way to handle this situation. Your insurance carrier can let you know for sure if your teen needs to be added when they have a permit or whether they do not need to be added. 

In most cases, your teen does not need to be added to your auto insurance policy if they only have a permit. But soon enough, they will be getting their license and they will need auto insurance. Now is a great time to think about updating your policy and finding an affordable one for your teen. Here at Schaller & Thomas Family Insurance, serving the greater Peoria, AZ, we can help you find the right auto insurance. Give us a call now to get started. 

What is Mexico Insurance

It is always fun to travel outside of the United States but sometimes things happen while you are abroad that can make your trip less than fun. For those traveling outside of the United States to Mexico, you can purchase Mexican insurance to help keep you safe while you are out and about in Mexico. For those in the Peoria, AZ area, the agents with Schaller & Thomas Family Insurance can help you find your perfect policy.

So what is Mexican insurance? First and foremost it helps to protect the traveler while they are away. Though your typical health insurance might cover some things, it may be difficult to get medical help for instance in Mexico if you are using American insurance. With a Mexican insurance policy you can get the help you need with a bit more ease. This type of insurance may also cover things like theft, collision, vandalism, legal assistance and more.

It acts as an umbrella coverage to help protect you while you are out of the country so that you are going to still be safe and protected without your having to buy a long-term policy or having to buy a policy once you get to the country you are visiting. This is not a coverage that you will need if you are staying for a day or two then coming back. This type of insurance is best for longer stays or for stays where you may be driving or traveling within the country that you are visiting.

For those that live in the Peoria, AZ area and are thinking of taking out a Mexican insurance policy, the agents with Schaller & Thomas Family Insurance can help you find a policy that works for you and that works for your particular travel needs.