Before your teen gets a driver’s license in Cincinnati, OH, you should be aware of how this life change will affect your insurance rate. Advantage Insurance Network can help you get insurance if you are in need of it for yourself or for your teen.
Teens in Ohio are able to get a temporary permit, or a learner’s permit, at the age of 15 1/2. This allows teen drivers to learn to drive while under the direct supervision of a parent or other trusted adult. Teens will need to pass a written driver’s licensing test and a vision screening. Drivers can go to deputy registrar licensing agencies to complete the final steps of getting a drivers license. Teens must provide proof of legal name, birth date, Social Security number, citizenship, and Ohio residency. Additionally, parents have to be present with legal ID to co-sign for the temporary permit. When a teen gets a temporary permit, it is the responsibility of the parent, guardian, or owner of the vehicle that the teen is operating to have insurance coverage. Teens do not have to have their own coverage until they have a regular driver’s license.
Probationary Driver’s License
Before teens can receive a probationary license, they must take a driver’s instruction course and log 50 hours of driving practice under the supervision of an adult. Ten of those hours must be night driving. They must also hold a temporary permit for at least six months and be at least 16 years old. Teens must also take the road test, demonstrating their abilities behind the wheel of a car. After passing the test, teens will still have to follow certain restrictions until they are 18 years old.
Once a teen is granted a probationary driver’s license, he must then be added to the parent’s insurance as a driver or get his own insurance policy. Generally, insurance rates will go up with a younger driver on the policy.
If you have a teen driver in Cincinnati, OH, the helpful people at Advantage Insurance Network can help you figure out the best way to insure your teen driver.