For those that have teen drivers, it is difficult to know if you should add them to your policy before or after they get their license. There is no simple answer to the question however, and it should be taken on a case by case basis. Drivers that live in or near Plymouth, MN can talk with agents from Anchor Insurance Agency LLP for more information.
Taking this question in a case by case method is the best approach. For some states, it might be required that you insure your teen driver when they only have permits, in other areas, it might not be required. A good rule of thumb is to consider how much your permit driver will be behind the wheel before getting their license. In some states, graduated licensing laws require that the permit holder logs a specific amount of hours before their being given the license.
In these cases, it might be beneficial to add a permit driver to your policy. Unless your permit driver is going to add hundreds of dollars in premiums each month, it is generally going to be a good idea to add them to your policy. Another factor to keep in mind is that in most cases, you are not going to be able to get your license unless you can prove you are insured so you may want to add your driver before getting their license.
For those that are over 21 and are insured, your permit driver is likely to be covered, even if they are not named if they are driving with you in the car and you are insured. If you are in the Plymouth, MN area, the agents with Anchor Insurance Agency LLP can help.