Q: I have a learner’s permit. How can I get a quote for teen motor car insurance?

A: Most people who have a learner’s permit get their quote for teen motor car insurance through their parents, since in most states you are only required to have a learner’s permit while you are under the age of 18. Talk with your parents about car insurance, and keep in mind among all of you that car insurance is cheapest if they add you on to their policy, although it will still be expensive.

If you don’t live with your parents, but are married and live with your spouse or just live with a roomate, then you can also get car insurance with them. It’s better to try and get on the insurance policy with whoever is helping you learn to drive as a learner’s permit holder, because that will make things easier for both of you.

If you live all by yourself, you can still get a quote for teen motor car insurance just for you, but it will be harder to find and you’ll probably have to jump through a few car insurance companies first. Not many companies offer insurance to lone learning drivers, but some do, although the prices are high and the rules are tight.