It is important to note that in Indiana, all
licensed drivers under age 21 have a Probationary Driver’s License. This
license comes with a variety of restrictions including:
No use of telecommunication devices while
driving except to call 911.
No driving between 10 pm and 5 am for 180 days
after getting the license. After your teen has driven for 180 days, and until he
or she becomes 18, he or she may not drive during the following hours:
and Sunday, between 1 am and 5 am
through Thursday, after 11 pm
through Friday, before 5 am
These rules are waived if he or she is
traveling to or from work, a school-sanctioned activity, or a religious event;
or if accompanied in the front seat by someone with valid driving privileges
who is at least 25 years of age or a spouse with valid driving privileges at
least 21 years of age.
No driving with passengers for 180 days after issue
of Probationary License, unless
in the front seat by a licensed instructor,
by an individual with a valid driver’s license who is at least 25 years of
age or a spouse who is at least 21 years of age.
by siblings, step or half siblings or spouse during the hours allowed by law
without another accompanying individual.
For more information about licensing teen
drivers, visit www.in.gov/bmv.
Away at School
Discount/Risk of Removing Child Away at School
What are the
criteria for removing our college-age student from our Auto Policy while they
are away at school?
drivers can be expensive to insure. We field a lot of calls from parents
wondering when they can remove their college-age child from their policy.
Typically, students must be attending college more than 100 miles from home
without a car on campus to qualify. While removing your student can decrease
your rates by as much as $1000, take into account these suggestions when making
student will need to be added back to the policy when home for winter and
vehicles: Your student should not drive a friend’s car while away at school as
the friend’s auto policy may lack adequate coverage for your student and anyone
else if an accident occurs.
when should we remove our young adult children from our policy? The three
important things to consider are: residence, ownership and vehicle usage. Young
adults should get a separate policy when they permanently live outside their
parent’s home. In some cases, their new zip code could yield lower rates. It is
also important that the vehicle be titled in the young adult’s name, ie parents
have no interest in the car. Lastly, parents are no longer driving the young
adult’s car themselves.