I am over 25 and just started to learn driving. I know the basics, but need a lot more practice, so I am considering getting an insurance so I can practice with my own vehicle (a typical 4-door sedan). My wife, on the other hand, drives well and has kept a clean record with the Progressive insurance (they already lowered the rate).
What are pros and cons (including hidden catches/gotchas) in case I, an unexperienced driver (with a learner's permit only), decide to share the car insurance with an experience driver (my wife).
Does this makes sense at all or I am better off getting a separate insurance?
For example, would my wife lose "trust" and/or get higher price rates if I cause repeated accidents while on a shared insurance policy?
Also, suppose I have some accidents while driving under Learner's permit with a company X; would I still be considered a "high-risk driver" by company X after I get the driver's licence?
(As far as I know, my driving record will be cleared when I get the licence.)
What are pros and cons (including hidden catches/gotchas) in case I, an unexperienced driver (with a learner's permit only), decide to share the car insurance with an experience driver (my wife).
Does this makes sense at all or I am better off getting a separate insurance?
For example, would my wife lose "trust" and/or get higher price rates if I cause repeated accidents while on a shared insurance policy?
Also, suppose I have some accidents while driving under Learner's permit with a company X; would I still be considered a "high-risk driver" by company X after I get the driver's licence?
(As far as I know, my driving record will be cleared when I get the licence.)