As far as I know, all drivers that live in your home must be listed on your insurance policy. Although i don't think you have to list someone with a permit. If the older sibling is at least 18, they may take the younger sibling for a lesson without have them listed on their insurance.
Answer If you don't have your own car and you are going to be driving their car, yes they have to add you to their car insurance or you won't be covered..
Yes you can, call your agent to add him.
Usually it is best to add them as a driver when they get the license. Until then you can notify your insurance company that they are a resident of the house.
You must either have a driver's license or be insured under a licensed driver's insurance. If you are a minor, your parents can add you to their car insurance.
Yes, the premium will increase as you must be included as a driver in their policy. I disagree. It depends on the insurance company. Mine told me my rates will not go up when my son gets his permit, but they do want to be notified. Rates will go up when he becomes licensed.
No, the insurance is ONLY for the car. If youdon't own a car you don't have to pay for insurance - UNLESS - your folks have to pay extra to add you to their insurance coverage. Then THEY may make want you to pay for the difference in their rates.
Yes, unless you are listed as an excluded driver. To be sure in the future have your parents add you to their policy. Provided you are 18 or younger, most companies will not charge you to be on your parents policy with just a permit.
It will cost nothing, until he/she get the actual license
You will have to have insurance on the vehicle to drive in Texas any way you go about it. Texas is a state that has mandatory insurance coverage. The owner of the vehicle needs to add you as a driver and give them your license information. Most insurance companies do not charge anyone additional premium for a person with a learners permit. I assume your laws are that you can only drive with a licensed driver in the vehicle whenever you drive.
Not necessary- you only add/exclude drivers
Your dad should add you to his policy, if you crash during training, someones insurance would need to be responsible, and if you are not on a policy, no insurance company will pay the claim.
Only if he as a multiple driver policy. If not, then no, you would not be covered in the event of an accident. He could add you to his policy- just call the insurance company with the details. Not unless she is listed as atleast an occasional operator on his insurance policy.