The insurance company stipulates, any household member that can drive. It doesn't say how often so yes.
Have your parents contact your insurance agent as soon as you receive your learners permit. Most companies require that you be added to policy as a driver. Most companies don't charge an extra premium for drivers with learners permits but do want them listed.
how do i get car insurance with just my learners permit?
It depends on the insurance companies rules.
no. because as long as the parents has insurance they are fine. And this is only if the parent adds them on their insurance.
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.
If your insurance company allows you to do this, you will also need to have another driver listed on your policy. This is mandatory because the learners permit only allows you to drive under the supervision of a properly licensed driver. They will have to be listed as a driver on the policy as well.
no
It will cost nothing, until he/she get the actual license
Do not know what you mean by 'insurance loan'?
Depending on the state, all states allow properly licensed young drivers with a learners permit to operate a vehicle. This is to assume that the young driver is listed on the policy as he should be as a driver on the policy.
Yes.
yes