Is it possible for me to get my own car insurance policy in  Minnesota? I am a 18 year old beginner driver, and I finally got my own car…..yahoo!!

Richard

Minnetonka, MN

You should be able to get your own car insurance policy at age of 20 if you are a fully licensed driver. Your vehicle insurance rates will probably be expensive as a young driver. However you would be able to place auto insurance on your car if you are fully licensed.

If you do not have your own car, then you may obtain a non-owners vehicle insurance policy. Basically this is a liability coverages that could be used when renting a vehicle.

If you are still residing at home with your parents normally it will be cheaper to stay on their auto insurance coverage until you move out. Some parents though would want their children to have their own car insurance policy once the child has bought a vehicle which they do not want to place on their car insurance policy.

At the age 20, as an adult, you can have your own auto insurance policy. Normally you would have to have a parent or legal guardian sign on your insurance document if you are under eighteen years old since teens cannot enter into contracts.

I am only 14 years old and I would like to know if I can have a relative teach me how to drive in Canton, Ohio?

Ethan

Canton, OH

No, you cannot begin driving at the age of 14 in Canton Ohio. According to the Ohio law that the minimum age to begin driving legally is when you are fifteen years and six months year of age. In Ohio you can get a temporary permit if you are at least 15 years and 6 months of age so at the age of 14 you would be too young to get your temporary permit and be able to operate a car legally with a supervising adult driver.

So while you may want to begin to learn to operate a vehicle at the early age of fourteen doing so could get yourself and the owner of the vehicle you are driving cited by law enforcement officer and severe penalties. When you are old enough to operate a vehicle and have your permit or license then your parents will need to notify their insurance provider to be certain that you are properly covered by their car insurance policy

I have two teenage daughters that are going to be 16 in a few months. They will be obtaining their license shortly after that. Will they automatically be insured once they get their license on my insurance policy? They will only be driving with an adult. Do I have to add them on my insurance policy? As long as they drive one of my vehicles are they covered?

Howard

Bridgeport, CT

Insurance guidelines and state laws differ so you will need to inform your insurance company’s agent and discuss the licensing of your teenage daughters and when they will need to be added to the policy.

An insurance company is allowed to consider all resident operators of an insured car in rating of an auto insurance policy. This includes your teens, even if he or she has only a learner’s permit.

Some insurance providers will not require children to be added during the permit stage but will once they obtain their junior, provisional or full license. Other insurance companies have internal guidelines that require you to add your teens as soon as they start the licensing process. If you want to know the state laws regarding auto insurance for teens you can contact your state’s insurance regulator.