My teen is starting to drive and I would like to know if there is any way to keep her car insurance rates low here in Michigan.

Jenny

Detroit MI

Auto insurance can be a major part of each family year’s budget. Decreasing insurance premiums can be one of the best ways for families to improve their budget. Families should focus on factors they have control over in order to decrease auto insurance premiums.

Driving record is the most important factor. A teen driver’s short driving history can affect the affordability of car insurance for teens. If a teen’s driving record has tickets or claims, his auto insurance rates can increase drastically. As such, parents should set example to their children that by doing defensive driving actually saves money. The teens look up to their parents even the way they drive and their habits when driving. As such, this affects how a teen will actually drive come future time.

One great activity the family can participate in that can also earn a discount is to take a safe driving course as a family. Most insurance companies offer discounts to drivers that take an approved safe driving course.

As a parent, what can you do to help your teens be more responsible on the road and with their insurance premium?

Michelle

Seattle WA

Teenagers’ having their own license is the manner of screaming their independence on the road. Along with this, parents become more apprehensive whether their young driver will be responsible enough to take care of their premium. A lot of teenagers don’t know and don’t even think about how much their policy premium cost and the all the factors influencing this.

As parents of young drivers, they tend to be more secure if teenagers understand the relevance of safe driving. In line with this, agents of insurance companies encourage teenagers who will be having their first car insurance to be involved in discussing the cost and complexities of car insurance to their parents. Agents will serve as a lead in educating and giving these new drivers a concrete perceptive of traffic tickets, collisions and will also facilitate in rousing teenagers to be further responsible when driving.

When car insurance agents work with parents in educating their young drivers in addition to all the questions they have in mind, a good relationship will be formed. This rapport will provide a positive outlook for teenagers to be more careful to their first time on the road on its own. Teenagers who follow the regulations of the road and gain knowledge on the value of responsible driving will be more expected to drive defensively as well as maintaining their insurance premiums low.

Im only 17 years old and will be purchasing my first car next month or so. Is it possible to get car insurance without my parents?

Grey

Detroit MI

It is unlikely that you will be able to purchase car insurance policy without your parents or a legal guardian to help you sign with the contract.

An auto insurance policy is a legal contract. Many states require policyholders to sign the documents to make them binding and insurers generally have underwriting guidelines restrictions to the named insured should not be under the age of eighteen. Well since you said that you are 17 years old, it is unlikely that you can get your own car insurance policy without your parents with you to sign the contract with you.

Typically, you need list all members of the household that is 14 years old and older, whether they are licensed or not. These household members must be included in the rating otherwise they should be excluded specifically on the policy.

You can purchase an auto insurance policy but, because of your age your parent would need to sign the documents with you.

For the meantime, if you still live with your parents, you can be added to your parents policy until you become 18 years old. If your parents are worried of getting expensive car insurance rate, you can share payment for the premium until you get your own policy. Keep in mind that it is much cheaper to be added to your policy than having a separate policy.

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 am 17 years. old and have no driver’s license or permit yet. I am having hard time finding information concerning car insurance options that would be available to me, so that I can get my license. Can you please give me any suggestion regarding this?

Jim

Detroit, MI

Typically, if you are residing with your parents, they can request their insurance company to add you to their policy once you are permitted or obtain a junior or full license. Insurance carriers differ about if they will require you on the car insurance policy with only a permit or will wait till you are licensed.

If you live on your own, as a inexperienced and young teen driver without a full license or even permit, it can be hard to find car insurance. Probably, you can get an insurance policy but most insurance providers will want you to acquire a full license within 30 to 45 days from the inception of your policy. If you cannot obtain a regular license by that time, then the insurance policy will cancel.

Some insurance companies might require you to list a fully licensed motorist of 21 years of age or older on the policy with you.

Im 19 years old and I need an sr22 insurance certificate. If my parents has full coverage, do I still need it?

Paul

Thank you for asking Paul.

A Sr-22 is a proof that you have a certain type of insurance. It is a certificate that an insurance provider files with the state. This is a a certificate that shows proof to the Department of Motor Vehicles, stating that the individual is meeting the states requirement for auto liability insurance. In addition to that, sr22 certifies that a motorist has the ability to pay future claims up to the state required limit.

It looks like the state in which you are residing is requiring you to acquire a SR-22 due to a traffic offense, accident or failure to show proof of insurance previously. The reasons may vary from state to state

Even with your parent’s having full coverage, which typically means state minimum required liability, if the state requires you to obtain the SR-22 to reinstate your license or for any reason, you will need to do so in order to have driving privileges.

Goodluck!

MariCAR