People tell me i can get insurance of my own under18, is this true?
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People tell me i can get insurance of my own under18, is this true?
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i want a vehicle but my father wont let me get one because hes scared that if i wreck than it makes his rates go higher. can i get my own insurance and not be on my parents?
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kmday1130
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You can get your own insurance |
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capinundees
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NO you have to be 18 or older to even own a car. |
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sooners83
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I have always had insurance on my own since I was 16. Just call a local agent or go to www.progressive.com or something like that. The answer is yes!
Expect to pay a lot for it though. I was paying $200 a mo for just Liability! And the above answer that states you have to be 18 to even own a car in not correct. Maybe for this state but not in mine!
I don't know why you all think you have to be 18 to get your own policy? Unless the rules have changed in7 years... I had my policy with state farm, then gieco, the progressive. None of them requested a co-signer or anything like that. As long as I gave them my checking account number so they could get there money every month they were happy! |
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kevinkolsto
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no must be 18 or dad must co sign |
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nathanped
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Correct, had my own policy since I was 16 years old. |
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oklatom
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Unless you have been declared an "emancipated minor" by the court system and don't live at home, no. If you have a driver's license, you should already be on your parent's auto insurance because you might drive their vehicle. You can't enter into a contract to even buy your own vehicle until you are over 18 without parental permission.
So, no, the people telling you that you can are giving you wrong information. |
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mike2006
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if your parent buy insurance for you and yeah you want to buy insurance you must be 18 |
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Chris
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It depends on the laws of the state where you live, and the insurance company. If both sell policies to owners of vehicle 18 and under, then you can get your own, but it will probably cost you more than just being a listed driver on your dad's policy. |
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mbrcatz
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Yes, it's true. You can. But it's MUCH cheaper to go under your father's policy. It will probably cost 4X as much on your own policy.
AND, if you're under 18, and living at home, someone you hit can STILL sue your father for any damages you cause. |
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