Questions and Answers
Your Questions About New Driver Car Insurance Rates
does anyone know the best car insurance to buy from with just the minimum required?
i am so sick of car insurance companies taking advantage of people with these super high prices just because the dumb law says you have to have insurance.
It’s not the “dumb” law that drives the rates up it’s terrible drivers and insurance fraud! Try Progressive, Geico, or Unitrin. They seem to be the lowest at the current moment!
can someone add me to their car insurance policy without me knowing?
my husband, kids and I live in a split house with my in-laws and their car insurance policy was going to add us to their policy without us even knowing. is that illegal. my aunt works for state farm and she’s never heard of it in her 25 yrs of working for them. i own my own car insurance through state farm and i don’t need two.
If you live in the same household (split house?) with your in-laws, then their insurance company wants to be notified of anyone and everyone in that household who has a drivers license. It is required!
Insurance companies want to know about all licensed household members (it does not matter if they are young or old) so they can calculate their potential risks for having you and these drivers covered by your insurance policy. When you purchase liability insurance (which every auto insurance policy has), there is a law that insurance companies to cover all household members who have a drivers license. Most all insurance companies will require that you either add licensed household members to the policy or exclude them. This is because as household members it is assumed they have access to your vehicles and may drive them at any time. These drivers are thus a risk/rating factor to be taken into consideration.
Many state laws require it, and your policy contract has in it terms that say you must inform them of licensed drivers dwelling in your household, so that they can add him as a driver to your policy and rate accordingly or exclude him. Excluding anyone from your car insurance would mean that you are not paying extra on your policy to have him/her as a driver and thus they are not extended any coverage by your insurance policy if they were to drive your car and be in an accident, even if it were an emergency situation.
So most insurance companies will require you to place the non-relative household member on your insurance policy as a driver if he is licensed. All licensed household members are normally required to be listed as a driver or excluded on an auto insurance policy by the insurance provider.
If you have a licensed household member, whether a relative, roommate, etc, the insurer believes that the person will have access to your vehicle and thus is a rating factor that should be on your insurance policy. If the person really is not going to drive the insured vehicle then there should not be an issue with excluding them. Without you signing off on the exclusion the insurance company cannot really believe that a licensed household member may not drive your car.
State laws differ however. Typically, insurance companies are allowed to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to the operation of the vehicle by anyone in your household.
The perceived risk for non-household members by an insurance company is different and that is why you can normally let a friend that does not live with you borrow your vehicle without adding him or her to your policy.
A friend may occasionally borrow your car and be covered by your insurance because they do not have regular access to your car and thus are not rated as a risk factor on your policy. If you do have someone outside of the household that regularly drives your car then normally an insurance carrier usually would also want this person listed an occasional driver so they would be properly covered in an accident.
where do you get your driving permit?
Where do you apply for it?
You can get your permit at 16 in New York, right? Even though the govt. moved the driving age to 17.
Additional question: If your mom drives a car and you just want to share the car with her, around how much more would it be to add an additional driver to the car insurance? The additional driver is 17 years old.
Also, I am new to this driving thing, so can anyone tell me how the permit thing goes and where to go to get a driver liscense.
As far as the gov’t is concerned, you can get your driving permit at the age of 16.
To add an additional 17 yr old to the insurance your mum pays, be prepared…. It will cost approx 2.5 times as much as the normal insurance rate (nobody wants teenagers to drive, they are considered too reckless and don’t understand what death is yet…).
Basically, you go to your local DMV, and take a written test. Provided you score at least 85% right, they issue you your first driving permit. This will allow you to drive under the following conditions:
1) A fully licensed driver is sitting in the passengers seat, of at least 25 years of age.
2) The vehicle has no more than the amount of passengers it is rated for.
3) All passengers have seatbelts on.
4) You are allowed to drive during daylight hours only (up until 10 p.m. In most states).
5) Drive on city streets only, no highways, no thoroughfares.
6) Drive only in the state the permit was issued for.
7) No consumption of alcohol or illegal substances (at all!) before or during driving. No using the vehicle to commit a crime.
9) No racing, stunt driving or using the car for any other purpose than driving to & from in city destinations.
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