Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Rates

April 23, 2013

Maria asks…

what is the best affordable car insurance for young adults?

I just got a car and wanted to get insurance on my car but dont want to pay a lot of money for it. what do you recommend?

Administrator answers:

The cost of insurance is based mainly on the safety of your car, driving record and more… companies can base your rate on your credit history!! Like, someone with bad credit just has to be a bad driver! You must phone around and find out the best company for the policy you have on your mind.

Steven asks…

Would your name show up on car insurance papers if their were to be two people on the insurance?

My dad is the main person on the car insurance and if he was to put me on it, would my name show on the car insurance papers?

Administrator answers:

The insurance is issued in the name of the registered owner and he is called the “named insured”. All other regular drivers may or may not be listed as drivers but they are not named insureds. The named insured owns the policy. At renewal all principal drivers are listed for the purpose of rating the policy meaning calculating the premium.

William asks…

Is it legal to buy a police car and just drive around your own property?

I want to buy a police car/fire truck and drive it around my property with the lights and Siren on. It’s my own property i don’t know why I wouldn’t be able to.

Administrator answers:

Yes you can buy your own fire truck and drive it around. Check out the Society for the Preservation and Appreciation of Antique Motor Fire Apparatus in America website.


They have all kind of information on buying owning and maintaining fire trucks. Here is a picture of mine that I bought several years ago.


These things can be a lot of fun. As antique vehicles go, you can get them in really good shape. With the economy like it is there are some real bargains around if you take the time to look for them. My opinion is that some of the volunteer departments have some good buys since the trucks for the most part, don’t get the same amount of runs as a paid company and aren’t as worn out. In some place in the South it’s not unusual to see active duty trucks 20 years and older still in service.
You can drive a truck under 26,001 lbs on a regular driver’s license. This would exclude a tanker. Most trucks from the 60′s and earlier fall into this category.
If you tag your fire truck as antique, you can get antique vehicle insurance, there are some restrictions like commercial and daily driver use but you should be able to get it for about $100-$500 a year.
Most states issue antique tag to vehicle 25 years and older, in NC it’s 35. You also get a property tax break doing this in most states.
If you need a fire truck for commercial use, like construction, farming etc. Then consider something built on a commercial chassis like a Ford or GMC with a fire body on it. It’s amazing how fast these trucks loose their value after a few years. You’ll have to pay commercial insurance rates however. Many well financed FDs frequently update trucks after only a few years and sometimes 8-10 year old trucks can be bought for a fraction of their original price while still having years of life left in them.
I keep the lights and siren hooked up on mine and this should not be a problem in most places as long as they are not used on public highways.
Police cars will be a little different and laws on this will vary from state to state. Some states would not allow you to display anything that would designate your car as a police car like decals and or lighting. On private property you should be ok as long as you don’t try to represent yourself as a police officer.

Good luck and hope this helps.

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