teen driver car insurance?

Most insurance companies consider teens as high risk drivers and your parents insurance may increase considerably. However, you have 2-choices: First, Nationwide offers teen auto insurance along with free classes to help you become a better driver and reduce the the stress level your parents will incur each time you ask for the keys. Also, taking the classes will keep the cost of your parents insurance down.

Second, your parents can buy you a used car from an auction and get you teen insurance in your own name. You would still have to take the free classes. Google insurance for teen drivers or nationwide teen insurance.

you could try and shop around but your issue is your age and you wont get it lowered until you are atleast 25, it;s just the way it is. Even if your parents register the car and insure it, the insurance company will want ever license number for drivers in the house. and they will raise your parents rate. 1600 a year sounds reasonable. I have had friends that went up to 2400$ because they didn't do drivers ed. Think about it. Check other companies but it's the price you pay to drive.

you will not be able to get insurance, unless you own the vehicle, the best thing to do, would be to add you as a driver to one or both vehicles, there would be a fee for this, (and if you want to get cheap insurance, in the greedy thieving insurance companies of today, crack those books, if you make the honor role regularly, not only will your parents be proud of your intelligence, your insurance rates get cheaper. I have a tip for you, realize, that at 30 mph you can blink,and things can change directly in front of you just that quick, and someone will slam on the brakes and decide to turn, and you are too close, BANG,ITS OVER AS FAST AS THAT BLINK. No matter what you do, the rest of your life, always make sure you have plenty of room from the car in front of you, and no matter what distractions are in the car, yakking talking radio, whatever, know where the front end of your car will be, in the next 100 feet. you have to focus, at all times, where that front end will be, because, you blink, and you are there. Keep in mind, that at 60 mph, things happen twice as fast as a blink, (WAY WAY WAY FASTER THAN 30MPH) so give yourself, extra room between you and the car in front. If some dipstick, jams in front, back off the gas, better him rearend the car in front because of his stupidity, than fight over distance. YOUR FOCUS ON THIS ONE THING NO MATTER WHAT GIRL HAS HER HAND ON YOUR LEG, WILL SAVE YOU FROM WHANGING THE FRONT OF YOUR CAR. drive safe, drive defensively, and focus always where the front of your car will be, (and sometimes, like at intersections, you have like 28 things a second to process. keep the distance in front safe in relation to your speed. best of luck

Insurance does depend on the car..and where you live, and your age,and how far you drive each day. Cheaper the car cheaper the insurance.

There are several ways that you can consider.Call your local agent or do the online quote yourself.Take which way,it depends on your time and knowledge.

Unless you have been specifically EXCLUDED from their insurance You are most likely already insured to drive their vehicles and don't know it. Read this:

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 there is a LAW that <REQUIRES > insurance companies to cover all household members who have a drivers license, whether or not the insurance company has been notified of the new license holder or not. Most all insurance companies will require that you call and notify them to either allow a licensed household members to be added 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 requires 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.