Me, a 17 year old driving - insurance questions?

If you have access to the car you would have to be on your Mom's policy. In fact in some state like NJ when you get a license you go on the policy and the rates jump as well. And nobody expects to get in a wreck or pulled over DUH! So look at it this way. Since you would be driving your family car you would need to be on the policy. If it was you friend's car not so as you would be borrowing it but his policy will prohibit any one under a certain age to drive except him. You do not have a license so no policy would cover you driving alone. You get in a wreck and some one is hurt you folk could lose their house.

He is wrong. It is already insured -- but only for as long as you do NOT drive it. Only the person who buys the car pays for insurance, but the price of insurance is based on the ages of all the drivers -- even the ones that don't buy the car. Someone bought the car, and they will have to pay more for insurance if you drive it.

The price varies, but it's always high for new drivers your age. It could cost more than the car does.

Insurance goes with the car. Since you'll be driving you parents car, it will already be insured But, you haven't even started the process to get a license so you won't be driving anywhere alone anyhow.

I might suggest one to try this site where onel can compare quotes from different companies: http://protectionquotes.net/index.html?src=5YAWds1...

RE :Me, a 17 year old driving - insurance questions?

I need to learn to drive before February because I have ROP classes I want to take. Problem is that the class is a huge time commitment;

4 days a week, 2 hours a day, for 18 weeks. It's about a 30 minute drive for me to get there and I don't really have anybody to take me.

I've talked to my mom about driving myself there and she is of course not really on board with it, she keeps going on about insurance will cost a lot because I'm a teen. And if I get pulled over with no insurance I'll get in trouble. Fine. (btw that <--- is all based on a chance IF I even get pulled over or get in an accident)

But I talked to my cousin (we both live in California and he was 17 when he got it too) about it and I asked him how is he affording the expensive insurance. Then he says something about the insurance is when you buy a car.... WHAT?

I'm not buying a car, I will just use one we already have and its of course already insured. So what gives. I just need to get to school for my ROP classes and I'm a senior now and my parents know I'm incredibly responsible and quite mature for my own good.

Do any of you guys actually know how much the insurance even costs?

Update: Sorry if the question doesn't make sense, I'm of course new to legit adult stuff and I want to learn more about it :p

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