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 Posted: Tue May 13, 2008 1:57 am Post subject: teenager non-owner insurance |
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Can you apply for non owner auto insurance if you are 18 years of age trying to obtain a drivers license? The vehicle that will be used will be one of the parent or sibling car not my own.
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Pat
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| Posted: Tue May 13, 2008 5:22 am Post subject: |
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| Quote: | | Can you apply for non owner auto insurance if you are 18 years of age trying to obtain a drivers license? |
I think if you're 18 or above, then you're an adult & hence all rules that are applicable to other adult drivers would be applicable to you as well.
Why would you be an exception?
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Plasmahectic
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| Posted: Tue May 13, 2008 5:24 am Post subject: |
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hey..
When I got my license the insurance was something to come naturally with it!
I believe its your choice whether you'd like to go for the non-owners insurance or not!
Packard-bell
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Packard-bell
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| Posted: Tue May 13, 2008 5:43 am Post subject: |
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hi Packard-bell,
| Quote: | | I believe its your choice whether you'd like to go for the non-owners insurance or not! |
Only that the owner probably has to name you within his policy as a driver.
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berhman08
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| Posted: Tue May 13, 2008 10:57 am Post subject: insurance |
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| BERHMAN...............I agree with your opionion. My son is 15. I talked to my Insurance Co. about 'adding' my son on my policy. I can 'add' him as a driver, but, I would 'add' him as a Owner because he doesn't own the car. |
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sdchargersfan
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| Posted: Wed May 14, 2008 7:54 pm Post subject: |
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Hi Packard-bell, I'm curious about this statement:
| Quote: | | When I got my license the insurance was something to come naturally with it! |
Could you clarify what you mean by this?
Are you saying that you got insurance automatically when you got your license?
And Pat,
Do you live with the parent(s)/ sibling(s) who's vehicles you will be operating?
If so, it's probably going to be considerably less expensive for you to be added as a driver on the family (household) policy than to buy a non-owner policy for yourself. Unless there is some reason they don't want you on their policy.
However, if you live on your own this wouldn't be an option, but if you don't own any vehicles and don't have any direct access to a vehicle in the same household the only good a non-owner policy would do you is if you were borrowing cars that don't have insurance on them (or if they have lower liability limits than your nonowner coverage). Or if you rent cars on a regular basis.
You should ask the agent that provides the insurance on the vehicles about this, any decent agent will help you find the most cost effective way to be covered correctly. |
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Fishman
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