can i use my mom’s name for car insurance because car insurance for me is really expensive because i’m young…and she’s in her late 50′s but the thing is, is that she doesn’t have a license to drive….so can i still use her name to buy car insurance?
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June 9, 2010 @ 2:39 am
No, they call that insurance fraud, and it’s a crime. You’re right, car insurance is expensive for young people, that’s just how it is. every driver over 25 has paid the high premiums, now it’s your turn. Stop trying to beat the system and do it right.
June 9, 2010 @ 2:46 am
Sure you can use your mother’s information. As soon as they check and find out that she is not a licensed driver, and you are the primary driver of the vehicle, they will charge you the same rates, or cancel the policy!
If you want to reduce your insurance costs, talk to your agent about what vehicles cost less to insure. Two door cars usually cost more than four door. Larger engines add to the cost also. If you want to save money, you can increase the deductible, or just carry liability insurance (if the car is not financed)
You will have to pay higher rates if your have a poor driving record. You also will be paying higher rates while you are young, because you are less experienced and a higher risk!
June 9, 2010 @ 3:33 am
People are always so quick to throw out ‘OMG, INSURANCE FRAUD’ around here, aren’t they!
Only way you’ll have any luck here is if your mom is the titled owner of the vehicle.. but even then, with most companies, any kudos for her being older won’t be counted since she can’t even be input as a driver on a policy without having a license number. You’re out of luck there, kid!
Best thing for you to do is just shop around like crazy! Someone is willing to offer you a policy that is less expensive then what others are telling you… you’ve just got to -find- them. THEN, once you do have that policy, stick with it for six months. Behave for that six months, too! Make payments on time, don’t cancel, then before your six months is up, call around and ask people for quotes for insurance to start on the last day of your six-month policy period. You’re going to find that the price will drop… SIGNIFICANTLY! Then make sure you switch before the other policy has cancelled, and ba-da-bing.
First six months really sticks, as you’re probably going to get surcharges until you’ve got that six months of continuous insurance under your belt. Keep your nose clean (and your MVR clean as well), and things will get better! You’ve just got to bite the bullet for now, you know?
June 9, 2010 @ 4:14 am
It won’t make a difference. With no licence, she won’t have a discount, you will be the only driver, the rates will be based solely on your age and record. Sorry.
June 9, 2010 @ 4:33 am
please try this
help
June 9, 2010 @ 5:20 am
No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck.