What are my options for car insurance?
Sunday, October 25th, 2009 at
1:49 pm
asked: I am 21 and recently got my license in CA. I don’t know anything about car insurance. Can I somehow be added to my parents’ insurance? About how much would it cost (ranges)? I won’t be driving right away but if I did, it would be with my mom’s car which is already insured. How would that work? We would both be using it. Any info would be helpful. Thank you in advance!
Filed under: Car Insurance
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Unfortunately, in the U.S., insurance companies insure the DRIVER, not really the vehicle. At 21, you are a high risk to insurance companies, so your premiums will be higher…although males at age 21 are higher still.
If you are using your mom’s car, she’ll probably have to add you to her policy and it won’t be cheap. I would highly recommend paying for the extra cost of the higher premiums and start looking for a car of your own. Once you know what kind of vehicle you’ll be driving, you can get some quotes online. Ask your parents for help – they’ll be proud of you for taking the initiative.
just adding your name to your moms policy is a good idea
Your mother can add you on to her insurance as a second driver on her car. Since you are under 21 and have just received your license I don’t know how much that will cost you. It will all depend upon your age, driving record, and if you took a driver’s ed course or not. It probably also differs by insurance company.
I’m 25, got my license when I was 20, and have a squeeky clean driving record. I blew my engine up in my car. My mother added me onto her insurance as a 2nd drive the other day so that I can drive her car and it cost $8 extra. She has Progressive.
Good luck!!
I go threw Phoenix direct I’M a 25 yo male and i only pay $35.00 a month on my 84 camaro and $68.00 a month on my 03 rodeo with full coverage $103.00 isn’t bad