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Thread: Car Insurance Question, under 18

  1. #1
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    Default Car Insurance Question, under 18

    I'm 16 in California and I recently got my driver's license. This is a pretty basic question but basically can I drive my dad's car using his insurance or do I have to have my dad buy another insurance under my name in order for me to drive alone? If he has to get under my name, is that added cost or is it just my name that they put in?


  2. Last edited by AisuKasai; 07-10-2011 at 11:04 AM.

  3. #2
    Senior Member Level 3 Dan Williams's Avatar
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    They can add you as an occasional driver

  4. #3
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    If the vehicle is insured for drivers below 18, then it's covered. FYI, the insurance covers the vehicle, not the driver.

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    Quote Originally Posted by sethm View Post
    If the vehicle is insured for drivers below 18, then it's covered. FYI, the insurance covers the vehicle, not the driver.
    Above statement will get you in trouble.
    So, If I have a family of 6, I can insure all my 6 cars under my name and not include my entire family on insurance policy and they will be covered!?! No and No again.

  6. #5
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    Everyone needs to be included in insurance policy and the insurance policy your dad has may or may not be the best choice after you are being added. You may want to have your dad shop your policy or have us do that for you.
    Slavsky Insurance

  7. #6

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    Yes you can but only if you were designated as one of the drivers.

  8. #7
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    Quote Originally Posted by hannahadora View Post
    im 14 soon going to 15.my mom has nationwide
    car insurance (full cover + the other things) how much more would they charge
    for her too put me on her policy and the monthly payment?or whats a good,
    but cheap car insurance that would fit me?
    Ask the agent!

  9. #8
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    Quote Originally Posted by Slavsky View Post
    Above statement will get you in trouble.
    So, If I have a family of 6, I can insure all my 6 cars under my name and not include my entire family on insurance policy and they will be covered!?! No and No again.
    Slavsky you are absolutely correct and Sethm doesn't know what he is talking about.

  10. #9

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    Quote Originally Posted by AisuKasai View Post
    I'm 16 in California and I recently got my driver's license. This is a pretty basic question but basically can I drive my dad's car using his insurance or do I have to have my dad buy another insurance under my name in order for me to drive alone? If he has to get under my name, is that added cost or is it just my name that they put in?
    You can have your dad add you to the policy.

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