17 Year Old Driver Car Insurance Question

Question: How does one go about obtaining vehicle insurance for a 17 year old driver in Dallas, without paying an arm and a leg?

Comment: I think this is a super question to inquire about your teen driver. At 17 years of age this teenage driver can not legally enter a contract since they are not considered an adult. I would assume that most teenage drivers would be considered “safe” drivers they are still not old enough to sign the insurance contract.

I would also assume that most insurance companies would require a parent and or a legal guardian to sign the contract and to be financially responsible for the vehicle and the driver’s actions.

I would start off your investigation by making a few phone calls the local insurance carriers in your area and get their opinion on this question.

I really do not see why you could not get decent coverage for your teen driver, but a better question might be are you going to be able to afford this type of coverage?

You might also want to contact the Dallas car insurance bureau or DMV to ask them if there are any restrictions for obtaining Dallas auto insurance in your area or specific situation.

California Auto Insurance Question

Reader’s question:

I live in California and My car is registered in California but my sister uses it in Arizona. Should I get an insurance in Arizona if my sister is authorized to drive my car?

Ether

Thank you for asking Ether.

You should insure the car in the state where you registered it. It would be difficult to insure your car in Arizona since your car is registered in California. Almost all insurance companies would not allow to insure the car if the owner living in the one place and the car is residing or garaged in another state. That means they do not allow insuring vehicles from more than one household.

One more thing is that there are different required insurance in different states. In California the mandatory minimum liability insurance is 15/30/5. This means that the personal injury protection is $15000 per one person per accident, $30000 per 2 or more persons per accident and the property damage liability is $5000. The state of Arizona, however, requires 15/30/10. It also required in Arizona for all motor vehicles that will be continuously on their roadways to be covered by the insurance providers that is authorized to do business in the state.

For your car to be insured in Arizona, you will need to register it in Arizona. You may contact the Arizona Department of Motor Vehicles on how to go about insuring your car in that state.

Goodluck!

MariCAR