Car Insurance Progressive Teen

ok i am 17 and i am looking for car insurance and confused can i get a policy of my own or do i have to be added to my parents policy ? and i went to progressive and they said it be lik 2500 is that pretty cheap or hella expensive ?
and i live in washington if thats any help

Your answer is in the (long) text below. Read it and see how this all works.

Insurance companies want to know about all licensed household members (it does not matter if they are young or old) so they can calculate their potential risks for having you and these drivers covered by your insurance policy. When you purchase liability insurance (which every auto insurance policy has), there is a law that requires insurance companies to cover all household members who have a drivers license. Most all insurance companies will require that you either add licensed household members to the policy or exclude them. This is because as household members it is assumed they have access to your vehicles and may drive them at any time. These drivers are thus a risk/rating factor to be taken into consideration.
Many state laws require it, and your policy contract has in it terms that say you must inform them of licensed drivers dwelling in your household, so that they can add him as a driver to your policy and rate accordingly or exclude him. Excluding anyone from your car insurance would mean that you are not paying extra on your policy to have him/her as a driver and thus they are not extended any coverage by your insurance policy if they were to drive your car and be in an accident, even if it were an emergency situation.
So most insurance companies will require you to place the non-relative household member on your insurance policy as a driver if he is licensed. All licensed household members are normally required to be listed as a driver or excluded on an auto insurance policy by the insurance provider.
If you have a licensed household member, whether a relative, roommate, etc, the insurer believes that the person will have access to your vehicle and thus is a rating factor that should be on your insurance policy. If the person really is not going to drive the insured vehicle then there should not be an issue with excluding them. Without you signing off on the exclusion the insurance company cannot really believe that a licensed household member may not drive your car.
State laws differ however. Typically, insurance companies are allowed to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to the operation of the vehicle by anyone in your household.
The perceived risk for non-household members by an insurance company is different and that is why you can normally let a friend that does not live with you borrow your vehicle without adding him or her to your policy.
A friend may occasionally borrow your car and be covered by your insurance because they do not have regular access to your car and thus are not rated as a risk factor on your policy. If you do have someone outside of the household that regularly drives your car then normally an insurance carrier usually would also want this person listed an occasional driver so they would be properly covered in an accident.

2009-09-16 23:40:24 by Robert P

www.carlsonmeissner.com Attorney Kevin Hayslett gives us some helpful tips on finding the most affordable car insurance for Teen drivers. As a ...

I'm 19 years old and shortly will buy my own car. I'm trying to be independent and need to buy my own affordable car insurance for my car. The quotes from name brand insurance co. like geico and progressive are between $800-$1300/mo. That is so crazy and obviously cannot afford that. Does anybody know where I can find reasonable priced insurance (non name brands) that just covers the minimum? My budget is $100 and less. BTW, I live in SouthFlorida.
FYI: I actually just got my driver license and never drove before!!

In South Florida, there are way too many agencies pushing bad insurance. You need to call and find an agent who will talk to you. You only need PIP, Property damage, and (yes really) Bodily Injury (not required untill 2 seconds after you havean accident, so get it). You do not need nor have to take legal coverages, accidental death, towing, or hospitalization. Many agencies push these with financeing. Don't be pushed.

2009-07-07 11:51:12 by Kellyann