Should I get car insurance in my name or parents?

Barton Morfee: Also, I want to make sure I have this correctly, you do the course online, print out the certificate, go to the DPS, do the written exam, get your permit, then after 6 months of driving with a parent, you go back and do the driving test to get your license? But how would they know how many hours you drove with a parent? And is a "VOE" required, what is it for exactly? THANKS in advance.

Randolph Lozoya: I might suggest that you visit this website where you can compare rates from different companies: http://COVERAGEFINDER.NET/index.html?src=2YAidy5cl...RE :Should I get car insurance in my name or parents?I'm 16. A lot of people are telling my parents to get my car insurance in their name and not tell them i'm the primary driver because it will be so much cheaper. Does that mean if I get in my first wreck they won't cover it or they'll just raise it after?Update: There will be only 2 cars if I'm added.Follow 11 answers...Show more

Providenc! ia Jalbert: It will be cheaper to add you to their insurance policy,than to have a seperate policy, because of multi-vehicle discounts.. they will list you as primary driver anyway, if there are three cars and three drivers

Irma Poiter: it depends on how the car is titled and what state you are in and whether you are living in their household. All drivers in a household will be listed on a policy unless the driver is excluded. some states do not allow a driver in a household to be excluded so it depends on the state rules for that. When the insurance company runs a motor vehicle record (mvr) it will give all drivers who use the address on the policy for the drivers license. If you don't tell them and they find out that way they can add you. If the car is insured the insurance will follow the car but beware if you are not added to the policy because if at the time of a claim it will be discovered that you are a driver and your parents could be facing a point wh! ere the insurance company will back date adding you to the pol! icy. Insurance companies charge what is call an inexperience operator surcharge to any driver with less than five years experience driving.... that surcharge is what makes insurance increase when new drivers are added to the policy. The good news is that the longer you drive the less that surcharge is until you have none at the five year mark. ...Show more

Ronny Nowzari: The question on the top should be "Does the National Driver Training online course teach well, and how long does it take for a Texan under 18?" Can I just go straight to get the written permit test WITHOUT having to do any online courses or go to any classes?

Fermin Tara: If you do it in your parents name it will be cheaper because of good student discounts. But, as far as I know, they will have to put you as a primary driver. That is as long as you have more than 2 cars - one where you are primary, one for your mom, one for your dad. But if they only have 2 they won't have to do that.

Herma Ellebrecht: The answer depends on the state you are in and the policy provisions. In some states, the company can declare a policy void ab initio (there never was a policy) if you have lied on the application. Other states won't allow that to be done.

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Julieta Suleiman: Compare quotes for free at http://HELP.INSURE-HELP.COMRE Should I get car insurance in my name or parents? I'm 16. A lot of people are telling my parents to get my car insurance in their name and not tell them i'm the primary driver because it will be so much cheaper. Does that mean if I get in my first wreck they won't cover it or they'll just raise it after?...Show more

Jammie Taddei: The owner of the car signs for the insurance. Not telling the company that you ha! ve a high rated driver leaves you open to several years of very expensi! ve insurance. It's a bad idea.If the car is insured, the company will cover it, but rates will go up.

Doreatha Kjellsen: 1024

Malcom Bourek: You might want to consult with an attorney - not knowing all of the issues it would be money well spent to see what your rights are and how to pursue and how much it will cost. It might be as simple as having the attorney write a letter to the dealer or contacting local law enforcement - or there could be more to this issue that needs to be sorted out.

Giovanni Malool: There will be only 2 cars if I'm added.

Ron Keliipio: Many states require you to carry those 2 documents.so it is imperative to get them as soon as posible {in case you are pulled over by the police}Your insurance agent will provide a new card for you easily enough. This can be done by phone & fax.For the registration card: Go to your local DMV or Secretary of State Office. Bring with you proper I.D. & vehicle information, as well as the plate/tag! info.Tell them you need to fill out an "Affirmation of Registration" form & receive a duplicate registration card..There shouldn't be a fee at all for this, but if your state charges one it will be nominal. Other than the fact that if found--sombody knows where you live, what you drive, & who insures you ....there is little to be gained with this knowledge. But you might want to report it to your local police just in case.

Darwin Ecton: Let this site do the work for you: http://WWW.USINSURANCEQUOTE.NET just submit your info and get the best rates.

Delmer Pectol: You can use INSURE-CHEAP.INFO to compare free quotes.

Chauncey Williama: What state? File a complaint with the state that handles the Notaries because that person is working without a notary license and is charging fees that are illegal. Notaries by law can only charge a certain amount and that $988 is way over what notaries are allowed to charge.Was the truck a salvage title? You need to! go to the DMV and get the truck registered in your name. If you need ! one get a "defective title bond". You need to post your state for more help.

Cody Petrulis: that sounds like a gimmick to get money off you. I am sure people in texas can get a manual from the local DMV and with a doctors exam get a learners permit, learn to drive with an adult, study the book and take the tests without ever going online. Do you think they only give licenses to people with computers? If someone does not speak English they can even bring a interpreter to help.

Marhta Teahan: I purchased a 2007 chevy crew cab silverado, and after the cash traded hands (guy has business an dealers license) gave me no receipt or bill of sale. I went to get it notarized, he said he'd take me to his notary, it'll be cheaper. Well, come to find out, it was a wrecked truck. Didn't bother me, it was fixed. No frame damage. But after paying for insurance, I arrive at the notary to find she wants 988$ for a 3000 truck. I thought it was a little high and I wasn't expecti! ng that kind of tax, so I couldn't afford it at the time. She printed a bill of sale for me to get the seller to sign, this was 3 months ago. The truck broke down (trans went out) so I put a new trans in it yesterday, and he all of a sudden wants the truck back. He bought the truck from a company called copart, and had signed the back of the title as the buyer, however, I have his signature, as the seller, and mine as the buyer on the bill of sale. However, the "notary" is NOT A LICENSED NOTARY?! It was never final

Tijuana Tatsak: I've lost my car registration and insurance papers, had them in the pocket in a small plastic wallet and they fell out. My questions are these...What do I do now? Do I call the insurance company? Do I call the DMV? And most importantly of all, what will happen if someone finds them, and decides not to return them to me, what can they do with it? Also, can i still drive safely and quietly without them for the time being?

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