How long does it take to get car insurance?

[BoomerD]

Originally posted by: Xanis

Originally posted by: BoomerD

Originally posted by: Xanis
I know it's exciting to get your license (I know I was excited) but try to keep it in your pants. Trust me, there will be more than enough oppurtunity to drive and believe me when I say the novelty wears off really fast. Anyhow, I was originally added to my parents plan when I got my license and it took like 3 days to get valid coverage.

EDIT: There are TWO forms of insurance you must have to legally drive: One for the driver and one for the vehicle. If you don't have your own car, then you only need insurance on the driver right now, since your parent's car(s) are already insured.

Not sure what the laws are where you live, but in MOST states, you DON'T insure the driver, only the vehicle, BUT, your insurance can follow you if you drive rental cars and such...Having 2 separate policies would suck...fvcking insurance is already xpendy enough...

Don't quote me on this, but I *think* that there are two policies, but you get charged for one price. I live in PA, by the way.

I dunno about PA, but I've only driven for 35 years, and I've NEVER seen or heard of such a thing. Not saying that in some states it might not be the case, but not out west. I've been licenced and insured in Kahleeforneeya, Idaho, Washington, Utah, Wyoming, Nevada, and Colorado, andin each of them, you only purchase insurance for your vehicle, ALTHOUGH, your driving record and a few other factors affect the rate...

 

[ArJuN]

Deleted

 

[jagec]

Originally posted by: ArJuN

Haha, yea tell me about it...My parents are so weird...they are always bitchin' about gas prices...yet they've managed to have 3 SUVs...But I don't mind driving SUVs, I've learned, or atleast practiced in one. So it's really the only thing I'm used to right now.

Get a car...much better in every way.

 

[ArJuN]

Deleted

 

[BoomerD]

http://info.insure.com/auto/basics.html
http://info.insure.com/auto/liabilityorder.html


You insure the vehicle, coverage is extended to family members who drive the vehicle. (in most cases, you need to notify the insurance company who will be driving the car, if it's more than just casual use) It's cheaper for your parents to add you to their insurance, than to purchase your own for your car.

 

[ArJuN]

Deleted

 

[Kadarin]

Originally posted by: jagec

Originally posted by: Xanis
Trust me, there will be more than enough oppurtunity to drive and believe me when I say the novelty wears off really fast.

I disagree...I still love driving. Guess it depends on the person.

And the car. I love driving my GTO

 

[BoomerD]

Originally posted by: ArJuN

Originally posted by: BoomerD
http://info.insure.com/auto/basics.html
http://info.insure.com/auto/liabilityorder.html


You insure the vehicle, coverage is extended to family members who drive the vehicle. (in most cases, you need to notify the insurance company who will be driving the car, if it's more than just casual use) It's cheaper for your parents to add you to their insurance, than to purchase your own for your car.

Yea, that's exactly what they are doing. But it's damn risky (especially knowing me) because if I screw up, their insurance gets hit permenantly, if I had my own, only I would pay the consequences.

I know I spelled something wrong there, just ignore it.

If YOU own the car, then by all means, you CAN purchase your own auto insurance. (different states may not allow you to at 17...check with your agent) BUT, you will pay considerably more for the same coverage than they do, and MAY NOT even be allowed to get the same coverage due to your age and driving experience. They may get multiple car discounts, homeowner discounts (if they have cars and home insured thru the same company) and a couple of different discounts that you, as a single driver won't be offered.

 

[jagec]

Originally posted by: ArJuN
But it's damn risky (especially knowing me) because if I screw up,

You're planning on crashing? Yikes.

 

[thomsbrain]

Originally posted by: ArJuN

Originally posted by: BoomerD
http://info.insure.com/auto/basics.html
http://info.insure.com/auto/liabilityorder.html


You insure the vehicle, coverage is extended to family members who drive the vehicle. (in most cases, you need to notify the insurance company who will be driving the car, if it's more than just casual use) It's cheaper for your parents to add you to their insurance, than to purchase your own for your car.

Yea, that's exactly what they are doing. But it's damn risky (especially knowing me) because if I screw up, their insurance gets hit permenantly, if I had my own, only I would pay the consequences.

I know I spelled something wrong there, just ignore it.

it wouldn't be permanant at all. things only stay on your DMV record for so long (7 years?). i was at fault in two accidents and had a speeding ticket before i turned 19, and i currently enjoy the "safe driver" discount and a completely clean DMV record.

 

[Lonyo]

Originally posted by: ArJuN

Originally posted by: BoomerD
http://info.insure.com/auto/basics.html
http://info.insure.com/auto/liabilityorder.html


You insure the vehicle, coverage is extended to family members who drive the vehicle. (in most cases, you need to notify the insurance company who will be driving the car, if it's more than just casual use) It's cheaper for your parents to add you to their insurance, than to purchase your own for your car.

Yea, that's exactly what they are doing. But it's damn risky (especially knowing me) because if I screw up, their insurance gets hit permenantly, if I had my own, only I would pay the consequences.

I know I spelled something wrong there, just ignore it.

It doesn't really encourage you to drive as safely as you might otherwise if you're not on your own record either.
I had to pay for my own insurance for my car, if I fvck up, then I'm not going to be able to afford the repairs + insurance hike, so I have a huge incentive not to even think of being dangerous or getting myself into a situation where something might go wrong.
Very good motivation. There is a slightly amount less IMO if you're on someone elses insurance, because you're not going to suffer all of the consequences, and you didn't pay in the first place (assuming they're paying), but obviously it's cheaper and nicer for your pocket

 

[TwinkleToes77]

Have your parents add you as an occassional driver to one of thelower rated cars.. unless ofcourse there is an extra car in the household... 3 cars/2drivers... if thats the case.. you will be assigned as the principal driver of one of the cars.. it doesnt matter if you drive the others.. as long as you are listed as a driver on the policy.

 

[EyeMWing]

For me, it was effective "NOW."

And I'm not sure what everyone's getting on about with the mailing of cards.

When I was on my parent's insurance, the only insurance cards we had had dad's name printed on them and were to be kept in each vehicle. Maybe other insurance companies give you one card per driver per vehicle, or one per driver, but the cops never had any problem accepting a card with someone else's name on it (so long as the vehicle was the right one) as proof of insurance.

 

[ArJuN]

Deleted

 

[jai6638]

Originally posted by: TwinkleToes77
Have your parents add you as an occassional driver to one of thelower rated cars.. unless ofcourse there is an extra car in the household... 3 cars/2drivers... if thats the case.. you will be assigned as the principal driver of one of the cars.. it doesnt matter if you drive the others.. as long as you are listed as a driver on the policy.

Whats the advantage of being added as an "occasoinal driver"? Reduces the money my parents would need to shell out? If so, whats the catch?

 

[geckojohn]

Usually you can process car insurance the same day and issue proof of insurance and ID cards right away.