I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford -
I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem - most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey)
2006-09-02 18:25:09 · 12 answers · asked by swim32 2 in Cars & Transportation ➔ Insurance & Registration
As a licensed agent for NJ I can assure you there is no insurance company that will insure your son until he is 18. Given his driving record his rates will probably be near the 6000 per year range for just liability. He will benefit with a lower rate continuing to be on your insurance because the rating will be based on yourself with him only being an occasional driver along with his tickets. If he goes on his own he will be rated individually with no prior insurance history, 2 tickets and no credit to speak of to counter balance some of his activity if in fact is was a good credit rating. There is something called a Named not Owned policy which he can obtain is he does not have a vehicle titled in his name which would give him valuable insurance history which will lower his rate in the future when he does obtain a car of his own but he will also have to maintain a clean driving history for at least 2 years for this to be effective. I know it is tough and NJ rates are ridiculous; the only ones higher are Bronx and Brooklyn NY. But once again you will have to wait until he is 18 to even get a Named Not Owned Policy. Just to explain a Named Not Owned Policy will cover him for basic liability which would be Bodily Injury which pays out if he is in an at fault accident for the other person's medical injuries, Property Damage which would cover the other person's vehicle damage and PIP or Personal Injury Protection which would cover his medical bills up to a desired threshhold until his health coverage would then kick in with Supplimental uninsured motorist which would cover him if he was hit by someone with no insurance or not enough insurance to cover his injuries along with NJ Limited Tort or Verbal Threshhold. The limits I would suggest for a Named Not Owned POlicy would be BI 15/30, PD 25k , PIP 15k with 250.00 deductible SUM 15/30 SUM property damage 5k..... This Named not Owned policy will cover your son for any vehicle he drives which he does not own. This would be the way to get him off your policy out on his own. The other alternative would to be to have your son obtain insurance through the State. He would have to demonstrate that he has tried at least three insurance companies (when he is 18) all of which who refuse to offer him coverage.
2006-09-02 19:13:20 · answer #1 · answered by Dave 1 · 1⤊ 0⤋
At - QUOTESTOCOVER.INFO- you can get quotes in just a few minutes
RE Anybody know of any car insurance co's that will give auto insurance policies to 17 year olds??
I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford -
I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem - most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey)
2014-08-21 02:02:00 · answer #2 · answered by Anonymous · 0⤊ 0⤋
I recommend one to visit this internet site where you can get rates from different companies: http://COVERAGEDEALS.NET/index.html?src=2YAnasl1ey4A
RE :Anybody know of any car insurance co's that will give auto insurance policies to 17 year olds??
I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford -
I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem - most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey)
Follow 10 answers
2016-09-01 11:04:43 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you want him off tell your insurance agent you want to specifically exclude him. This means that he is off your policy but if he drives your car he's not covered. If your company won't exclude him then your agent is just being an ***, call another one.
Generally 17year olds cant get their own policy because contracts are not legally binding until they turn 18.
2006-09-02 20:18:00 · answer #4 · answered by Jim R 5 · 0⤊ 0⤋
I would try InsureMe. They have access to a large network of auto insurance companies and agents across the country.
I recommend InsureMe – They give you the five best auto insurance quotes from top-rated auto insurers nationwide. To request a free, no obligation quote, Go to http://www.insureme.com/landing.aspx?Refby=613596&Type=auto
I hope that helps! Take care and best of luck with your auto insurance!
2006-09-03 09:27:44 · answer #5 · answered by Anonymous · 0⤊ 0⤋
i'm not sure about n.j. but here in mo. we have a company called abia which is in contact with several companys to find the cheapest and best rates for all people. the even got me a better rate the progesseve and gieco. i have a sixteen yr old on my policy. my sister also used the and her daughter turned 19 2 weeks ago. she has 2 tickets and 3 accidents. the first accidents was 1 month after she got her license at 16.
2006-09-02 18:43:48 · answer #6 · answered by kat 2 · 0⤊ 0⤋
Sorry.. not possible, but if you are his mother you can have his driving License taken away by the state, then you show your Ins company that he can no longer drive Legally and that should not be a problem. That what I will do. I have a 15 year old Good luck
2006-09-02 18:35:17 · answer #7 · answered by lynnn30 4 · 0⤊ 0⤋
Dont you hate the insurance scams.They get you anyway they can. Ive heard of one type that could save you some money if they have it in your area.Non owner coverage.If your son doesnt own his own car .It would be a lot cheaper on insurance.Hope this helps.
2006-09-02 18:40:08 · answer #8 · answered by Mr Toooo Sexy 6 · 0⤊ 0⤋
I might suggest that you try this website where onel can compare rates from different companies: http://COVERAGE-FINDER.NET/index.html?src=5YAxnu68umH27deW1
RE :Anybody know of any car insurance co's that will give auto insurance policies to 17 year olds??
I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford -
I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem - most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey)
Follow 12 answers
2017-03-09 15:34:41 · answer #9 · answered by ? 6 · 0⤊ 0⤋
You must be 18 years old to sign a binding legal document.
2006-09-03 17:23:42 · answer #10 · answered by Brin 2 · 0⤊ 0⤋