will my insurance be cheaper when I do finally buy a car? SECOND QUESTION: What if my name is insured under my parents? Does that go towards my being an "experienced" driver, therefore helping to lower my insurance for when I get my own car?
2007-02-13 00:24:06 · 4 answers · asked by Kim 3 in Cars & Transportation ➔ Insurance & Registration
If you don't drive/own a car - then yes - you will have a 'clean' driving record. If it's been long enough - then yes - you will have then benefit of better insurance rates.
Insurance companies count experience as the time since you were licensed, not the number of hours on the road. Almost universally, you are classed as "inexperienced" for the first three years -to the day- of having a license.
2007-02-13 00:30:14 · answer #1 · answered by me 7 · 1⤊ 0⤋
If you haven't driven in a long time, that means you haven't had tickets or accidents in a long time. So yes, for that reason it helps but not simply because you haven't driven.
Going under your parents' insurance WILL help with the premiums but it will not give you any "experience credits" (so to speak) as you're suggesting. When you go out on your own insurance-wise it won't count for anything towards a discount of any kind.
2007-02-13 00:29:01 · answer #2 · answered by rob1963man 5 · 1⤊ 0⤋
If you do not have insurance for a period of time.. then your insurance will be more expensive when you do get it...
I'm not sure if being covered under your parents' policy counts.. but I think it does count as you being insured.
2007-02-13 00:33:39 · answer #3 · answered by ♥Tom♥ 6 · 0⤊ 0⤋
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2016-10-02 01:49:06 · answer #4 · answered by Anonymous · 0⤊ 0⤋