Who knows a lot about car insurance?

Question

So, here is my situation:

I'm 17, I have my driver's license but I'm pretty sure I have to be 18 to get car insurance. I can afford a car but I can't get the insurance till I'm 18. In Maine, it's illegal to drive a car without insurance and I wouldn't anyway becuse it's retarded.

My boyfriend is 19, he does not have his driver's license but he his over the age of 18...So, I was thinking could I buy a car and put it in his name then could he get insurance for me even though he doesn't have a driver's license?

My legal guardian who is my aunt laughed at me when I asked her if I could put my future car on her insurance. She said it would make her insurance and her husband's insurance go up too. I said "Nevermind." My dad can't put me on his insurance because we do not live in the same household so it's illegal. My mom doesn't even have a driver's license. I really need to get a car because I need to drive my boyfriend to and from work, drive myself to and from work, and drive to the grocery store and things like that. I turn 18 in 4 months so I guess I can rely on public transportation until then but I would really like to find a loop hole...if there is one.

Answer 1

You can buy a car & buy insurance in your name. Who told you that you had to be 18?? You don't have to be 18 yrs old to do that. I have written many policies for 16 & 17 yr olds, in SEVERAL states. I would absolutely NOT put the car in your boyfriend's name, like someone else said, if you broke up, it is his car because it is in his name & he will deny that it is your car & good luck getting it back!

Answer 2

Your boyfriend absolutely cannot get car insurance without a driver's license. Before an agent can issue insurance, they have to run your driving record to evaluate your insurability.

You probably shouldn't put your car in your boyfriend's name because no matter how much you love him, if you break up, the car is legally his. It doesn't matter if you have a verbal agreement or not...if he is the registered owner, he is the legal owner. Since putting his name on the car won't get you insured, you simply should not do it.

The obvious answer is to put the car in your parent's name, but you haven't mentioned that as an option. Do you have another relative like an aunt or uncle or grandparent willing to put the car in their name? If so, you can put both of your names on the registration so that you are still a registered owner.

Answer 3

You started this question of so level headed, then you got crazy, No your boyfriend cant but insurance for you as a matter of fact he cant buy insurance at all without a license. Just wait until you are legal and of age by the way its illegal to drive without insurance or a license.in any state don't do it

Answer 4

Why dont you think you can secure insurance coverage? If your of legal driving age and have insurable interest (ownership) of a vehicle, you can purchase insurance. Because of your age, you can expect to pay a higher premium.

It's never smart to put any major asset in the name of a person you are not legally married to.

Answer 5

If you're going to buy a car then buy it & insure it in your name. Forget this putting it on someone else's policy.....the policy holder has to have what's called an "insurable interest" in the vehicle...meaning, if they aren't the registered owner or lienholder, they have no insurable interest.

Answer 6

I might suggest that you visit this internet site where onel can get quotes from the best companies: http://insuranceforcheap.info/index.html?src=1YAZkk2mjQ39sZZ

RE :Who knows a lot about car insurance?
So, here is my situation:

I'm 17, I have my driver's license but I'm pretty sure I have to be 18 to get car insurance. I can afford a car but I can't get the insurance till I'm 18. In Maine, it's illegal to drive a car without insurance and I wouldn't anyway becuse it's retarded.

My boyfriend is 19, he does not have his driver's license but he his over the age of 18...So, I was thinking could I buy a car and put it in his name then could he get insurance for me even though he doesn't have a driver's license?
Update: My legal guardian who is my aunt laughed at me when I asked her if I could put my future car on her insurance. She said it would make her insurance and her husband's insurance go up too. I said "Nevermind." My dad can't put me on his insurance because we do not live in the same household so it's illegal. My mom doesn't even have a driver's license. I really need to get a car because I need to drive my boyfriend to and from work, drive myself to and from work, and drive to the grocery store and things like that. I turn 18 in 4 months so I guess I can rely on public transportation until then but I would really like to find a loop hole...if there is one.
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