I will be taking the test to get my license, but live in a city where I wouldnt use it often and wont be using my parents cars. Do i need to get added to their insurance just to take the test?
2007-12-23 10:42:21 · 3 answers · asked by John R 1 in Cars & Transportation ➔ Insurance & Registration
I guess a detail I would add is that I'm a student in Philadelphia and haven't lived with my parents for almost 4 years now.
2007-12-24 06:23:45 · update #1
You do not need to be personally insured - there is no such thing. Cars, not people, are insured by auto insurance. But the insurance company raises rates based on risk factors - such as having a teen new driver in the house such as yourself. The insurance company keeps track of your age and asks your parents if you drive.
2007-12-23 10:53:55 · answer #1 · answered by DJE 3 · 2⤊ 0⤋
No, you do not. But even if you do NOt drive often, what's causing the premium to go up is your driving experience. You are basically considered a greater risk than your parents whenever you're driving, full time or NOT. In some states, you can compensate for the increase in premium by maintaining good grades (good student discount is about 30%), taking the youthful educational safety program (is another 30% discount), and many more if you live with your parents.
2007-12-23 18:13:39 · answer #2 · answered by nightroddude 2 · 0⤊ 0⤋
No, but, if you pass and stil live home, the insurance will probably find out and raise your parents insurance on the assumption that you will drive.
2007-12-23 12:08:39 · answer #3 · answered by Bob H 7 · 0⤊ 0⤋