I am a 17 year old boy and I just got my driver’s license. My parents say that auto insurance is too expensive and won’t add me to their policy. Can I get my own insurance policy at 17?
You will probably not be able to get your own car insurance policy at the age of 17 because in most states you have to be 18 in order to sign a contract. Since you are a minor, you cannot enter in to any form of agreement or contract such as an insurance policy, car loan, or cell phone plan. Even if you could get your own policy, it would be very expensive and almost impossible for you to afford by yourself. You are much better off getting on to your parent’s insurance policy because it will be cheaper. If you really want to drive, you could offer to get a job and help your parents pay for part of your car insurance, and maybe they would be more willing to add you to their policy.
Teen insurance is usually pretty expensive because young drivers lack experience and are considered high risk drivers. Also, make sure you ask the insurance company if you qualify for the good student discount (B average or better). That can definitely help lower your rates.