How does car insurance work for a teenager?

When you are licensed driver, you need to be added to the insurance. Federal Law. It's cheaper than if you had your own car. Seriously. The impact on you in the future is substantial. If you get your own car in say two years, but your state knows you have been licensed since 16, you will get the no prior insurance rate. This is the rate that people get with a DUI. If they choose not to add you, they are doing a big time disservice to you honey. There is no "Mommy said so" rule in the eyes of the Insurance department that regulates each state. I hope this helps.

Insurance is very high for a luxury car driven by a teenager with a license.

The reason it is cheaper for you to get your own car is because insurance is cheaper if the car is a random affordable old car than if the car is a luxury car.

The reason why they let you drive the luxury cars when you had a permit is that they did not have to pay as much for insurance because you did not have a license. Now that you have a license, it is more expensive.

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RE How does car insurance work for a teenager?

I recently got my license but still do not drive due to the fact that my parents will not pay for insurance. They say it is too expensive but they also said the only way to make it ...show more

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RE How does car insurance work for a teenager?

I recently got my license but still do not drive due to the fact that my parents will not pay for insurance.
They say it is too expensive but they also said the only way to make it affordable would be by getting me a car, which I seriously do not understand!!
I don't want my own car I just want to be able to legally drive one so why would buying me a car and then insuring the car plus myself make it soo much cheaper than just already having me under their insurance and what not???
I just don't get it because once your insured you are able to drive any of the cars in the household so why buy another car just for me?? My parents aren't making sense and do not want to explain it to me. But we own luxury cars so could that be why they won't add me to the insurance? They are getting me a random, affordable used car which I don't mind but I would rather just be insured car or no car.
Oh and they let me drive around all our luxury cars when I had my permit so idk why they are doing this to me.

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RE :How does car insurance work for a teenager?
I recently got my license but still do not drive due to the fact that my parents will not pay for insurance.
They say it is too expensive but they also said the only way to make it affordable would be by getting me a car, which I seriously do not understand!!
I don't want my own car I just want to be able to legally drive one so why would buying me a car and then insuring the car plus myself make it soo much cheaper than just already having me under their insurance and what not???
I just don't get it because once your insured you are able to drive any of the cars in the household so why buy another car just for me?? My parents aren't making sense and do not want to explain it to me. But we own luxury cars so could that be why they won't add me to the insurance? They are getting me a random, affordable used car which I don't mind but I would rather just be insured car or no car.
Oh and they let me drive around all our luxury cars when I had my permit so idk why they are doing this to me.
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Here is an easy way that you should have to go through the internet where you can get more new car quotes on luxurious cars and also get Information on Car Insurance which will help in buying a car.

Insurance is on the car. The price of the insurance is determined by who is listed as a regular driver. If you live with your parents, you have to be listed as a regular driver if you ever drive the car. (If you aren't listed on the policy and you drive the car once and have an accident, the insurance won't cover it.)

Yes, listing you as a regular driver on the car will increase the cost.

If they buy you your own, cheaper car, then getting you a policy on that car where you are listed as a regular driver will be cheaper than listing you as a regular driver on an expensive car.

beachgir: You are the first teenager I have ever seen that complains because your parents want to buy you a car! But you are complaining because they will not pay for YOUR ins.
Check with some ins companies for ins that cover YOU no matter what car you are driving.

I know what they are going to do. they are going to pay cash for a car for you to drive(you will only drive that car). That car will have liability only on it. You wreck it they or you pay cash to fix it, no coverage for your ride. This will cut the cost of your insurance big time.