Reader’s Question:

Hey Guys, I am only 16 years and I have a learners permit in Lansing , MI . I would like to be added to my father’s auto insurance policy so I can drive my new vehicle but I can’t find an auto insurance company that will insurer that will do that for me without charging an arm and a leg. Does anyone have a recommendation for student car insurance coverage in the Lansing area? Where can I find an insurance company that will insure me in Michigan?

Ben

Lansing , MI

You should be able to be added to your father’s auto insurance policy as an additional driver without any real problems, I don’t see why you would have an issue there. It would be your father’s insurance policy that would add you to his car insurance policy. I had a cousin in Flint MI that got his own auto insurance policy in his name but he had to get a legal guardian to co-sign for him because he was not 18 and still a minor. Another way is to obtain another car insurance policy for you and your father on your new vehicle or with his car and your car together.

You can easily get an online rate quote for great car insurance in Michigan from this site, and I would encourage you to do so. When you do, make sure you ask about a student discount and a limited use discount, both of which you are probably eligible.

Some car insurance companies will give good students…or I should say students with good grades a discount. I am not sure about your grades, but nonetheless you should inquire about a student discount of some kind, just because you ARE a student or at least I hope you are at your age.

A limited use discount means you are only going to drive your vehicle short distances and to and from school or other regular routes. I would assume your vehicle sits in the school parking lot most of the time during the day and at night it is in dad ’s garage. If you are only going to be driving these short distances you probably are eligible for this kind of discount as well. Every little discount helps!

You can easily get car insurance for your vehicle in Lansing , Michigan , dont worry. Some Michigan insurers may require that you be the policyholder if the car is under your name only. Some insurance companies will allow your father to insure it for you. Others will even allow your father to insure his car on the same policy.

If you have decided that you will purchase your own insurance policy, your father will need to confirm the policy coverages along with you because you are a minor.

Tags: Car insurance discounts, First time driver car insurance, Student car insurance, Young driver car insurance

Reader’s Question:

If the insurance policy is written under two names and one of them dies, will the insurance rate will be cheaper? This is in Las Vegas, Nevada.

Romeo

Las Vegas, NV

If there are individuals on an insurance policy and one of them is taken off of the policy (for some reasons) in Las Vegas, then the insurance rate can be affected.

It is possible that it will be cheaper and it depends upon the rating system and if the insurance policy rates were higher at all because of the second adult motorist being on the policy.

To know how your specific insurance carriers rating system works and how your insurance rates would be affected in this type of situation you may contact your insurance broker since insurance rating system and guidelines vary.

The only rating factor difference that some insurance companies may see for is a widow versus single, typically though a widow rating variable would cost less than a single rating variable.

Reader’s Question:

My teenage daughter is required to have SR22 auto insurance. Can she also get a full coverage on her car, and not just the liability that SR22 provides?

Jack

Lawrence, MA

Yes, your daughter should be able to obtain car insurance coverages above the SR-22 minimum limits the state is requiring her to carry on her car.

The SR22 limits are just the minimum she must get and maintain to comply with the state’s mandate to show proof of insurance with this financial responsibility filing. She can raise the liability limits and add full coverage meaning physical damage coverages of comprehensive and collision to his insurance policy. The state wants to make sure that she has proof of car insurance for at least the minimum coverages they are mandating her to carry however the state would not discourage an individual from obtaining more auto insurance coverages that would protect both the policyholder and those that she drives her car around.

Your daughter should talk to her insurance agent about carrying the required insurance for the SR-22 and the physical damages coverages that she wants to carry on her car. She should be able to get both types of coverages.