I am a newly licensed driver looking to buy a used car but I know you need an insurance policy before you can, how do i go about getting one?
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UPDATED: Oct 27, 2016
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Insurance Question from Crotonville, NY
Asked on 10/27/2016
I am a newly licensed driver looking to buy a used car but I know you need an insurance policy before you can, how do i go about getting one? I got my license this past july been driving nearly 2 years before that, but I just recently decided to get my license. Ive been using my moms car for the time being, obviously under her name and insurance policy. I think im finally ready to buy my own car and initally wanted to just go under my moms auto insurance but she already has too many cars and wouldnt be able to fit me in. I found a good used car, I asked the owner what i would need and he said i would need the license of the person who will register the car and car insurance information, what do i have to do?
Answer given on January 07, 2017
If you are buying a car and will be the only driver of that car, you need to get insurance in your name on the car. You can choose lower liability limits and limited coverage for damages to your car to keep the costs down. Since you are newly licensed, your rates will be higher as the amount of time you were driving without a license will not count. Your mother should not have been allowing you to drive her car while you did not have a license, since she would have been liable had you caused an accident damaging and/or injuring another person. If someone else is going to register the car, then you still need to be listed on that insurance policy to be properly insured while you are driving it. It is not recommended that you do this, because the registered owner is the one liable in the event of an accident. Your driving experience will affect the cost of the insurance whether you register the car in your name or in someone else’s name.
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