Auto Insurance For Teenagers
Reader’s Question:
I have a son who will get his license in the next two month. I am just wondering if he can purchase his own auto insurance. If he cannot then at what age can he get car insurance? Is there someone who specializes in auto insurance for teenagers?
Emily
Bakersfield, CA
Usually insurance carriers permit people to buy insurance at the age of 15 or 16. But, until they are 18 years old, they are considered minors. Since a car insurance policy is a legally binding contract, usually a minor or teen cannot sign it alone otherwise, the insurance policy could be considered as void. In this case, a parent or legal guardian is required usually to sign the documentation with the minor.
Since the parents or legal guardians are responsible for the minor’s actions, it’s best to have a them sign the documents with the minor. In this way, the parents or legal guardians can make certain that the minor or teen buys enough insurance to protect their own financial interests. Once the individual turns 18 years old, s/he is responsible for his/her own actions and decisions. As a result, s/he can sign his/her own documents and contracts.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
Penalties For Teens Driving Without A Driver’s License
Reader’s Question:
Im a minor and I want to know what the penalties are for me if I drive without a license.
Mike
Thank you for asking Mike.
Typically, driving without a license in the state of California includes a fine and court fees, towing and impound of the vehicle the unlicensed driver was driving. If you have had convictions before for driving as an unlicensed driver, the state may be able to take the car away from you as forfeiture.
it is considered as a misdemeanor to drive without a valid driver’s license in California. The law also requires a motorist to have his license in his possession while driving. If you drive with a suspended or revoked license, it is a misdemeanor carrying a punishment of five days to six months and/or a fine of up to $1,000 for a first conviction.
It is also noted that if a teenager does not yet have a license, the minor will be delayed in receiving his license. The CA Department of Motor Vehicles should be able to give the you more information on what other penalties may apply for driving without a license.
The county court will assign the fine for your citation where you were cited for the conviction. If you want to get information on traffic tickets you may call the court or other entity listed on the ticket to get this more information.
Goodluck!
MariCAR
