How do I get affordable car insurance without my dad’s involvement?

March 31, 2017 · Posted in FAQ 
car insurance
diaoman asked:

They say that first-time drivers get expensive rates for car insurance and that it can become affordable with a parent signing the application with his/her driver’s license. Now my parents don’t want to help me w/ the car insurance….how do I get affordable car insurance without their help?
Oh I think the word I was looking for instead of “involvement” was “cosigning”
I am 20 1/2 years old btw…

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8 Responses to “How do I get affordable car insurance without my dad’s involvement?”

  1. slatefordmike on April 14th, 2009 12:14 am

    Buy a station wagon or pickup truck

  2. adl_tx on April 17th, 2009 7:32 am

    If you are under 18 years old…forget it.

    You are still considered a minor…

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  3. ANDY on April 18th, 2009 7:49 pm


    You do not say where you a4e?

    In U.K The main driver must be the policy holder, and unless spouse must be added as Named driver on the policy.
    I do not know what 39:s is?
    Some companies offer a discount for taking a policy with them. Also some will give discount for On-line policies.
    Best bet is to enter details on Confused.Com.
    Remember the higher your excess the lower the premiums.
    Full Comp is most expensive as this covers your own car less excess if you cause the accident.
    3rd Party Fire and theft is cheaper but does not cover your car if you cause the accident but less excess covers your car if stolen or catches Fire.
    3rd Party only is minimum required as this covers you for the other car and any of their medical bills etc if you cause the accident.
    FC means if the other person causes the accident but does not have any insurance you can still get, less excess, your car sorted.
    If you choose lower insurance I would advise taking Legal representation if not included in the basic policy.

    Other than that contact an insurance broker.

    Andy C

  4. Karl C on April 19th, 2009 6:23 pm

    try go compare on line. it compares the market to find you the cheapest

  5. Scott H on April 22nd, 2009 1:10 pm

    Wait until you’re 25. That’s when your insurance rates drop.

  6. David W on April 24th, 2009 11:59 am

    If you own the car and are the main driver, the insurance has to be in your name and be rated for you. Trying to insure it in your dad’s name and under his record won’t work, and could be considered fraud.

  7. Bill C on April 25th, 2009 9:46 pm – check this one. As I remember they have lowest car insurance rates for teens and young drivers.

  8. Gary A on April 28th, 2009 12:55 am

    See this take the quote, they’ll come back with prices from different insurers in your area. It’s very quick and free of charge.
    But to find a cheap price you should get several quotes, do some legwork till something really cheap will come along.
    If you buy an oldish Corolla, they are cheap to insure and fair on gas, get liability only and that’s the cheapest type of cover you may get.
    But get several quotes, try them all, they are free so find the cheapest one, it’s out there.

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