Getting Teen Car Insurance on Their Own
Reader’s Question:
I am currently under my parent’s car insurance policy. I cant afford to get car insurance yet on my own since I am only 18 years old.. I live with my parents in Wisconsin but they are planning to move in Illinois. Can I stay on their auto insurance if I wont be living in the same household? I have my own vehicle.
Kenosha WI
Peters
No, it is not likely that your parent’s insurance policy will be able to continue to have you and your vehicle if they move out of state. The state of Illinois has different auto insurance liability requirements than the state of WI so that is one problem that may arise but also most all insurance companies will not cover an individual and the vehicle that is not part of the household. Since your vehicle will be garaged in Kenosha Wisconsin and not at the address of your parents then an insurance provider will not usually allow you or your vehicle to be covered on your parent’s insurance policy once they move, especially to a different state.
You can check if there are ways in which to lower the car insurance premium. You can look for car insurance discounts such as safety features on your vehicle for one. Other ways in which to obtain discounts may be taking a driver improvement course or safety course, some insurance company lower car insurance rates if you take approved traffic class. In addition if you are going to school and maintaining good grades some insurance companies give good student discounts.
How Far Can Insurers Can Look Back on Your Driving Record
Reader’s Question:
Someone told me that in the state of Wisconsin the car insurance carriers were only permitted to look back 3 years on your driving record. Is this true? I live in Wisconsin.
Neve
Kenosha, WI
I am not aware that insurance companies can only look at your driving record for three years in Wisconsin. Auto insurance carriers generally can go back 3, 5 or 7 years to look at a person’s driving record.
Most minor moving violations stay on your record for three years while major traffic violations can remain on your record for seven years or more. Many insurance providers will look 3 years back on a driver’s record for minor infractions but will look back for major offenses, i.e. DUI, for a longer period of time, such as 7 years.
On applications for car insurance many carriers will request information on previous accidents and moving violations and indicate how long proceeding the application date they will want you to list. If they request more than 3 years back, then you will need to list the moving violation and/or accident that happened during the time frame they requested information on.
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