Getting Cheap SR22 Insurance for Teens
Q: My teenager is on my policy and has been for a few months, but a couple of months ago he got pulled over and his blood alcohol level was over the limit, so now we have to get SR22 car insurance. It’s so expensive. Is there anything I can do to get better pricing?
A: As a teenager, your son’s rates are automatically going to be higher, and especially when SR22 car insurance is involved. It’s been said that car insurance for teen boys costs, on the average, in the thousands, and isn’t much lower for teen girls. However, there is one thing you can do to get a discount and keep your son on track at the same time.
Most car insurance companies provide you with a discount for your insurance policy if you have someone who is under the age of 25, a full time student, unmarried, and a good student on your policy. Usually, a company will require the student score an average of Bs, or have a 3.5 grade point average in order to qualify. If your son isn’t quite up to mark yet, you can use this as a motivator, and take away his privilege to drive if he doesn’t achieve it.
Can a 17 Year Old Purchase Car Insurance?
Reader’s Question:
Can I purchase and insure a car if Im only 17 years old? I live in Wisconsin. Thank you.
Jean
Good question Jean.
The Wisconsin Department of Transportation does not mention any type of restriction for age for purchasing a car or for registering one. The state statutes do discuss the issue of a minor buying a car though.
Section 218.0147 Subsection 1 of the WI statutes states that a minor may not purchase or lease any car unless he/she, at the time of purchase or lease, provides to the seller or lessor a written statement verified before a individual authorized to administer oaths and made and signed by either parent or a legal guardian.
If a minor have a parent or guardian who will sign a statement verifying that the minor has permission to buy the car, then a minor will be able to purchase a car.
You may contact with the WI DOT and Commissioner of Insurance if you want to get more information regarding laws in Wisconsin and verify if a teenager may be able to purchase and insure a motor vehicle and if so, what are the requirements you need to have.
Goodluck!
MariCAR
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