16 Year Old Teen Auto Insurance Quote in Colorado
Reader’s Question:
My 16 year old daughter is purchasing a vehicle from a private seller in Colorado. The seller said she has heard that it is illegal to sell to a teenager. Is this true?
Helen
Arvada, CO
Your 16-year-old daughter should be able to buy a car Colorado. But, a parent or legal guardian will probably have to co-own the car until she turns 18-years-old. Until she turns 18, she is a minor. Minors are not permitted to enter a legally binding contract on their own. After your daughter turns 18, she will be able to buy any car on her own. If she buys the car, she has a regular driver’s license, and needs car insurance, depending the state which she resides.
Your daughter may be able to enter her zip code, hit the ‘new quote’ button, so she can obtain a car insurance quote. Also, she will also be able to buy her policy immediately too online!!!
Young Driver Auto Insurance With Traffic Tickets
Reader’s Question:
When I was 16 and before I even got my driver’s license, I got a ticket for reckless driving, another ticket for not stopping after getting involved in an accident, and another ticket for speeding. It has been five years already. I want to find out if these tickets will affect my car insurance?
Marian
Stamford, CT
For the most part, these kind of situation will not affect your quest to buy car insurance. Most of the insurance providers only research the last 3 years on your motor vehicle record. There are some insurance providers that will research the last five years on your motor vehicle record. There is an extremely small minority of insurance carriers that will research the last 7 years of your motor vehicle history. Again, that is an extremely small number of companies. You may contact your car insurance company to verify how long they check back for motor vehicle driving record
16 Year Old Driver – Can I Buy Car Insurance?
Reader’s Question:
Can I own a car and buy insurance even if I’m only 16 with just a learners permit? I live in Wisconsin.
Yen
Good question Yen.
There are no age restrictions for buying and registering motor vehicles according to the Wisconsin Department of Transportation.
According to Section 218.0147 of the Wisconsin state statutes that no minor may purchase or lease any motor vehicle unless the minor at the time of the purchase or lease submits to the seller or lessor a statement verified before a person authorized to administer oaths and made and signed by either a parent or a guardian.
This means that you will need a parent or guardian to sign a statement giving you a consent to buy a vehicle. The signed statement will also be use for the application for title.
So basically you may be able to purchase a vehicle if you have the right paperwork and consent from your parent or guardian. This may also apply in getting car insurance, but some insurance companies may not allow you because a minor is not bound to any contracts. You will probably going to have your parent sign any insurance documents if you are going to apply for a car insurance.
If you want to get more information in laws in the state of Wisconsin regarding a minor purchasing and insuring a vehicle, you may contact with the Wisconsin Department of Transportation and with the Commissioner of Insurance.
Goodluck!
MariCAR
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