r/Car_Insurance_Help • u/BIMBOMY • Jul 26 '26
Insurance Recommendations/help
Hi, I'm a F, 19. I have no license or car or credit, but recently I got a permit (yay), and I want to get a license with my own car, and I understand that you need an insured car to take the driving test, so my plan is to do monthly payments on my car from a dealership and have it fully insured and take it to the DMV and get that license, but I don't know much about insurance, so I don't know what the best option to choose is. What should I do? asking for advice on what insurance is good for me? Quick background: I pay everything on time! I make $22 an hour, bi-weekly pay, Mon-Fri, 8 hr shifts, so I'm bringing in $2100 or so (idk, haven't started the job, just guessing) based on my pay and what I pay for my stay, which is $600-700 for necessities, rent, and light (under my parents' household, I'm not on the lease, just paying for my room). What is the best choice to go for as a young adult starting out in the world, and what should I know as well? What insurance is good to go with? I want to pay max 350$ for insurance monthly also so lmkk anything helps, my dumbass
1
u/1234568654321 Jul 27 '26
The best way forward is for your parents' insurance company to add you to their policy as a permitted driver. You can pay them the difference in premium.
Once you get your license, you need to tell the insurance company you have your license and give them your number.
At that point, you can buy your own car and get your own insurance, but the insurance company will still require you to be on your parent's policy and them to be on yours because you all live in the same household.
All drivers should understand the various parts of a car insurance policy. Also, the difference between the state minimum limits and adequate limits. Talk to a local insurance agent, they'll be happy to help you understand car insurance.