Most insurance companies allow a newly licensed 16-year-old the ability to purchase an insurance policy. However, you will need a parent or a legal guardian to sign the application with you. Since you a minor, your policy will be 'void' if your parent or legal guardian does not sign the application with you. (This is a good thing for your parent or legal guardian. Because your parent or legal guardian is responsible for you and your actions in the eyes of the law, they can make sure you are purchasing insurance that will protect his or her financial interests.)

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