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QuestionInsurance Question  When my daughter turns 16 years old, can she get her own insurance or will I (her mother) have to get it for her? I don't have a car titled in my name. It is titled in my boyfriend's name, and I'm covered on his insurance. (I have no violations.)

AnswerAuto Insurance Answer

Your daughter can buy her own policy and be the only named insured; however, due to her age you would need to sign the documents along with her. Her policy is a legal contract between she and her insurer. A minor can not enter into a legal contact. That is why you will need to sign the documents with her. Also, if the vehicle belongs to your boyfriend, that will add another 'wrinkle' to this situation. Many insurance companies will not allow her to insurance someone else's vehicle, because she has no 'insurable interest' in it. Now, depending on the state, CarInsurance.com has a company, Esurance, that will allow a minor to purchase a policy for someone else's vehicle. She will need to have her regular driver's license (not a learner's permit), an e-mail address, and her own credit card, checking account, or savings account. If a policy through Esurance is not possible, the easiest way to handle this is to add her as a driver on her boyfriend's policy - as a driver.

Your daughter can click here, enter her zip code, hit the 'start quote' button, to see if she can get an automobile insurance quote through Esurance. Remember, she will also be able to purchase her policy immediately, too!!!

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