If I turn 16 and get my drivers license In minnesota and I drive my moms minivan, thats already Insured under her name, will she have to call the Insurance company and tell them I will be driving the vehicle?. My mom and I will share the vehicle so both of us will be driving It, will she be paying double the Insurance since theres two people or how does that work. We also have a another minivan thats my dads, that I might drive occasionally, would she also have to tell them I might be driving the other van also, and than basically I would be paying Insurance on two different vehciles, or since I would already be Insured on one vehicle could I drive the other one without putting my name on It, or how does that work. And so would my mom be paying for her and my name on the van or how does the Insurance company charge. Any guesses on what It would be for Insurance on a 1998 chevy venture mini van v6, and on my 1984 ford f150 v6 2wd answer all the questions. That would be nice.

 

Sounds like questions you should be asking the insurance company in question. They know the current coverage provided within the policy's, they would be the best ones to get your answers from.
Nobody here knows the details of your mother or fathers policy and could only speculate and guess.

 

Not knowing MN's insurance board / regulations , few things in play here.

1. What insurance do you have on your 1984 F150 when compared to the other cars ?

Generally speaking, insurance will cover to the lower of the 2 policies if there is a claim.
Example would be if you have liability only on your truck, and you run mom's van into a ditch, you ( and mom ) could be out of luck, and paying for it out of pocket.
The answer to this is on the declaration pages that come with the policy / bill.

2. The multiple drivers, again depending on MN insurance board / regulations, if you have multiple regular drivers on a vehicle, you need to list them on the policy.
This would be applicable if you have 1 vehicle and 2 drivers.
There is a formula for how the policy cost is derived depending on age, driving record and credit rating and maybe percentage of usage ( HS student vs working parent ).
The easy estimation is the policy is rated to the worst driver on the policy, if 50% of the time is each driver. Again the MN insurance board provides the rules on what is allowed to be used in determining the insurance rate. Check the dec pages with the policy for the MN rules on this.

If you are going to be a primary on your 1984 truck, and occasional user of the vans, best to use the same insurance company if anything happens.
Also ask an agent on what liability levels are required with sharing the same address and being a minor, your state rules might still have your parents being financially accountable for you.

Guess on coverage, 100.00 to 1,000.00 ( + ) per month.
Too many options to be able to provide an estimate on the cost.
Items like deductible amount, driving record, age, credit rating, what insurance items are selected, and what the limits used are all questions for getting the rate quote.
Even the generic "full coverage" is a vague term, as the limits on full coverage can vary greatly.

Start with the insurance broker that your parents use, and work from there.

He should be able to give you an idea of what can be done with MN's insurance regulations and the best way to make sure you are insured to the family's liabilities.

 

Are ya talking about like calling the Insurance company 1800 number. I think I will call them annoymous so that they wont automatically add me as a driver since In 16.

 

I think you had better have your parents make the appropriate calls.

 

As GLC posted, Do not do anything without talking it through with your parents.

Calling the 800 number anonymously is not going to give you much of an answer, considering it is all subject to providing the detailed information on an application.

To make a decision from this route is about on par with tossing a dart at the wall.

 

wow

 

Apparently Mom and Dad dont wont him driving their vehicles and have probaly told him the Insurance is going to be sky high

 

I'm taking a class on insurance as an elective and heres the way it works in Texas

You technically dont have to call and tell them because under your parents insurance all "resident relatives" (children) are covered no matter what even if your away at college which your not.
However the first time you screw up and they find out that your driving they will add you to the "named insured" on your insurance cards. Then the rates are going sky high because 1. your below 25 or whatever the age is. 2. you have an accident on your record.

To sum it up if you never have an accident and as long as you are living with your parents you are legally covered but you wont be listed on the policy as a named person but you will be covered as a resident relative.

Its kinda complicated to explain but your agent wont tell you this because if you call them and tell them your driving they can jack your premiums up. If you dont call they wont know about you but your still covered and you wont be paying for a while until they find out some way or you have an accident.

This probably doesnt make since but I hope it does.

 

I get what your saying another wards I dont have to tell them as long as I dont get In a accident, but my mom said they might find out from the state either way If they send Information saying I have my license. Would there be a fine for me not being under the policy If something happens, could they say I myself dont have Insurance and charge me for no Insurance, or would I be covered under relative resident.

 

I can only speak for Texas so check your policy.
It will be in the fine print but what the Texas ones we looked at in class say is

Covered
1 named insured. The people on the card
2 permissive user. Anyone the named insured gives permission to drive vehicle. That's not you because it has to be a once in a while thing.
3 resident relative.
I think there are a few more but read your policy and it will be in the fine print. One big thing I learned in this class is insurance companies give a lot of definitions because the law requires them to. If something is ambiguous the courts will rule in favor of the insured and not the company.

 

This depends on your insurance.

THIS. This is a horrible idea.

The best course of action for you is to go and talk to your insurance company.

Just because you have your drivers licenses doesn't mean that you have to be put on the insurance. However, if you get your license and don't carry insurance, you cannot drive the family vehicles.

This is what I remember from living in Minnesota, however, before you do anything, do yourself and your family a favor and talk to the insurance company with your mom. Failure to do this could cause major financial hardship for them if you decide to go driving and have an accident.

 

Your parent's insurance is going to go sky-high because they now have a 16-year-old driver tooling around town in one (if not both) of their vehicles. If they don't like that, tell them they're about 17-years and one stop at Walgreen's too late to do anything about it.

That being said, I would encourage them to do this the right way because the odds of you driving for the next 5-years with no fender-benders or moving violations of any kind is slim-to-none -- and "none" just left the building! The potential cost of trying to obfuscate the fact that you are now driving their vehicles is simply not worth the risk.

I also question whether in this day and age the insurance company won't automatically know what's going on once a valid driver's license is issued to a 16-year-old kid living at your parent's address......

 

I will find out the stuff.

 

As a teenage driver, most insurance provider requires that you be added to the policy and yes, your parents’ insurance rates will go up as a result. If they don’t want that then you should get your own insurance policy. It’s pretty easy with the vast number of online car insurance quotes out there. With good student discounts and a defensive driver’s credit, your auto insurance expenses may not even be that high.