16 Year Old Teen Driver Auto Insurance In Michigan
Reader’s Question:
I live in Michigan. My 16 year old daughter is buying a car. Can it be titled under her name alone?
Tim
Pontiac, MI
The Department of State for Michigan states that there is no age requirement for titling a car in Michigan.
It is unlawful though to knowingly sell a car to an emancipated teen or minor without written permission from a parent or guardian. A consent document completed by the parent or guardian of the minor at the time of the sell is needed by the seller. By law, the seller is required to keep this consent form by parent or guardian for three years.
Your daughter will also need a parent or guardian to sign on any other legal papers such as an insurance policy while she is still a teen or minor.
Can 17 Year Old Teen Driver Get Their Own Auto Insurance In Michigan?
Reader’s Question:
Can a 17 year old teenager in the state of Michigan maintain auto insurance under their own names?
Jerome
Detroit, MI
The Department of State for Michigan state that there is no age restriction for titling a car in Michigan and no minimum age for getting auto insurance.
A Michigan insurance law called the Essential Insurance Act guarantees that home and car insurance will be available to all eligible citizens in Michigan. The law states that you are eligible for car insurance if you have a vehicle registered in Michigan or have a valid (not suspended or revoked) Michigan driver’s license.
If you are 17 year old teenager, and therefore still a minor, you will also need a parent or guardian to sign on any other legal papers such as an insurance policy since insurance providers normally will not permit you to sign by yourself until you are 18 and considered an adult. So the insurance policy may be under your own name at seventeen but with the consent of an adult since they may be held liable for your actions as a teenager if you fail to fulfill your obligations.
Michigan SR22 For Teen Driver – Cheap Rates Now
Reader question:
My teen…I wish I didn’t even have to say it, it makes me so mad…has to get Michigan SR22 filed because he was caught driving drunk. I would love to take his car away from him, but I’m stuck because he has a job and if he doesn’t save money from his job, he loses college money, and I know it won’t help at all to punish him by making it harder for him to attend a good college. But I pay for his insurance now. How can I get this on the cheap?
Melanie
Great question, Melanie.
Sorry to hear you’re in that situation. I would be furious too. But, you have to make the best of it. To be honest, if I were in your position, I would just make him pay for his own insurance and let him walk to work. If the walk is to far, then I’d let him quit that job and find one closer. That way he doesn’t sacrifice anything.
Still, you might not be inclined to do that, so I’ll throw you a line. There is a way that you can lower your rates for Michigan SR22 insurance while still laying the hammer on him. He has a job and school? All right, so you make sure that every free moment he has is spent either studying or in class. Here’s what I mean.
A lot of Michigan SR22 companies have a discount for good students. This can be up to 25%–that’s a lot, eh? If your son can pull a B average, he can get this.
Secondly, he needs a defensive driving class anyway, so enroll him in one. Now, if he is already required to take one, then this won’t have any effect on the insurance premium of yours, but if he isn’t required, then you can get a discount.
Cheers,
Fashun Guadarrama.
Loading ...