How much do you pay for your car insurance if you are insured under your parent' policy? -

im 19 yrs old It depends on a whole bunch of factors. No one here can really give you a good estimate - you'll have to call your parents' agent. That depends on your age, driving record, the car you drive and if you are a primary or occassional driver. Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. SOme companies run credit scorees and MOST run a motor vehicel report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. In my agency, we have several different companies that specialize in insuring the youthful operator. At any rate, it will probably be less expensive to be insured on your parents' policy since you are only 19 - you will get the benefit of their credit rating, homeowner discounts, multi-car discounts, just to name a few. Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem! Good luck, drive RESPONSIBLY and I hope this helps