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Old 02-12-2018, 08:48 AM
 
3,114 posts, read 1,164,548 times
Reputation: 9088

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bella, it sounds like you're about to make a big mistake.

Does your mother know of your plan to leave and to live with your girlfriend "for awhile", whatever that means? You are jumping out of an airplane without a parachute.

I don't know what it was you did that your mother "didn't like", but you are cutting off your nose to spite your face.

And yes, if you want to change the insurance on your car or the billing info on your phone, you'll have to buy "a whole new one" that's in your name.
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Old 02-13-2018, 10:08 AM
 
7,702 posts, read 7,483,160 times
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Since you are 17, I'm assuming the car is technically under your mother's name. You'd actually need her to go through whatever procedure your state has to transfer the title to you. Now, whether or not she does that all depends on what exactly your situation is with her and who bought the car and such.


As for getting insurance when you turn 18, I thought everyone did that regardless of if they move out of their parents house or not. I've had my own policy since I legally could.
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Old 02-13-2018, 10:34 AM
 
4,559 posts, read 5,610,192 times
Reputation: 6297
I still have my 20-something-year-old son's car insurance on my policy. It's much cheaper that way (multi-car discount). He pays me for it every month along with his "room and board" fees.

OP (original poster), please work things out with your mom, unless she is just emotionally toxic or physically abusive. It will be easier for you to go to school/save up money, etc., if you are living at home or if you and your mom can get along well enough for her to be willing to help you out by leaving the car insurance on her policy.

And, as the others have said, she would also have to be willing to sign the car over to you so that you legally own it before you can get your own insurance on it. But, given your age, and especially if you are male, it will likely be much higher without that multi-car discount.
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Old Today, 03:32 AM
 
221 posts, read 76,631 times
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To have a policy in your name, the car must be registered to you. It will be significantly higher- I quoted a 23 year old girl the other day and it was like 450 a month.

It also depends what State you live in- GA and SC have higher rates. If you get a quote, make sure you get every discount your eligible for...goodbdriving, accident free, drivers training, good student, etc

Also, your mom may also be able to release the credit of the current ins. Policy to you. That also would help with the rate.
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Old Today, 08:52 PM
 
441 posts, read 180,270 times
Reputation: 514
Quote:
Originally Posted by Jilly9244 View Post
To have a policy in your name, the car must be registered to you. It will be significantly higher- I quoted a 23 year old girl the other day and it was like 450 a month.

It also depends what State you live in- GA and SC have higher rates. If you get a quote, make sure you get every discount your eligible for...goodbdriving, accident free, drivers training, good student, etc

Also, your mom may also be able to release the credit of the current ins. Policy to you. That also would help with the rate.
That's really high - my rates have never been that high nor even close for full coverage on a new/newer (owned outright) vehicle, a terrible driving record with a suspension and sr-22...DH had a DUI 6 months after mine was reinstated and we were still under $200/month for full coverage on two (not financed) new vehicles, me being 22. I wonder if it's his credit...? Our state... college grades at the time? If you get married before 25, you get the 25 discount then I was told...own a home discount...?
*ETA, basically I feel very lucky after reading this!

Although it's been 6-7 years since either of us have had a ticket & we still pay $150 on both cars. I could probably shop around, but lazy.

$450 is really a lot! That's gotta be more or as much as a car payment...poor girl.

Also op, if you pay the 6 months in full you shave off a bit.
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