18 Year Old Las Vegas Teen Car Insurance Rates

Reader’s Question:

Hello. I am 18 years old and just obtained my G2 in Las Vegas. I was wondering if I can drive my friend’s car or my parent’s car that is insured without me being insured in?

Paul

Las Vegas, NV

 

With your G2 most insurance providers in Las Vegas will require you to be listed to your parent’s insurance policy since you are part of their household and now have more driving responsibilities with fewer restrictions while operating your parent’s cars.

If your parents do not notify the insurance provider in Las Vegas of your G2 licensing status then it is likely that you will not be properly covered if you were to get involved in an accident in your parent’s car. As for driving a friend’s car, the owner of the vehicle is typically responsible for anyone who operates their vehicle with permission so your friend will need to check with their insurance company to verify if you would be covered to drive their vehicle.

Your friend will need to keep in mind that if you are covered by their insurance company and you have an at-fault accident while driving their vehicle, it will go on their insurance record and your friend will get his/her insurance premium affected. Insurance does not follow the motorist; it goes with the vehicle.

Las Vegas Teen Auto Insurance Rates With Speeding Ticket

Reader’s Question:

I am only 17 and I just got my license just last week. I received a speeding ticket for doing 55 in a 45 zone. How much are my insurance rates going to jump because of this violation and for how long? I got the reduced rate for attending driving school from my insurance company and I do have the good student discount. I live in Las Vegas Nevada.

Brad

Las Vegas, NV

 

Each insurance company handles insurance points differently. The car insurance company uses a point system under which assigns their individual values to each type of traffic infractions and accident claim. Chances are the insurance providers will not assign a higher rate for that minor traffic infraction. But, this violation may force your insurance carrier to remove any “safe driver” discount that applies to your insurance policy. The length of time that this violation will affect your insurance rate depends upon your insurance carrier. Some insurance companies verify the last 3 years of your motor vehicle report. Some use the last 5 years, and some even use the last 7 years.