I Need a Cheap Used Car Insurance Quote In Arizona
Reader’s Question:
Next month I am planning to purchase a used car, but before I do so I would like to know if I would need to purchase car insurance first for that car in Glendale, Arizona.
James
Glendale, AZ
You would probably need to obtain car insurance before taking over the ownership of the used car in many states if this is your first car. If you have car insurance already and you are just replacing a car on your current car insurance policy in Arizona the insurance coverage might insure your used car that you are planning to purchase for a few days. To be sure you will have to verify with your state laws and insurance carrier.
Keep in mind that Before you purchase a new or used vehicle you will need to contact your car insurance carrier to inform them about the vehicle you might buy. The insurance company should be able to give you a car insurance quote of what it will cost you to add the used car to your car insurance policy, which can assist you budget for your vehicle purchase. Your insurance provider can then let you know when you should give them a call and add the used vehicle you purchased so it will be properly covered.
Can I Purchase Car Insurance Without Social Security Number?
Reader’s Question:
Can I purchase car insurance without a Social Security number in Arizona?
Patrick
Chandler, AZ
Yes, you can purchase car insurance in Arizona without a SSN but insurance providers will require you to have a US driver’s license which depending upon state laws in which you reside in, you may be required to have a social security number in order to get a license.
There are controversies over the use of credit scores for insurance rating, however the bottom line is that insurance providers have not been able to find a better indicator of risk factors other than using a simple credit-based insurance score along with the other factors that can affect auto insurance rate. It is not less controversial than the use of marital status or sex and even age as a factor. Each of these factors have come under public scrutiny as biased and a form of profiling. Insurance providers are trying to assign an insurance rate to a risk pool. They work hard to determine risks and assist the pool by having those contributors pay their equal share.
Can Teenager Buy a Used Car In Arizona Without Parent?
Reader’s Question;
Can a 17 year old teen buy and insure a vehicle from a private seller Arizona with cash without consent from parent?
Amy
Mesa, AZ
This will depend upon state laws if a seventeen year old teen (or any aged minor) can buy a vehicle from a private seller in Mesa Arizona with cash without getting their parent’s consent. The age at which an individual can legally have ownership of a car varies from state to state.
Generally, a teen or minor cannot enter into a contract therefore cannot be a sole owner of a car. Normally a minor cannot actually own a property. Technically, his or her parents own that property. If a parent or a guardian will co-sign on a loan for a vehicle, the minor can purchase a vehicle, but the parent will be the legal owner.
There can be exceptions to this generalization and this depend upon state laws. For instance in Arizona, they have an emancipation statute for teens or minors over 16 who can show they are sufficiently mature to handle their own financial and health-related responsibilities. If the order is granted, the minor may be able to enter into legally-binding contracts for the purchase of property, including vehicles and insurance.
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