insurance?

[troskinatior]

hello, me and my bro are looking to geta drift/track car but the only problem is that insurance cost to much. is there some way to buy the car under my name but put the insurance under my mom to save tons of money? how old do you have to be to get collectors car insurance and how any mles can you drive a year? they say you cant drive on the track but how would they find out and if they did what would happen?you can also drive on the track without insurance right, you just have to tow it there.

[marlin29311]

hello, me and my bro are looking to geta drift/track car but the only problem is that insurance cost to much. is there some way to buy the car under my name but put the insurance under my mom to save tons of money? how old do you have to be to get collectors car insurance and how any mles can you drive a year? they say you cant drive on the track but how would they find out and if they did what would happen?you can also drive on the track without insurance right, you just have to tow it there.

Insurance on vehicles that are used on track is very expensive - it is usually written on a per day basis, not included on your regular on-road auto policy.

For your regular auto policy, if you are looking to save and have the car listed under your parent's policy, the title of the vehilce and the registration must be in your parent's name. Then you would be added as a driver to that policy - it's still going to cost a bunch because you are a youthful with no experience (and a lot more if you are buying a car that is high performance/expensive/exotic...etc.).

Collector car insurance is not designed for regular road use, and generally excludes all track usage as well - it's desinged for what it's called - collecting. Use in shows, etc...that's all it's for. Generally speaking, you have to be 25 years old to get that type of insurance, depending on the carrier.

Living in NJ, you are required to have insurance on any registered vehicle, so the question of having insurance or not does not apply to going on track - if you don't have insurance, you're not allowed to operate that vehicle (unless its a special vehicle designed for racing...etc...which doesn't apply here). Your normal auto policy will not cover you in any form of track day or racing event peroid. You can go onto the track without purchasing your own track insurance, but you are doing so at your own peril - if you have an accident while at the track, you will not be covered for the damage done to the vehicle - and yes, they know if you were on the track. There's no real sneaking around the situation. They'll deny your claim, and you'll be left to pay the damages.

[troskinatior]

thanks

so i need insurance if the cars registered, so could i bring it to the track with it no being registered

[marlin29311]

That is something that you have to determine with the individual track itself - though I don't believe that you can purchase a vehicle and not register it...