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KP3519 | Question about auto loan...? |
I am 18 years old and I am currently trying to get an auto loan from a bank. I don't have established credit so I am having my aunt co-sign for me. I am getting the loan for $7500 but I have run into a few problems. My aunts credit is perfect and I know she can get accepted for the loan. The problem is that every bank I have gone to requires me to get full coverage insurance in my name. I don't mind the full coverage insurance but the fact that it's in my name would make my payments extremely ridiculous. I have talked to a few ppl that have gotten loans at the bank for around $12,000 and for some reason they were able to still remain under their parents insurance. I am looking to remain under my parents insurance but is it possible to do so with the loan I am trying to obtain? If not, then what are some other solutions to purchasing this car because I want it reallll bad. Any type of personal loans I could apply for? or any other solutions?
Additional Details
The bank is making me have the car insured under my name. Thats the problem. I have gotten quotes from several different insurance companies and not one of them estimated under 500 dollars a month. Now thats just something I can't afford. |
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Cindy Lee
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Insurance depends on which state you live in and the laws there. Any time you have a lien against a car you have to carry full coverage insurance (more than just the states liability). This ensures the bank will get their money (or most of it) back if you were to total it in a wreck. Talk to several insurance agents in the area you live. Ask questions! If they are a good agent they will help you find a solution to the insurance side of the question you have. Also, some insurance companies (State Farm) have banks now and there are little or no fees attached as does most banks have. Plus they are more likely to have free gap coverage (pays off the loan in case it is totalled in a wreck - not just "value" of the depreciated car). So, my first solution would be talk to the insurance agents first, and see if the company they work for also does auto loans. There are also other discounts such as good student, good driver, and multi-line discounts most offer. Don't be afraid to ask questions! Good luck! |
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Brenda
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Get the loan from your parents (through your aunt or not) . . . have the car registered to your parents and you listed as a secondary driver of the auto.
Until you come of "age" the insurance business is simply discriminatory again the young ~ it's not friendly in the least.
The overall goal is for you to have a car ~ right ? ~ what would it matter if it was in your father/mothers name ? . . . no biggy and a whole lot cheaper for everyone. |
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tinahdez@sbcglobal.net
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If you live at home with your parents their auto insurance can possibly cover you too. It may be less costly particularly if they have both home and car insurance with the same company. The real issue is the car is in your name. Can't you put it in your parents' name so they can extend insurance to you under multiple car ownership. |
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Isabell
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If you think you need to have a new or used car to support your life activity, auto loan is the kind of loan which will guarantee a loan regardless of your credit rating<!--With this credit rating waive, guaranteed approval auto loan will have a higher interest which you need to consider thoroughly before you jumping into it.
http://best-loans.awardspace.com/autoloans.htm
http://best-loans.awardspace.com/auto.html
There are a lot of companies which can guarantee you auto loans, so you must find the best offer that is suitable with your monthly income. Look for the best deal and offer that you can get. You can visit-->any banks and car dealers around your area, but for a guaranteed approval auto loan usually available via websites. |
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mbrcatz
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Yes, well, that's the way it is.
The policy only has to pay out, to cars owned by the NAMED INSURED. The name on the title, registration, and insurance policy all have to match.
The way out of this, is for the car to be titled in the name of your parents, or your aunt - the same name will be on the loan, and the insurance, then they'll just have to trust YOU to make the payments.
And you'll have to hope they don't die before they sign the title of the car over to you, if/when you ever want the insurance in YOUR name. Because otherwise, the car belongs to THEIR heirs, not you.
*I'd also suggest, that this car with you as a driver, is NOT going to be significantly cheaper under your parents' policy. Get the insurance quote FIRST, and be sure you get it with you as a driver. It's you the driver that's making most of the cost. Also, if you can't afford the insurance, you really can't afford the car. * |
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