Parents add children's cars to insurance policies

“Or daughter (24) drives better than me - she has a spotless driving record since 17. She was variously on our insurance and on her own insurance with her own car. Now she is finished with her education and moving to DC for her job and planning to not own a car, and potentially not having auto insurance. If she gets a car a few years down the line will that gap impact her quotes? Or should she switch to non-owner insurance, or ? Thanks. submitted by /u/aries_burner_809 [link] [c”

“Hey everyone, I bought my parents a 2023 lincoln, they drive and live in TX. Their house is also under my name. I have my own house and car also in TX but in different zip codes. All properties real and automotive have been insured under the same policy under my name with Progressive. Started having an issue with snapshot on one of the cars not reporting, so when I called to sort that out, I got flagged for non-renewal because of the two different zip codes. After 45 mins, finally got a rep who”

“My sister added me onto her policy as a secondary driver while we get ownership of the car transferred. Due to poor visibility in the rain at night, I got into an accident with another driver who I couldn’t see. I honestly still am unsure how it all happened, but I assume I will be considered at fault. I feel terrible because now this will impact my sister’s rates. I am going to offer to pay any premium increase for the next few years. I assume no, but is there any possibility this claim will no”

“My friend's 25 year old son is coming from the UK to NY for graduate school. He has a clean driving record in London but no US driving record and no credit score. Will his rates be 2x an average US driver or will carriers give him credit for years of driving? Any carriers that are a good fit for this type of risk? Thanks! submitted by /u/MediaNo1259 [link] [comments]”

“I 23m make around 52k and drive a truck in my dads name. I pay the insurance on it. It’s got 170k miles on it and from my research they tend to only make it to 200k. I plan to move out soon and was wondering what is good car knowledge to have. I know it’s recommended to get a used vehicle. Are trucks fine or is a car better? What year or mileage should I consider? Should I get an extended warranty? When is it time to replace a vehicle? These are the types of questions I have and I’m curious to g”

“I just got married and I’m privileged enough that up until now my parents were paying for my car insurance. I’m 29 and have a 2018 Subaru Impreza. I’m completely overwhelmed when I google car insurance and I’m not sure how to begin my search for something that is actually good and affordable. In my time driving I’ve had a couple speeding tickets but I believe those are a few years old now. Location is USA submitted by /u/No_Culture6900 [link] [comments]”

“I’m in a bit of a pickle, as my parent resides in Ohio now but I am still dependent on them. I myself fully reside in Michigan and my vehicle is registered in Michigan. The vehicle is under my parent’s name. When they got new insurance, they insured my vehicle under an Ohio insurance plan. I am curious if, since I operate the vehicle in Michigan and everything else listed already, I need to have Michigan insurance as well/instead of the other plan? I couldn’t find much info on this topic, only a”

“I’m 18 and live in Los Angeles (90028). I’m currently on my mom’s insurance policy. She has a 2026 Cadillac Lyriq, and I had a 2011 BMW X3 on the same policy. With both cars and both of us insured, we were paying around $1,000/month. I have two accidents on my record, while my mom has a clean driving record. My insurance is now totaling out my BMW after a relatively minor accident because they decided the repair cost isn’t worth it compared with the value of the car. I’m expecting roughly $10,00”

submitted by /u/shackett74 [link] [comments]

“(Illinois - Chicago - 2 Adults, 1 teen, no accidents) I added my 16 yr old daughter to our auto insurance (USAA), and understandably our rate shot up. I decided to do some shopping and got quotes from a local agent for Erie, Auto-Owners, and Liberty Mutual, in addition to independent quotes from Amica and State Farm. State Farm came in about 49% lower than every other company, which are all roughly within $500 of each other (and my USAA rate). I have picked this proposal apart, and it seems on t”

“My step daughter is 18 and has lived with my wife and I full time for over a year now. She does not even have her learner’s permit yet (she has failed a couple of times and has never seemed very interested in getting it anyway). Randomly got an email from Progressive yesterday that my account needed attention to confirm unlisted drivers. I had called in the past to ask how much our rate would increase for her permit vs her license, and expected no issues now. I was told that simply living with u”

“Hello everyone. We live in NYC and I (18M) recently got added to my dads (50M) auto policy. He has an 09 Toyota Camry and has no accidents. Once I got added, it doubled the premium from $200/month to $400/month. Once this policy ends in a couple of months, I plan on getting a car (like a 2014 Lexus) and adding it to the policy. It could be put under either my dads name or my name, depending on what's cheaper. How much should I expect the premium to increase by? Will it increase significantly”

submitted by /u/Prior_Masterpiece_89 [link] [comments]

“My parents and I(m22) currently reside in TX. I was looking at insurance rates for a vehicle I am planning on buying and the cheapest quote I got was for 320 per month. I was wondering if it would be possible for me to be added under my parents auto insurance policy, as well as if it would be cheaper. Ideally, the insurance policy would be under my parents but I would be the only authorized driver under the policy. I also do not live with my parents and have my own apartment, even though we are”

“What's the deal with Liberty Mutual automatically adding drivers onto policy w/o consent? Got a letter today informing me my 16 yr old son w/ new license lives in my household and would be added to my policy unless I opted out? I didn't ask them for this nor would I, as the family policy is under State Farm. If I ignored this, would they try and bill me? The letter stated he would be added by Oct 8. Not appreciated to have to take time out to opt out of something I never opted into. &#32”

“My son 17, has his NY permit, completed drivers ed and is scheduling his road test. He lives with my ex. She has multiple dui’s and just got her license back and just got a car and car insurance in her name. My son was just automatically added to her policy this week. She wants him off and on my policy . I have a car for him that is owned, registered and insured in my name only. I plan to give it to him once he passed the road test. The car will reside with him at her house. How do I insure him”

“Recently my boyfriend got a car, and in order to get it his mom had to add him as an insured driver to her policy. He (20) payed the fee of $160. Last year they added his sister (21) to the policy, but it was only $100? Is his mom trying to milk him for more money? Also, his mom just recently mentioned he had to pay his monthly car insurance PLUS a driver insurance. I thought to be insured you just had to pay the one time fee. Is that how it actually work? submitted by /u/whattheactu”

“Hello all, Looking for recommendations while insurance shopping. Moving in with gf from home, both cars are currently under parents plan and I pay them. 2017 Camaro as weekend, 2024 maverick as daily. What is the minimum coverage I should get as well as the best companies? submitted by /u/xwarhammer95x [link] [comments]”

“I live in MD and have recently started driving on my own. I’m under my parent’s insurance, but does the title of the car have to be under my name if I’m driving it around by myself? submitted by /u/akindertale [link] [comments]”

“Hi all, Currently all cars are registered and insured for our permanent home in Florida, but I have to work at SC for a few months (8-10), and my son is heading up to New York for school, we will both keep our cars in those respective states, but they will stay registered in FL, as NY allows students to maintain home state residency as long as they are only there for school. I want to keep my son under our policy, and notify insurance companies that garaging location is changing, but as I shop f”

“So my credit isn’t the best and it makes my car insurance high. My question is: if I my parents (with much better credit) get the policy in their name and add me as a driver will it make it go down? My driving record is clean and I’ve been continuously insured the entire time I’ve had my car, but these $420 insurance payment s are whipping me. Thanks in advance submitted by /u/Cautious-Process-635 [link] [comments]”

“I've just discovered, apparently, my mom who I moved back in with 2 years ago should be an added driver to my insurance by nature of her being a licensed adult. On the one hand, I read online anecdotally like it's kinda a bit deal to not have put her on my insurance already and I might even owe back pay. On the other hand, the GEICO page for this seems kinda "meh:" https://share.google/4AmWm64rjaA8iZkGc She uses my car maybe 3 times a year. She has her own policy for her own ca”

“like the title says I want to know the best way to go and find an auto insurance plan that wont completely screw me. my family has two cars currently and we're looking for a third (for me) but on our current geico plan it shot up by $318 when I was added to the policy because im 19 (licensed at 18) and got caught speeding doing 90 something in a 60. I believe I had 5 pts originally when I pleaded guilty but it's been a year so it may be 2 now. cars we own : 2022 mistubishi outlander 2009”

submitted by /u/CoffeeResident8730 [link] [comments]

“I'm currently insured as an additional driver under my parent's insurance. I'm about to buy a car and the plan is to register it solely under my name. Am I allowed to add that car to my parent's insurance? I'm asking here because I've called Allstate twice and they told me it was fine, but the chat support agent and Google are telling me that it's not allowed unless a parent is a co-owner on the car. Would appreciate any insight since this is my first car purchase and”

“So basically, me and my girlfriend are moving out soon. Her father gave us a paper and told us to sign and put our information on it or else his auto insurance is going to drop him from his policy. I am not a primary driver, nor have I had a reason to drive my girlfriend’s car. My own car is already fully insured and I am currently paying for said insurance. I just feel that it seems a bit redundant to have to pay extra to be listed on another policy for a car that I will not ever drive. I don’t”

“Pretty much the title but more info: When my dad got my car insurance I guess he figured I wouldn't be moving out anytime soon so all the paperwork is in his name, and now I'm trying to move out he pointed out I'd need my own insurance since the permanent address thing But I don't see why it matters I don't think it means anything since the seperate permanent address but I am a college student EDIT:: ty all for your help! 😭 turns out my dad is also just unwilling to let me s”

“keep it short. my wife and I have seperate auto policies. listed as drivers on each. state is Ma. my parents live with us. I also have them listed on the policy, even though they have their own insurance elsewhere. I told my wife to add them to hers, as well. she claims she was told when she called that she did not need to add them because they are covered under their own policy. Is this correct? the language of laws and rules is a little vague, but it seems to me, they should be added, am I wro”

“Correct but she made it sound like she was going to continue coverage unchanged (thy way a young adult might continue medical insurance coverage after moving on to college.). But her family will have change their policy and pay more to cover her car.”

“I plan to buy a car but it will only be under my name and not my father's. We live in the same house. But I heard if that is case then I need to buy my own policy and I cannot be under my father's policy since he has no title on the car. Is this correct? The reason is because I want the multicar and home discount since we live in the same home submitted by /u/caseyrobinson2 [link] [comments]”

“I'm aware I have to add all licensed and permitted drivers in my household, that's not the issue. The issue is that we were ***still at the DMV waiting for his learners permit to be printed*** when I got the email from Progressive that he was being added to my policy, and that I now owed them an additional $160 for the remaining 47 days of the policy. I never called them to tell them to add him. Is that even legal??? Edit to reiterate because it seems to be getting overlooked. This happe”

“I have a car and it isn't in my name. I'm covered under my parents policy. However I am planning on moving out within the next month or two. To avoid fraud, when should the title be transferred and when should I get my own insurance policy? Also I'll be living with my boyfriend, does he have to be listed on my policy or vice versa? I was told no I live in Utah if that helps Edit: he has his own policy submitted by /u/Chronically_ill_Alto [link] [comments]”

“Hello. I was notified by my current insurer that they want an exclusion for my daughter. I have two cars in my name, but they are my kids cars. I’m not sure what to do exactly as far as do I sign the title over to my daughter and look for a different carrier? I was told by a broker that me and my two kids have to be on the same policy and just ignored the exclusion thing and also tried to tell me carriers don’t offer discounts any more for bundling, which was untrue, so obviously don’t trust him”

“So my fiance and I were offered a car from a friend of mine, however I’m a new driver. My fiance has 6 or 7 years on her license. So would it change anything to have the car insurance for this car (should we decide to go through with it) under her name or under mine? Or would it be expensive regardless because I’m a new driver even if car was insured under her name? I’m new to figuring out car insurance and I live in MA so no matter what we’re gonna be shelling out but we’ve got a real good deal”

“My mom mailed me an auto policy with my name (listed driver) and vehicle on the policy. I don't know how she got this information and I do not live with her, I live in a different city over two hours away. I haven't seen her in 12 years and only so often communicated by mail and email up until 2 years ago where I gave up on very low contact. Im in no position to move so unfortunately she does have my address. I was previously on her insurance as a teenager (i was registered owner of my o”