For someone that is 22 year-old, is having his the last semster in college ( Won't be a student after this semester)...what is the best auto insurance package?
Is that a good idea to be part of my parents' policy? can he still be part of his parents' policy? what will happen after he graduates in 6 months?
This will be his first time driving too, so any advice on what auto insurance he should get?


Thanks a lot.

Fr_Chuck

The DMV will require insurance on the vechile the person is using for the test, If he was using my car, my insurnace policy would be provided, if he was using your car, your policy is shown, He does not have to have an insurance policy in his name ( in fact without a license you can't ge an insurance policy in your name** in policies I know os )

sheisleavinghome

So does it mean if he was using my car, I didn't have to pay extra for him? I could keep the same insurance policy without adding him?

Thanks,

Fr_Chuck

No, it means that you will need to check to see if he will be covered driving your car with your agent, as for as actually being covered, On my policy any adult who is not a member of my household ( living in my house) is covered unless they are not listed as excluded.
For example i have one adult son, not living at home, but he is excluded from my policy from when he used to live at home.
If he is living at home with you, and going to be driving your car, you will need to list him as a driver on your policy . His name will not show up on the card but he would be a listed driver.

You still keep the same policy , merely add a additional driver living at home.

Now if you have a policy that only insures the listed drivers only then no one can use your car expect you ( very seldom are these written except in somme of the super cheap policies.)

But you insurnace car, not the person, and list the drivers with the insurnace companies.

sheisleavinghome

If he is eligible, can I add him to the list? Does it cost extra money?

ScottGem

Generally adding an authorized driver, especially a young one, will increase your insurance rate.

Fr_Chuck

yes, if they are under 25 and/or have less than 3 to 5 years of driving experince and esp if they are male, they will increase the insurance price alot.

JudyKayTee

In some States (and NY is getting sticky about this) if you have a young driver in your house and you swear on a stack of Bibles that he/she will NEVER drive the car, NEVER, you still have to list them as a potential driver and pay the higher premium (for a young driver).

States vary but in NY if your child has a separate insurance policy but is under your roof and is an accident without enough insurance to cover the injuries/damages the Attorney will move against YOUR (separate) auto insurance as overflow coverage.

(I have explained this until I am blue in the face and my own family doubts me but I spend a lot of time in people's driveways taking down license plate number of other vehicles in order to look for other insurance policies.)