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

Does he have his own car ??

First time driving ?? do you mean he has not had a drivers license before ?

If you are in the US, it can vary greatly from state to state, many companies will not insure a young driver with no experience,
Often, a policy with the same company he has been insurned under his parents can be the best, but honestly it is a matter of getting a dozen quotes and seeing who can be the best.

ScottGem

I believe as long as he is living at home, he can be insured under the parent's policy. Usually this will be the cheapest since it takes advantage of multi-car and other discounts.

But its easy to get a quote these days. Progressive.com will give a comparison quote.

sheisleavinghome

He can't get his license without an insurance. He has never driven before...He hasn't got his car yet...should he get his car first? can he use his parents' car?

sheisleavinghome

he is living in the dorm, can he still be under his parents' policy?

Once he graduates, is that possible to stay under his parents' policy?

ScottGem

Not true. One can get their license without their own insurance policy. The parents can add him as an additional driver. However, to get an accurate quote he will need to have a car ready to buy.

P.S. Please don't cross post. I've merged your two threads.

sheisleavinghome

Thank you, I am sorry, I didn't know if I was posting in the right place until I saw "insurance".

How long can he stay with his parents' policy?

And he has to have the insurance before taking the final driving test...what if he fails? He didn't get the license. Does he still have to pay for the insurance? (or pay the difference with the old policy that his parents' have)

Thank you for the help!

ScottGem

What state do you live in? Is DMV telling you you need coverage to take the test?

If that's the case, then I would add him to your insurance contingent on him passing the test. If he doesn't you can remove him. Why not talk to your insurer they can probably give you better answers. As i said, as long as he is living at the address of the policy owner, he can be covered under it.

sheisleavinghome

I live in NC. The DMV requires insurance to take the test.

I have filed a claim last month, if he goes out having another accident, my rate will go up no matter I remove him afterwards or not, right?

Thank you. I am also thinking about changing insurer at this moment, so that's why I am also getting advice on which company is better.

ScottGem

If the claim was on his driving then there is the possibility it will go up. Its not a guarantee, though.