Is it possible to have our teenager on a separate auto policy as my wife and I?

Are there insurance companies that would allow our nearly 17 yr old son to be on a separate auto insurance company driving only one car and my wife and I on another driving the other two cars only? Would it even save money?

Oct 15, 2018 Tempe, AZ

Ava Lynch

Oct 15, 2018

Typically, it is not cheaper to have your child on a separate policy. Some of the big rating factors are credit and current insurance status. Since your son hasn't established credit, she would be charged more than someone who's credit is established. The same goes for insurance status. The longer you are insured, continuously, the better your rate will be also. There are a few other factors such as multi-vehicle discounts, possible homeowners discount, multi-driver discount, etc. She would not have access to any of these discounts on her own. I know adding a young driver will increase your rates a lot but it's still cheaper than having your daughter on her own policy. Good luck and if you have any other questions, don't hesitate to ask.

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