Car Insurance Costs

Should I drop my 25yo son from insurance?

To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy.

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Coverage & Claims

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company.
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