General Insurance

Do I have to add my adult son to my insurance if he'll be driving my car while visiting?

Since your son lives in his own home at college, you will not have to add them to your policy if they drive your car less than ten times per year, with most companies. Some insurance companies offer a discount if you add a college student who lives away from home and has limited access to the insured car and seldom drives it. Every company is different so I would check with your company for their specific rules.

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General Insurance

Does The Zebra use a hard or soft credit pull to compare insurance quotes?

Thank you for this question. The Zebra does not do a soft or hard pull of your credit.

Coverage & Claims

Should we keep our adult son's car insurance in our name?

Put simply, if your son is on your insurance policy, you can be held liable for the damages he causes. You can put him on his own policy, but the rates will very likely be higher.

Car Insurance Costs

Should I worry about carrying the minimum liability coverage on my $3000 vehicle?

You are exactly right. Since you do not have any assets and you are not financing a vehicle, you only need liability coverage.

Eligibility

How should I handle my daughters' car insurance when they're in college?

While it can vary by your insurer, I would recommend getting your daughters' their own policy and simply paying the bill. Because you own the vehicles, you should be added as the additional interest to the policy.

General Insurance

Should I register my vehicle in the state I attend college in?

It depends. Obviously, you want to get the insurance in the state that the car is registered in.

General Insurance

Would moving 19 year old child who is in college onto her own policy a smart move?

You are definitely thinking this through correctly. It's funny because a lot of parents do not consider the risk.

General Insurance

Can my parent's be sued if I don't have enough coverage after an accident?

If you're on your own policy without your parents, it's unlikely they would be sued if your coverage is exhausted after a car accident. Because you're considered an adult, regardless where you live, you would be sued if you were found liable - not them.

Eligibility

How long can I stay on my mom's policy after she died?

I am sorry for your loss. In terms of handling the auto insurance, every company handles this transitioning period differently.

Eligibility

How can I get auto insurance as a foreign driver?

You can use our insurance calculator here in order to find insurance. Your status as a foreign driver does not impact this as long as you have your license.

Car Insurance Costs

Can I use my parent's address if my college zip code is causing my rate to increase?

The zip code where the vehicle is primarily kept is what needs to be used for insurance purposes. Depending on your age, company, and residential state, you may have been able to stay on your parent's policy, but since you now live off-campus you will have to use the address where you live.
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