General Insurance

Can my insured relative drive my new, uninsured car off the lot?

Even if your relative is insured, they cannot drive the car home without insurance. Their coverage does not extend to your new vehicle unless they choose to add it to their policy.

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General Insurance

What is the cheapest car to have my teenage son drive?

With most companies, all drivers on the policy are covered to drive all cars on the policy. This means vehicles are not typically assigned to a driver.

General Insurance

Can an insurance company refuse to remove a child from my policy?

All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them.

Eligibility

Can my mom add me and my car to her policy?

There's a couple of things to consider before your mom can add you to her policy. Do you live with your mom?

Eligibility

Do I need my parent's consent to get car insurance?

No, since you will be driving your parent's car, they will need to add you to their policy. There are a few reasons.

Coverage & Claims

Can I limit to children to only drive the cheapest vehicle?

California operates under a "rated driver" pricing system in auto insurance. Basically, all drives must be "rate" to a particular vehicle.

Car Insurance Costs

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

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.

Coverage & Claims
Driving History

Can my daughter stay on my car insurance policy after I transfer the title of the car to her?

There's a couple of things to think about here. First, it sounds like your daughter will be going to college away from your listed residence.

Coverage & Claims

Lying about the primary driver on a car insurance policy wrong

It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony.

Car Insurance Costs

Will my insurance company cover someone not on my policy?

Unfortunately, this is not a straight-forward answer. While there are a lot of factors that determine whether or not your insurance company will pay for the damages, the number one thing to consider is if your policy has permissive use.

General Insurance

Car insurance for an 18yo in Colorado

There are too many unique rating factors that determine your car insurance rate for me to give you an exact answer. Based on your location, the average rate of car insurance in Colorado in 2017 was $1,435.
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