Why are my parents' driving records affecting my premium?
I live with my parents, but we never share vehicles. However, I do not understand why their driving record still affects my premium? Is there a way around this?
You should be able to get your own plan. Because you are in New Jersey, all people in the same household must be on the policy unless you can show proof the other people you live with are insured elsewhere. NJ law makes it tricky for carriers to insure a single individual when they are part of a household, but it can be done. The reason they do this is because of PIP coverage requirements and insurance companies wanting to make sure everything is rated. If your parents have bad driving records or many claims, it can definitely be a drag on your rate as well.
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If you have any questions, feel free to ask.