| Can you make your child a permissive user in order to get a discount? You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent. Do I have to list my spouse as a driver?You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy. Car insurance for elderly car owner who doesn't driveThere's a couple of ways to go about handling this. First, you need to be careful about your mother's registration. Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies. See More Questions | Are deductibles company specific? While they are some company-specific deductibles, the standard ones are $500 and $1000. So it's unlikely you won't be able to get the desired amount for your collision or comprehensive deductible. See More Questions |