Is it possible to stay under my moms car insurance plan if I get my own place?

Question

I am planning on moving out, but I am on my moms car insurance right now, is it possible to keep it under her name if I move out?

If not, will my insurance go up alot??

Answer 1

If you tell your insurance company your moving, they will make you get your own policy, unless your moving to a college dorm.

If you don't tell your insurance company, they may deny a claim if they find out. The most likely way they would find out would be an updated driver's license.

Either way when you turn 25, they will make you get your own policy.

Answer 2

Yes, you can stay under your mother's policy. Insurers want to know the identities of all licenced driver's in the household, and where they are insured and if they are not insured elsewhere, they will want to have them listed as an operator on the policy. However, insurers want to know if there are any other regular operators of the vehicle(s) being insured, and they will also want to know if and where they are insured. Failure to inform the insurer of the above, or failure to inform that a licenced driver has moved into the household during the policy term, is considered misrepresentation and will cause the policy to be voidable. Insurers do not care if a listed driver has moved, all they want to know is where they are insured. What they WILL want to know is if you take the vehicle with you to another state, city or even another part of the city where you were living before. Many insurers base their rates on where the vehicle is used most often or where it is garaged at night, and they will often use zip codes to determine your rate. So if it's just you who are moving, then there's no problem. If you are taking the vehicle with you, talk to your broker/agent.

Answer 3

No. Alimony is in no way an same element as baby help. Alimony is likewise commonplace as spousal upkeep - my awareness is it quite is way less probably to be presented by technique of the courts, as there are further and extra different halves who do not stay at abode. (and please do not concentration on superstar divorces - maximum folk do not spend thousands of bucks a three hundred and sixty 5 days on hair salons, m'kay? i'm speaking about everyday human beings right here...) Spousal upkeep may be short while period, say for decades, with the reason of providing a bridge for a divorced SAHM to get a job once the children attain a particular age, or it may nicely be lengthy run reckoning on the age and stipulations of the spouse on the time of the divorce. F'rinstance, if a lady who's continuously been a homemaker receives divorced at age 60, she's not often probably to stumble on a job which will help her, so she may be granted some type of help. each and each case is human being reckoning on the couple and the decide's predilections. baby help is meant to help the youngster. in basic terms what it sounds like. yet that contains, f'rinstance, having a suitable position to stay. expenditures extra to have a 2 or 3-mattress room condominium than a studio, and the youngster help expenditures flow in the route of that, between different issues. although the easy actuality is that maximum divorced women human beings and youngsters wade through a huge drop in earnings and monetary well-being. it really is with no end in sight extreme priced to reinforce youthful ones and to stay, and the prices of operating 2 households instead of one, on any earnings (even 2 peoples'), are crushing. and then there are men who do not pay the ordered baby help.... My husband's ex took the youngster help funds and used it to help her new husband's business enterprise, and there became not something he ought to do till the youngster became emancipated and he paid her immediately.

Answer 4

Yes, as long as the car is registered in HER name, you are a listed driver, and you've changed the garaging address of the car you use to reflect the new address.

Assuming you're under 25 and have a worse credit score than your mother, yes, your insurance will be higher on your own - but you'll need to get a quote from a local agent to see how much higher.

Answer 5

The real answer is that, yes, you will be able to stay on her policy. BUT, God forbid you ever make a claim, because the company will satisfy that claim and then cancel you immediately for lying (not telling) to them.

Good luck getting good insurance for a long time after that..

Answer 6

If you are wise, you will call your insurance agent to get the correct information. It would be important to clarify how many cars are covered, and your age. How long will your mother be willing to support an adult child? If you can't afford the expense then reconsider your options. Best wishes.

Answer 7

I know from personal experience that you can stay on you parents car insureance when you move out. I still am, married and everything. If you do go on your own policy it will depend on your age as to how much it will cost you.

Answer 8

Surprisingly it can be cheaper sometimes being by yourself. If your mom has average credit or below & you have no credit then your price may be lower by yourself. You may want to try getting a quote online. I am paying less than ½ of what I was before.

Go to: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto

Take care,
Casey