ok, a friend of mine is 21 and living at home with her parents, she wants to get her car/insurance.. they say that if she gets her own insurance at their address then their rate will go up, I told her that this is false, only her insurance will be her responsibility and her parents will have nothing to do with it.. meaning no surcharges on their plan, or an additional payment on their plan, even if they are with the same company... is this correct or am I making an @ss out of myself????
please answer with as much detail as possible, not just a "correct" or a "no"
2007-08-30 01:42:36 · 9 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Of course you are right but It is my experience that when parents start talking that way it is time to move out.
You might be right but it is their home and so they win, therefore they are right, period.
2007-08-31 12:47:58 · answer #1 · answered by Anonymous · 0⤊ 0⤋
You are correct. They should only need to let the insurance company know that she is excluded from driving their vehicles. If they have a problem with it, I would just switch to another company. On the other, they could also ask the car insurance company how much it would cost to have her added and she would pay the difference. No harm in that and it might save them all some money. Learn more at http://insurancetipsguide.com/
2007-08-30 08:56:57 · answer #2 · answered by Rick 2 · 0⤊ 0⤋
No offense to your friend, but could her parents be trying to get rid of her ?
I live at home and as far as I know my car insurance isn't based on if I live at my parents house or not!
I did once hear though that insurance can go up and down depending on different areas and their crime rate.
For example in a city that has high crime by crime I mean car thefts then insurance could possibly go up because there is a much higher chance of them having to pay up for a new car for the driver, whereas in a place where there is little crime insurance will be cheaper. I live in a fairly average area with not too much crime but my insurance was still higher than expected. You would have to check with the insurance company, they may be different.
2007-08-30 08:52:48 · answer #3 · answered by Anonymous · 0⤊ 0⤋
The best person to ask would be an insurance agent. Asking here is like asking your plumber for advice on how to bake a cake. You might get great advice, you might get lousy advice. You might get advice from an insurance agent, even.
But without knowing the companies you're dealing with, or the policies of that company, or even what country you're in, nobody can give you a good answer.
2007-08-30 08:54:46 · answer #4 · answered by Ralfcoder 7 · 0⤊ 0⤋
It depends on the company. Some don't care and won't include the daughter, some will have the parents exclude the daughter as a driver on their policy, some will ask the daughter to show proof of insurance. Other companies want everyone in the household to be on one policy. The best way is for your friend to contact her parents insurance agent and ask.
2007-08-30 10:17:44 · answer #5 · answered by blb 5 · 0⤊ 1⤋
she can get her own policy. be aware though, that because she lives in the home, SOME companies will require her parents to have her on their policy. they should call their agent and ask. the reason for this is that there is no way for the parents ins company to know if the daughters policy stays in force or not. as long as she lives in the home she has access to the parents autos. if she has points, the parents company will not charge them to the parents policy if she can prove she has her own policy where she is being charged.
2007-08-30 10:05:41 · answer #6 · answered by Queen B 6 · 0⤊ 0⤋
How about just call the insurance company and ask? Different companies have different rules.
2007-08-30 08:53:06 · answer #7 · answered by Anonymous · 1⤊ 0⤋
yes u are correct...getting ur own insurance will not and does not effect the other ppl living in the same house...the only way that it would effect her parents is if they put her on their policy. that'll give her and her parents a discount, but effect them if she did anything wrong, like tickets, accidents....
2007-08-30 14:36:35 · answer #8 · answered by Anonymous · 0⤊ 0⤋
It depends on the company. I need the name. I found interesting information about your answer here. http://all-car-insurance.blogspot.com/ Good luck!
2007-08-30 13:03:24 · answer #9 · answered by Anonymous · 0⤊ 1⤋