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Q

My son is 22 years old and is moving away from home. His vehicle is registered in his name. I would like to keep him insured on my insurance. Is that allowable?


A

Probably not. Once a child moves away from home, usually your car insurance company will not allow you to continue to cover them on your policy.

For car insurance, if a child lives with his parents and drives their cars, then he is eligible to stay listed on the parents' car insurance policy. But when a child, in your case your son, moves out and lives in a separate residence, your insurer no longer considers him a household resident and doesn't want to insure him on your car insurance policy.

The rates for the child and the vehicle he drives are partially based on your home's location. Once the child moves away, the insurer requires the child to get his own policyrated on the new location and other information.

In your situation, where the car is titled in your son's name, it should be simple for him to get his own auto insurance policy. As the car owner, he has insurable interest in the vehicle and can get his own policy for it without issues.

His rates will likely be higher than they were while he was on your policy; however, if he keeps a clean driving record, then in time his car insurance rates should go down.

When your son is searching for low cost car insurance, CarInsurance.com can help him out. We offer multiple company insurance rates for personal auto insurance and the ability to purchase from one place; we are ahead of other online insurance companies.

He can start his free auto insurance quote here to see how companies compete for his business so that he can obtain affordable auto insurance.



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