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Q

My children are over 18 and do not spend 50 percent of their time at my home. Do I need to have them on my auto insurance? Neither drives a car that is titled to me.


A

If their permanent address is still your home, then even if your kids are over the age of 18 it is likely that your auto insurance company will require you to list them. If they really don't drive your cars, ask your agent about excluding them so that you can avoid paying the big young-driver premiums.

If your children don't live at your house for 50 percent of year because they have gone off to college, then you may be able to take them off of your policy.

It will really depend upon the guidelines of your car insurance company and your specific situation if you will have to list your children your policy as drivers.

Car insurance company guidelines vary greatly with regards to policyholder's kids who have gone off to college and if they have to remain on your policy or not. How far away their schools are from your home and how often they are home may determine if you can take them off or not.

You will have to speak to your agent about your company's specific rules on this. It may be that if your children come home from college and drive your vehicles they would need to be listed on the policy as a driver, or they may be covered on the policy as it is.

Finally, if your children have moved out of your house and only come to visit from time to time, then usually you would not need to list them on your car insurance policy.

When your kids' permanent address is no longer your household, you should be able to take them off your car insurance policy. To drop them from the policy, you may need to provide proof to your car insurance company that your children have moved out and/or that they have a car insurance policy of their own.

Your auto insurance agent can advise you on the guidelines of your provider and tell you for certain if your children need to be listed on your policy or not.

When adding or deleting drivers from your policy, it is a good time to let CarInsurance.com help you shop for discount auto insurance. We can help you check car insurance prices and find you the best car insurance for your situation.


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