Can I Add My Son’s Girlfriends Car To My Auto Insurance Policy?
My son’s girlfriend is 18 and she is purchasing a new car. She is financing part of it. The insurance for her is very expensive so I though maybe I could add her to my policy. I figure if the car was in my name it wouldn’t be a problem, but since it is going to be in her name and since she’s not actually related to me I may not be able to do it.
February 9th, 2010 at 4:43 am
Yes, you can as long as she lives with you in the same household. One thing to keep in mind that people don’t realize when adding young drivers is that your policy premium will go up and at any time they get into an accident or get a ticket your premium will go up due to their negligence but as soon as they get their own insurance the incident will follow them and not effect your policy anymore. The reason the insurance may be cheaper with adding her onto your policy opposed to her having her own policy is because the risk is spread over however many people are on the policy instead of just her. For example, if you have a solid clear driving history the chance of you getting involved in an incident is a lot less then her, so the insurance company won’t have to charge as much because there is a chance you might drive the vehicle since it is at your residence and she lives with you. If she doesn’t live with you, it might be an issue. You will have to check with your insurance company about garaging locations if thats the case. Hope it helps.
February 9th, 2010 at 5:07 am
Why would you do that? Girlfriends come and go. If she is unable to afford car insurance perhaps HER parents should be the ones to help her out, that is unless you don’t mind paying the dramatically increased rates of having a teen driver on your policy.
February 9th, 2010 at 8:15 am
well you can add anyone name you want really doesnt matter who they are
just say i want to add a name to my policy
February 9th, 2010 at 9:39 am
Very Bad Idea!!! You are just asking for problems! Her cost is not your problem!