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You can switch off your parents’ car insurance by purchasing an insurance policy in your own name and then asking your parents to remove you from their policy. You’ll generally be required to switch off your parents’ car insurance if you move out, though college students may be an exception. Also, if the car you’re insuring previously belonged to your parents, some states and insurance companies will require the title to be in your name.
How to Switch Off Your Parents’ Car Insurance
- Retitle the car in your name, if necessary.
- Decide how much coverage you need.
- Shop around for quotes from multiple companies.
- Purchase a policy in your own name.
- Ask your parents to remove you from their policy, if you no longer live with them.
Insurance premiums for young drivers on their own are usually more expensive than premiums for a family policy that also covers more experienced drivers. So when you switch off your parents’ car insurance, it’s important to compare quotes and make sure you’re taking advantage of all available discounts. Also, if you still plan to drive your parents’ car occasionally, be sure that their policy covers permissive use.
For more information and to get advice on finding the best deal, check out WalletHub’s guide to switching car insurance.
People also ask
Can I stay on my parents car insurance if I move out?
Yes. You can stay on your parents’ car insurance if you move out, as long as:
- You’re away at school and still list your parents' home address as your primary residence.
- You’re considered an eligible dependent (insurers have different definitions) and you still drive a vehicle owned and insured by a parent.
- You’re living in another house your parents rent or own.
There is no age limit for keeping...
read full answer by WalletHub, Financial CompanyHow long can you stay on your parents' car insurance?
You can stay on your parents’ car insurance indefinitely as long as you still live with them or go to school full-time. There is no age limit for how long you can be covered by your parents’ auto insurance policy, unlike health insurance. You will need to get your own car insurance policy when you no longer live at home and register your car in your own name. Insurance companies only allow cars titled in the policyholder’s name to...
read full answer by Anamarie Waite, Car Insurance WriterDid we answer your question?
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