Should I add myself to my mom's auto insurance policy or buy my own?

  • by Anonymous
  • Oct 23,2018
  • 12 answers

Should I add myself to my mom's auto insurance policy or buy my own?


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Insurance Answers (12)

Flower 2 months ago

If you live in the same house you can do that. It will be cheaper that way.

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in2myheart 3 months ago

I would go on hers for now. I have 3 grown children (25 - 33 years) that are still on my policy. No accidents. I have a grandfathered policy that has better coverage. If and when they get their own, the coverage will change substantially.

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Casey Y 3 months ago

You can shop it both ways, but there are other issues. If you are 18 and own your car in your own name...you cannot go on her policy. If the car is in her name, you cannot insure it in your name...

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Insurance Pickle.com 3 months ago

I bet her insurance agent/broker would know. Call them and ask which way is better.

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StephenWeinstein 3 months ago

If possible, add yourself to hers. Even if you have to pay the whole thing (including her part and your part), that could be cheaper than getting your own.

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lucy 3 months ago

There are several questions you need to answer. You state that you had an accident and the vehicle is totaled, thus do you have (your) own vehicle or not?
Now (if) you own another car or bought another when the other vehicle is totaled, then NO, you cant be added to your mom's policy, since insurance follows the car, thus IF you are a owner of a car, then the policy must be in the name of the owner, which is you.
But say that mom has 2 cars that (she) owns and you live with her, then you need to be added to both policies, 1 as the secondary, (her car she drives to work) and the 2nd that you will be the primary driver, thus it will be expensive, but not as expensive as the owner of the car.
If you don't live with mom, then cant be listed on either.
In summary:
Insurance policies are in the name of the owner.
All residents of a household must be listed on (each) car at the residence, since all residents of the household can have access to (any) car at (any) time. It is not that someone gives you permission or not, but it is expected that at some time may take 1 car, like if behind other cars to drive.
18 year old male, pricey. Having an accident, now a higher risk.

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g 3 months ago

Do you reside with your mother? If so, yes, in all likelihood insure cost will be lower if added to her existing policy.

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Ian 3 months ago

UK Answer: It will be cheaper for you to be a "named driver" on your mothers policy. However if you do have an accident, you will also risk her "no claims bonus". Do you have that in the US? It is a thing here and it means that safe drivers pay less insurance - their safety being judged by their ability not to make claims.

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God 3 months ago

If she is OK with it AND you are a responsible driver I would add yourself to the policy.

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DEBS 3 months ago

Talk to her agent to see how much it costs. Do the math and determine what is best. There is no magic answer other than math and your relationship with your mom.

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Steve D 3 months ago

In most cases, i tr is cheaper for you to add yourself and your car to your mother's policy. There may be exceptions depending on how your mother's company handles prior driving history. However, it cannot hurt to call your mother's company and get a quote and then call an agent that handles multiple insurance companies and seek out the best price on our own policy. All you will have wasted is a bit of time (just make sure you are comparing similar coverage - have the dec sheet handy so you can tell the agent what level coverage you are pricing).

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Judy 3 months ago

Going on hers better if she;l let you

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