Car insurance

car Insurance?

by hirby

Yes, she needs to add you to her insurance. This is because you are rated as a higher risk than she is, so the rates are set for her and they don’t want a higher risk driver with lower risk rates. When my son lived with me and he was underage, I had to add him to my ins even if he did not drive my car, because he might drive it. The only way to not increase my rates was to not allow him to get a drivers license. I don’t know what it would cost, depends on you company and state. All insurance companies offer coverage for minors.

For California, If you reside within the household, most companies require the policy holder to disclose all occupants 14 and over to be either listed as a driver on the policy or specifically EXCLUDED off the policy. If you do not reside within the household and the vehicle is not furnished for your regular or everyday use and your mother has a "permissive use" policy, occasional use drivers outside the household may be covered up to the limits and provisions specified within her policy contract. Do not assume anything. You should not drive her vehicle until you have verified and/or have written confirmation from her insurance company, that you are a covered driver on her policy.

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