Reader’s Question:

I live here in Miami Florida. I am currently covered unde rmy parents car insurane policy. I am now 19 years old and would like to know if it is possible to get my own car insurance policy. I still live in the same household though. Will the car insurance provider will require that I have to be on my parents car insurance policy if I will still be using my parents cars? Basically I just want to know if I can get my own car insurnce and I will only be using my own car. Is this possible?

Kelly

Miami Florida

 

Yes, you can buy your own car if you register a vehicle under your own name. Typically the car insurance provider will want you to list all of the household memebers. This is the case why car insurance companies would want your parents to list you as a household member too. Providing this information protects both you and the car insurance provider.

If you are still using your parents vehicles and also driving your own car, it is likely you all will have to listed on each other’s car insurance policies if that is the case. The best way to obtain an exact answer to your question is for you to speak with your parents car insurance company and the insurance company you are planning to buy insurance from. Keep in mind also that it is cheaper for you to stay on your parent’s policy than get your own policy. You can just pay them the portion of your payment instead of obtaining your own.

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