Teen car insurance policy

Reader question:

If I get a teen car insurance policy, can I get it in my mom’s name?

Grace

Usually you can, Grace.

I know what you’re probably thinking. How do I get a teen car insurance policy without having to pay out most of my paycheck to it? This is a dilemma that many young people run into when it comes to car insurance, considering that at the time of their life when they have to pay the most for it, they are most likely to also be earning much less money then they would later when it’s cheaper. It hurts, but it’s a fact of life. Now, the only way that you can get on your mom’s car insurance policy are if either you live in the same house as her, or if you are named on the insurance policy.

If you live with your mother, than you are covered as a member of her household. Most car insurance companies, probably all, will cover anyone who is part of the policy holders household even if they do not have their name listed on the car insurance policy. The only person that usually can’t get it this way is the spouse, and the only way you can override having to list a spouse is if you have the proof of some sort of legal divorce or separation document.

If you don’t live with your mother, then you are not considered part of her household, so you have to be a named driver on the car insurance policy in order for you to be covered. It is possible to drive your mother’s car without being named, but only if you’re borrowing it, not if it is your main form of transportation. Leaving your name off of the policy while you live away from home and use one of the policy holder’s vehicles as your primary transportation would be considered misrepresentation.

Cheers,

Fashun Guadarrama.