Reader’s Question:

Does my 19 year old son needs to get car insurance if she will drive my automobile? We live in Sioux Falls, South Dakota.

Craig

Sioux Falls, SD

Normally your son will be required to be listed on your car insurance policy if he lives in the same house so he will be properly insured. Auto insurance providers require that you list all licensed household members to the car insurance policy or you can exclude them to your policy. If you specifically exclude a driver in your car insurance policy, he will not get any coverage at all if they drive your vehicle.

I know if you add your teen to your car insurance policy in Sioux Falls, South Dakota it will greatly affect your car insurance rate since based on statistics young drivers have less experience when it comes to driver and is likely get involved in an accident. If your daughter just have a learners permit, you may contact your car insurance provider and see if they will require to add her to your policy or not.

Tags: auto insurance, car insurance rate, Student car insurance, teen insurance, Young driver car insurance

Reader’s Question:

You know, my mom and dad just broke up a couple of years ago. It’s quite sad but now I’m getting used to it. In fact, there are some good things that came out of it. My dad gave me a new car for my 21st birthday, and now my mom is offering to buy me auto insurance for it. Which auto insurance should I get in Allentown Pennsylvania PA?

Nathalie

Allentown PA

That’s a nice little set-up you have there, Nathalie. And it is also nice that you are able to look at the positive things brought about by your parents’ separation. As is evident, they still want the best for you. So, to answer your question, get the best kind of auto insurance there is! And that would be a full or comprehensive insurance.

There are many types of auto insurance in Allentown Pennsylvania PA and they differ in the offered coverage and price. Sometimes car owners opt for the cheapest package they can find because of financial reasons. They take the risk of going without a comprehensive insurance because they can not (perhaps at the moment) afford a more expensive insurance. That doesn’t seem to be the case with you since I am sure that your mother wants full coverage for your car and you.

Let us quickly go through the types of coverage you can have. Let’s say you forgot to step on the brakes and you hit a car on an intersection. Liability coverage will pay for the damages you have caused to the other car, including bodily injuries damage to the car itself. But it will not cover the costs to repair your car – this will be covered by collision coverage.

For other unfortunate events that can happen to your brand new car like a broken window, theft, a tree branch falling on top of it – those will not be covered by liability nor coverage insurance. You will need to get comprehensive insurance for this type.

Maybe you can ask your mom and dad what type of auto insurance they have and if they are satisfied with it. You can then solicit quotes online for the same type of auto insurance by entering your zip code on the space you see on this page. You can also ask your parents to recommend a trustworthy insurance company in Allentown Pennsylvania PA.

Have awesome fun with your new car, Nathalie!

Tags: auto insurance, car insurance quotes, Student car insurance, teen insurance, Young driver car insurance

Reader’s Question:

My son is a full time student currently residing on campus. He does not drive and he does not own vehicle. He is on our car insurance policy currently and I would like to know if we could remove him from our car insurance policy in Flint, Michigan and will be covered if occasionally drive our vehicle?

Jenny

Flint, MI

Generally, car insurance carriers will require you to list all licensed household members and that includes all children that are away at college or home that may drive your cars. Usually coverage is extended to those you have given permission to drive your car. However it does not cover a relative who drives your car that are not listed on your car insurance policy or specifically excluded on the auto insurance policy.

I suggest that you check with your current car insurance carrier in Flint, Michigan to know exactly the rules and guidelines in your specific situation. You may also read over your car insurance policy to verify if your son will still be covered if you take him off your car insurance policy.

Insurance carrier’s rules and guidelines differ. Some may look into mileage driven and some insurers do not. I believe it is possible that your son may be included as an occasional driver on your car insurance policy. Another option that you may do is to exclude him at the time that he is in school by showing proof that he is not residing with you. The insurance company would want to make sure that your son do not have access to your vehicles so may need to present proof that he does not live with you. So, verify with your car insurance company in Flint, Michigan to get the answers for your car insurance needs.

Tags: auto insurance, Student car insurance, teen insurance, Young driver car insurance