To answer some important Auto Insurance questions
When Do My Kids Need Their Own Car Insurance Policy?
When Does Your Child Need Independent Auto Insurance Coverage?
How Long Can Children Stay on Their Parents' Auto Insurance?
A child going off to college may reside for the greater part of the year in a dorm, or a fraternity or sorority house, or share an apartment or house off-campus with other students. But your home is still your child’s permanent residence while he or she is attending college, and that qualifies your child to remain on your car insurance policy.
Benefits Of Having Your Child On Your Auto Insurance Policy
Putting your teen or young adult driver on your auto insurance policy is a wise move for several reasons:
-It ensures that he or she has legally required coverage.
-It protects your child and your property in case of a crash.
-It can save you money, as your provider will likely give you a discount for adding another driver to your policy.
-It gives you the ease of managing all your family’s auto insurance coverage in one policy
If you allow your child to drive any of your vehicles, he or she will need to be covered under your insurance. All residents of a household who are operating the same vehicle must be covered under a single auto insurance policy. As long as your child is a permanent resident of your household and you own the vehicle, in order to to legally drive it, he or she will need to be listed as a driver on your insurance policy for that vehicle.
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