Recommend Auto Insurance?

[upthesaukee]

Originally Posted by shifthappens

I am doing a price comparison with what I have with my current insurance and all is covered including car rental and roadside. One of the problems I'm having so far is that even though my son is not driving my car, the fact that he is here in my household several quotes insist he has to be on the policy because he has a drivers license (out of state). That jacks up the rate big time. If I hadn't told the agent that he was here there would be a much better rate that is comparable or less than what I have.

Does your son have his own vehicle with his own insurance? If the answer is yes, you only have to provide your carrier with his insurance policy number (and maybe a copy of his policy or insurance card). If he doesn't have his own policy or if he is not listed as the principal operator on another policy, he will be required to be listed on your policy because hee is a member of the household. It is, unfortunately, the case with virtually any insurance policy / company, and you can expect it to be on the highest rated policy. And it doesn't matter if his driver's license is from out of state.

Dave



Sent from my SM-T580 using Winnipesaukee Forum mobile app

[Doobs41378]

Originally Posted by upthesaukee

Does your son have his own vehicle with his own insurance? If the answer is yes, you only have to provide your carrier with his insurance policy number (and maybe a copy of his policy or insurance card). If he doesn't have his own policy or if he is not listed as the principal operator on another policy, he will be required to be listed on your policy because hee is a member of the household. It is, unfortunately, the case with virtually any insurance policy / company, and you can expect it to be on the highest rated policy. And it doesn't matter if his driver's license is from out of state.

Dave

This is correct info. How old is your son?

[shifthappens]

Originally Posted by Doobs41378

This is correct info. How old is your son?

He is 18..

[Doobs41378]

Yeah then he would still be an occasional youthful operator on your vehicle if he does not have one of his own. Keep in mind, here in NH you must carry uninsured motorist coverage as insurance is not the law. Did you have that on your policy in CA?

[shifthappens]

Originally Posted by Doobs41378

Yeah then he would still be an occasional youthful operator on your vehicle if he does not have one of his own. Keep in mind, here in NH you must carry uninsured motorist coverage as insurance is not the law. Did you have that on your policy in CA?

Yes. I'm going to let my current insurance run out in February and then sign on with USAA as a few suggested. By then I can get a great rate and more coverage that Ameriprise and my son will be off to college.