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can i be on my parents car insurance if the car is in my name
Can I Be on My Parents Car Insurance If the Car is in My Name?
If you have a parent's car you are probably wondering, can I be on my parents auto insurance when the car is in my name. Many people worry about being on their own when they move out, but moving out also means getting your own car insurance. If you have made an arrangement with your parents to stay with them as long as you want, it makes sense to stay with them until you are done living at home.
While it may seem like a waste of money to purchase car insurance for your own parents, you would be surprised to find that it can save you thousands of dollars each year. When you are able to drive your own car, you will be paying less each month and making fewer claims. This could help you pay off your mortgage or lower your debt.
Car insurance is required by law in all states, even if you are not getting the car insured through the same provider. You must have this type of insurance in order to legally drive a car. If you are driving without insurance you will get a ticket every time you do and you will also risk being fined, so you really need this kind of coverage. When you are taking the car to your new house or apartment, you want it to be there and in good working order. If you have the car, it is important that you know where it is going to be, because if you leave it in someone else's care and they are not able to return it to the best of their ability, then you are not covered if anything should happen to it.
If you are concerned about the cost of insurance because of a high deductible, you can find a cheaper plan through an insurance company that has many providers to choose from. Even though a higher deductible is always a good idea when you are looking to protect yourself financially, the higher the deductible, the more expensive the premiums will be.
The reason that the deductible is so important to you when you are looking for auto insurance is because you want to make sure that your insurance company does not overpay on your claim, so that they will not end up paying out for a policy you never use. In order to ensure that your premium is low, you should ask for lower deductibles. than the policies that are offered by the other companies.
You should always ask your insurance company's rules on how they calculate the deductible. You should also ask for clarification on how to change the deductible if you need to. and how much of a percentage point you should take off. If you are unsure, then just ask your insurance agent to show you what they recommend so you know what to ask.
When you are moving out of your parents home and into your own house, you will probably be living with some family members who are still living in your parents' car. This could lead to having the car for several weeks while you are living with them. T here fore, you will need to ask your parents to give you permission to drive.
While car insurance divorce may sound like it is expensive to get your parents car insured if you are not using it, you may want to consider it because you may be unable to drive if you are going through a bad situation and your car needs repairs or is totaled. Since you do not have the policy on your own car, you are also not covered if anything should happen to it.
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