Huge Question about car insurance!!

Discussion in 'Community Discussion' started by halfprep455, Jan 1, 2008.

  1. halfprep455 macrumors regular

    halfprep455

    Joined:
    Feb 17, 2007
    Location:
    Maryland USA
    #1
    Can my parents insure my car that is titled and registered in my name? I'm a full time college student and of course cant really afford insurance.
     
  2. WildCowboy Administrator/Editor

    WildCowboy

    Staff Member

    Joined:
    Jan 20, 2005
    #2
    At the very least, they can give you money to pay for the insurance.
     
  3. halfprep455 thread starter macrumors regular

    halfprep455

    Joined:
    Feb 17, 2007
    Location:
    Maryland USA
    #3
    They pretty much told me that if the insurance company wont cover it that I will have to title the car under their name which I really do not want to do. BTW I have USAA.
     
  4. Naimfan macrumors 68040

    Naimfan

    Joined:
    Jan 15, 2003
    #4
    Well, as a USAA member I'd suggest calling them and asking....
     
  5. ReanimationLP macrumors 68030

    ReanimationLP

    Joined:
    Jan 8, 2005
    Location:
    On the moon.
    #5
    The insurance that I had (Progressive) allowed this. The car was titled and registered under me, but my mom was the one driving it.

    Then the cars water pump went boom, and now it sits. F***.
     
  6. r1ch4rd macrumors 6502a

    r1ch4rd

    Joined:
    Aug 5, 2005
    Location:
    Manchester UK
    #6
    You might want to check how it will affect your no-claims discount in the future (I assume that you have that sort of thing in the US).
     
  7. r.j.s Moderator emeritus

    r.j.s

    Joined:
    Mar 7, 2007
    Location:
    Texas
    #7
    With USAA they should be able to add the car on their policy and list you as the primary driver. It should be really easy and the insurance card should have all your names on it.
     
  8. GoCubsGo macrumors Nehalem

    GoCubsGo

    Joined:
    Feb 19, 2005
    #8
    That is correct. You can be added to their policy and be listed as primary. They will also be covered to drive it. I did this before I turned 21 with State Farm and Farmer's.
     
  9. yg17 macrumors G5

    yg17

    Joined:
    Aug 1, 2004
    Location:
    St. Louis, MO
    #9
    I just bought a new car and AAA said that one of my parents had to be on the title with me to add it to their policy. Which was fine, since my dad had to cosign the loan, he was on there anyways
     
  10. dmr727 macrumors G3

    dmr727

    Joined:
    Dec 29, 2007
    Location:
    Southern California
    #10
    Waaaay back during my college days (heh!) I was on my parents' insurance even though it was my name on the title. This was with State Farm. Of course, things could have changed.
     
  11. notjustjay macrumors 603

    notjustjay

    Joined:
    Sep 19, 2003
    Location:
    Canada, eh?
    #11
    This is what my dad did when he and I bought a car a few years ago. It was his car, but to take advantage of a $1000 new grad rebate, we put my name as the first name on the title. So legally it was my car, but he paid for it and for the insurance.

    It was a lot cheaper, too, as I was a secondary driver and he was already established with the company. When I bought my own car and had my own policy established (and removed my name from his policy) my premiums were at least twice as much as what he paid for me.
     
  12. r.j.s Moderator emeritus

    r.j.s

    Joined:
    Mar 7, 2007
    Location:
    Texas
    #12
    I dont think USAA cares who's name is on the title/registration, if you want them to insure that car/driver they'll do it.

    But, I can't check, both my cars are in my name.
     

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