Can my mom transfer her car insurance to me?
UPDATED: Oct 14, 2020
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i wanted to know if my mom can transfer her insurance under my name so I can get a new car then change it back to her name so I can be a listed driver in the insurance.”
Asked November 18, 2015
If you are trying to get cheaper insurance from getting put on you parent's car insurance then getting it transferred to your name is something you will probably have thought about. This sadly isn't possible. What all factors in here is where you live, how old you are, and who's name the car is in. You're basically going to get put onto her policy, not get her policy transferred or anything else. Most likely what you'll want to do in this situation is to get the title for the car you're buying put in both of your names by having her cosign for your loan or just listing her as an owner on the car's title. The other thing that will have to happen is that you will both be listed as drivers for the car.
The reason behind all of this is that the car insurance companies want to be able to see that you both have vested interest in the car not being wrecked. If you aren't both listed on the title or as drivers of the car you're not going to convince them that you all both care about it being wrecked.
Buying a car can be a pretty rough ordeal and the finding car insurance takes more time. Shop around before you make a decision on a particular insurance policy and if she'll be driving as well, including your mom on the insurance policy can possibly help to decrease the costs.
Answered November 19, 2015 by TreyFevaa