My 25 year old daughter just graduated from college, I would like to keep her on my insurance policy. Mainly for financial reasons. However, she lives in the town she went to college in and not in my house, can I still keep her on my policy?
There?s no reason you can?t keep her on your policy, just as long as the insurance company knows that she has the car in another town and that your daughter is the primary driver. Now that she is out of school, she cannot be considered a resident at your home anymore.
Your rates are based in part on what town the car spends most of its time in and who drives it. If you fail to list the correct garage location and driver, you could end up with an uncovered claim, defeating the purpose of keeping her on your policy. I would check with your insurance company to see they have the correct location and driver, then get a quote on her with her own policy. At age 25, rates typically go down for drivers. By comparing quotes, you?ll know for sure you are still getting the best deal.
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