Auto Insurance Assistance Needed
I live in California. My dad is 85 years old and hasn’t driven in the last three years. He is the policyholder for both my parents’ car and my car. Can I remove him from both policies? We all live in the same apartment. Will this affect our insurance rates? Will I need to get new policies since he is currently listed as the policyholder on both? Any advice would be appreciated!
Yes, you can remove your dad from both insurance policies since he hasn’t been driving for the past three years. As long as he is not listed as a driver, you should be able to make this change without needing to get a new policy.
Removing him may lower your premium, as his age and the fact that he hasn’t been driving could be influencing your rates. However, the exact impact on your premium will depend on the insurance company’s policies and how they assess risk.
It’s a good idea to contact your insurance agent directly to discuss the changes and get a quote for the revised policies. They’ll help you understand how the removal will affect your coverage and rates.