Subject: Inquiry About Insuring a Vehicle with Allstate
Hello,
I’m hoping an Allstate agent or agency owner can help me with a question. I have my vehicles insured through Allstate, and I allow my daughter to drive one of them. However, she resides at a different address and is insured as a driver on her mother’s policy. While the car is currently registered at my address, its primary garaging address will be her mother’s.
What’s the best way to properly insure the vehicle, given that I am the owner? Thank you for your assistance!
It’s great that you’re reaching out for clarification on this matter! When it comes to insuring a vehicle that is owned by one person but primarily driven by another at a different address, there are a few key things to consider.
Primary Garaging Address: Insurance companies generally require that the vehicle is insured at its primary garaging address, which in your case would be your daughter’s mother’s address since that’s where the car will be primarily located and used.
Named Driver on Policy: Since your daughter is already listed as a driver on her mother’s insurance policy, that coverage may extend to her use of the car as well, provided she is driving it from that primary address.
Consult Your Allstate Agent: The best course of action would be to contact your Allstate agent directly. Explain your situation and they’ll be able to provide specific guidance on how to best structure the insurance to ensure all parties are adequately covered.
Potential Policy Changes: Depending on your agent’s advice, you may need to adjust your policy or add your daughter as a listed driver on your policy if needed, but they can walk you through the specifics based on your circumstances.
Ensuring that both locations and drivers are properly covered is important, so definitely get in touch with your agent for tailored advice!