Auto Insurance Assistance Needed
I live in California, and I’m seeking advice regarding auto insurance. My dad, who is 85 years old, hasn’t driven in the past three years. He is the policyholder for both my parents’ car and my car. Can I remove him from both policies since he no longer drives? My parents and I all live in the same apartment. Would this change likely lower our insurance rates? Also, will I need to obtain a new policy since he is currently listed as the policyholder for both vehicles? Thanks for your help!
It’s great that you’re looking into your auto insurance options! Here are some points to consider regarding removing your dad from the policies:
Removing Your Dad as Policyholder: Yes, you can typically remove him as a policyholder from both policies. Since he hasn’t driven in the past three years, it might make sense to have him removed, especially if he won’t be using the vehicles.
Impact on Premiums: It’s possible that removing him could reduce your insurance premiums. Premiums are influenced by several factors, including the driving history and age of all drivers on the policy. Removing an older driver who hasn’t driven for a while could lead to savings, but it’s best to check with your insurance company for specific details.
Setting Up New Policies: You may not necessarily need to get new policies. If you are the primary driver of your car and want to ensure both vehicles are covered under your name, you can typically update the existing policies without creating new ones. However, it’s important to discuss this with your insurance provider to ensure all necessary changes are made and to understand the implications.
Additional Considerations: When making changes to your policies, it might be a good opportunity to shop around and see if you can find better rates or coverage options.
I recommend reaching out to your insurance company for guidance on how to proceed with the changes and to get a quote based on the updated policy structure. Good luck!