My son is moving out soon, and I have a question about auto insurance. He’s 20 years old and will be leaving for USAF Bootcamp in two weeks. Currently, he’s included on my auto insurance, which is quite costly. Since he won’t be taking a car with him to the Air Force, I’m considering removing him from my policy once he moves out. Are there any potential consequences or things I should consider before doing this?
Son moving out, auto insurance question. Can I take him off my auto insurance.
Taking your son off your auto insurance when he moves out for boot camp is a valid consideration, especially if he won’t be driving a car while he’s away. Here are a few things to think about:
Coverage while in Bootcamp: Verify if your policy requires him to remain on your insurance for any coverage purposes. Generally, he wouldn’t need coverage if he’s not driving.
Potential Discounts: Check if your insurance company offers any discounts for military members or for having a son in the military. Sometimes, retaining him on your policy might actually save you money if you qualify for those discounts.
Car Ownership: If he plans to purchase a vehicle once he’s out of boot camp, he may need to get his own insurance in the future. It’s worth discussing this with him to understand his plans.
State Regulations: Review your state’s insurance laws, as they may have specific requirements regarding coverage for dependents.
Insurance Provider’s Policy: Contact your insurance provider for their policy on removing a driver. They can provide detailed guidance and any implications that may arise from taking him off your policy.
Accident History: If your son has been in any accidents or has a history that impacts your rates, removing him could actually lower your premium.
In general, if he’s not going to be driving, it’s reasonable to remove him from your policy. Just make sure to communicate this with him and understand how it might impact him in the future.