Subject: Adding Parent to My Auto Insurance Policy from a Different Address in California
I currently have my own auto insurance policy through GEICO, and my mom’s insurance with another provider has significantly increased this year. I’d like to add her and her vehicle to my policy, as it could greatly reduce her rates. However, she resides at a different address in California.
Will GEICO or other insurance companies allow us to be insured under the same policy in this situation? Are there any potential issues I should be aware of?
Yes, auto insurance companies like GEICO generally allow you to add family members to your policy, even if they live at a different address. However, there are some important factors to consider:
Residency and Primary Use: Insurance companies typically prefer that all drivers listed on a policy are residents of the same household. Since your mom lives at a different address, this might complicate things. You should check with GEICO to see how they handle this situation.
Different Addresses: When you add your mom to your policy, you’ll need to provide her address. The insurer will assess the risk associated with insuring someone who lives separately from you, which may impact the premium.
Cost Savings: If her rates would indeed go down by joining your policy, it’s worth discussing this explicitly with GEICO. They may have specific policies or options for households where family members live apart.
Disclosure: Always disclose accurate information about all drivers and vehicles to avoid any potential issues with claims or coverage down the road.
It’s best to contact GEICO directly to discuss your specific situation. They can provide you with the most accurate information and guidance on how to proceed.