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Can you stay on your parents’ insurance when you move out?

As a younger driver, it’s usually cheaper to stay on your parents’ auto insurance in Lubbock, Texas. However, you can only remain on their policy under certain conditions. For instance, you will be removed from their policy when you move out of your parents’ home. If you are planning on moving out soon, here’s what you need to know in regard to your car coverage.

Why do I get removed?

Car insurance policies are sold per household, which means that every eligible driver under the policyholder’s roof can receive coverage. Once you move away from home, you are no longer a member of the household. Naturally, this means that coverage can no longer be extended to you.

Are there exceptions to this rule?

If you are considered a dependent, you can remain on your parents’ car insurance even when you are living away from home. While every insurer has their own definition of a dependent, you are normally considered a dependent if you attend college and live at home part-time (like during academic breaks) or if you are driving a car that your parents’ own and insure.

What if I pretend to live at home?

While it’s true that your insurer won’t know you’ve moved out unless you tell them, pretending to live at home is very risky. If you were to get in an accident and your insurer discovered that you were living at a different address, they would have the right to deny coverage or even cancel the policy altogether. As this would negatively affect your parents’ reputation with insurers as well as your own, it’s always safer to simply secure your own car insurance when you move out.

This is what you need to know about losing your parent’s car insurance coverage upon moving out. Do you have additional questions regarding your auto insurance in Lubbock, Texas? If so, do not hesitate to contact us at Promised Land Insurance Group. We are ready to assist you with all your coverage needs today.

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