A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years Leslie Kasperowicz

UPDATED: Apr 29, 2022

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Important facts to know...

  • When you are looking to get insurance for your vehicle, joining your parent’s policy may be a potential option
  • It’s important to remember that there are some factors that may influence the policy
  • Before joining someone else’s policy, it’s important to discuss who is responsible for which portions of the premium
  • Take your insurance history and driving record, as well as your dad’s, into account before joining
  • If you have questions about how insuring your car under your parent’s name will work, you should contact the insurance carrier together

Purchasing insurance coverage for multiple vehicles under one policy is nothing new. A lot of customers take advantage of the benefits that come with sharing a policy. However, each insurance provider has different rules and stipulations that go along with multi-vehicle policies, some of which may not work for your needs. So a word of caution – search around for the best fit before you settle on one. You don’t want to jump into the first option because it may not be the cheapest, and it may not afford you the coverage you need.

Before joining your dad’s insurance policy or insuring your car under him, it’s important to consider several factors, including the following:

  • how the payments will be handled
  • your previous history
  • his previous history
  • and your household situation

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How old are you and do you currently live with your dad?

One of the biggest factors that insurance providers look at when deciding insurance premiums and policy terms is the members of the household and their age. Most businesses have to take age into consideration, and the same can be said with most insurance companies.

This normally includes anyone in the home that is of legal age to drive and is legally approved to drive. This also means that your provider may list anyone in the home that qualifies as an additional driver on any policy they are not a primary driver for.

For example, if you live in a three car home with your mother and father, then you and your mom may have to be listed as additional drivers on your dad’s car.

This also means that you and your dad would probably be additional drivers on your mom’s car. If you were looking to save money by insuring your car under your dad’s name, however, then you may not save as much as you had hoped.

Since there are three cars in the home, his insurance carrier is likely to assume that you use one vehicle as a primary driver, and will often list you as additional on both your parents’ vehicles.

By having multiple drivers listed on each policy, potentially with different ages, experience levels, and driving records, the premium amount may be much higher than originally anticipated.

It’s important to remember that your age can have just as big of an impact on your policy as your housing situation.

Younger drivers often have less experience and are more prone to being in an accident, so your provider is going to exercise strong caution when it comes to you being on the policy. Due to this, your dad’s insurance carrier could raise your premiums to compensate for the anticipated claims.

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What is on your previous driving record and insurance history?

Another big thing to consider is the following:

  • your previous driving record
  • your insurance history
  • your history of claims

Businesses do their homework – they’re going to know your history. These are all pieces of information that any insurance carrier is likely to review when deciding on premium amounts and coverage limits.

Poor driving records, a spotty insurance history, or a high number of claims can be indicators to your dad’s insurance provider that adding you may involve taking on additional risk.

Additionally, combining two or more individuals means there are multiple driving records and insurance histories to look at.

For instance, if you have a history of frequent claims and your dad has a poor driving record, his carrier may decide that insuring the two of you together is not in their best interest. If that seems harsh, take into consideration that most associations are out to make money, even if it’s for something that protects you in times of an accident. Your provider thinks the same way, and if you’re a high-risk family, they’re going to re-evaluate how to insure you.

They may decide to provide coverage, but it could be at a substantially increased premium cost. Some carriers may even remove portions of coverage that have too many claims filed — normally including:

Before insuring your car under your dad or joining his policy, it’s important to discuss your previous history honestly with him. He should be up front with you as well, as his decisions can have just as big of an impact on you as yours may have on him.

If his current carrier is unwilling to provide coverage, then you may need to look at selecting a different insurance carrier to meet your needs. Look for companies that are willing to work with a multitude of drivers, but also ensure they have good ratings. You want to be protected, but only by a company who will actually insure you and not just take your money.

Who is going to be paying the insurance premium and managing the policy?

Although this does not directly affect you insuring your car under your dad’s name, deciding who is paying for the coverage can be an important discussion.

Before you join your dad’s policy or insure your car under him, make sure to have an open discussion about how the insurance policy will be managed, which policy options will be chosen, and how the premium payments will be handled.

There are a few things to consider before starting or joining a policy, including who is in charge of managing the policy.

This means that there will be a primary policyholder, sometimes called a named insured, who the insurance company will address correspondence to and who will be primarily responsible for changes.

Some providers may allow more than one named insured, so you could potentially be added along with your dad.

Also, selecting policy options is an important discussion point. When you have your policy, you may not need to think about another car’s needs, but your coverage needs could vary from your dads.

For instance, if your vehicle is ten years old, you may not carry comprehensive or collision coverage on it. However, your dad’s vehicle may only be one or two years old, which means it may need to have more coverage options and higher limits of coverage.

What can be said in conclusion?

Choosing to insure your car under your dad’s name may be a good decision, but it will depend on several factors.

The insurance history and driving records of all drivers on the policy can often be one of the biggest influencing factors, but your age and your housing situation may also influence the policy changes.

When looking at insurance coverage under your dad, his current provider may not be able to meet your needs. If this is the case, you may want to consider another insurance carrier to provide you with coverage.

Every carrier offers different coverage options and has different guidelines, so make sure to shop around for the best policy terms at a great price.

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