I want to drop two of my kids off of my policy and add on a new
one. The two don't live with me anymore or drive my insured cars on
a regular basis. Will my insurance company let me drop the
kids off my policy but let me give them permission to drive my cars
if they come to visit?
If two of your children are grown and have moved out of your home,
then you should be able to remove them from your car insurance
policy. Insurance companies normally require that you list on
your policy only drivers who live in your household -- or drive
your insured vehicles on a frequent basis.
Once your children become adults and no longer live with you,
then you shouldn't be required to insure them on your auto
policy. If they come home to visit and use your car from time
to time, then they would typically be looked at as just another
of your vehicle. With most policies, this means they would be
covered without being specifically listed on your policy.
Who can drive your car?
from your car insurance policy could save you money, since younger
drivers tend to cost more to insure due to their immaturity behind
the wheel and lack of experience. But it can also be
hard with some car insurance companies to get a child off your
Depending upon your insurance company's rules, it may require
proof that the child has moved out. If you request that two
of your children be dropped from your auto insurance policy, it's
likely that your insurer will ask you to provide proof of each
child's new permanent address and/or information (or even a copy
of) each child's own car insurance policy.
Your insurance company isn't trying to be nosy, just protecting
itself. It doesn't want to be exposed to any risks from
drivers that your insurer was led to believe no longer lived in
By verifying that these children are no longer living with you
and have their own car insurance coverage, the insurance company
will feel comfortable dropping them from your policy.
After these children are off your policy, your rates will no
longer reflect them as drivers and thus you may see a reduction in
premiums. If you have another child who is being licensed and
added to your policy at the same time, then your premiums may stay
the same or even go up. (See "
What a teenager does to your car insurance
Confirm with your car insurance company that your policy extends
to permissive users, such as a child who has moved away. Some
policies only cover named drivers, and if that is the case then
your children, neighbors or other relatives that would like to
borrow your car could not since they wouldn't have insurance
coverage on them. (See "7 gotchas of cheap car
When you make any changes to your car insurance policy, such as
adding or removing drivers, it's a great time to comparison shop
and make sure you're getting the cheapest car insurance rates
possible. By comparing quotes with several auto insurance
providers, you can save hundreds, if not much, much more.
(See "3 ways to save big on car insurance")