How Long Can You Stay on Your Parents Car Insurance?

A common question to ask yourself when purchasing car insurance is, how long can you stay on your parents' car insurance policy? The answer to this question is quite different than you might think.

If you are a first time motorist then you would need to know the exact age of your parents insurance policy. You will also need to know whether or not your parents have been in an accident within the last five years. This information may be easily found by calling up your parents phone book.

If your parents were driving a car that has a safety system installed, you might need to check to see if your parents insurance company has had to pay out any money due for the use of the system. Some insurance companies may pay out such claims if your parent has had no claims made against them within the last five years. You should also check the make and model of your parents vehicle and see if it falls within the range of cars that the insurance company has to pay out for.

In some cases your parents car insurance will allow you to drive the vehicle while the policy is being renewed. However, some insurers will not allow this because your parents may not have had the same driving habits which they have today. If they have had accidents in the past then this could mean that they have more accidents now than before they purchased their current policy. If they have not been involved in an accident in the last five years then you should ask your parents about their policy.

If your parents are driving a vehicle that does not have a safety system fitted then you may want to find out if they have just renewed their new policy. Sometimes  subaru wrx insurance cost  is cheaper to renew your current policy as many insurers will offer you cheaper rates if you have taken out a new one. If they have renewed their policy then you can then renew yours too.

When you go to renew your parents car insurance you will probably be asked to provide a list of details about you and your parents car. If you have made changes to the car since you purchased it, you will need to tell the insurer about these changes. This is because the insurer will need to know about any modifications that you have made to your vehicle. If you have made changes then you will need to tell the insurer when you are making the changes.

You will probably be asked to provide information about your parents when you are getting your car checked out by the insurance company. This is because if you are under the age of 25 years and if your parents are over 25 years then you will be covered by the same insurance company. In this case the insurer will check the car for any mechanical faults that could have been made.

The insurance company will usually ask for a copy of the police report on you and your parent's car before they will give you your parents' car insurance. This is to ensure that you are able to drive a vehicle legally. It is also to make sure that the car that you drive meets the minimum insurance requirements.

Your parents insurance company will often require that you provide evidence of how many passengers you have inside the car when you are being checked up. This is to ensure that you are able to drive safely. Some drivers may not have enough people in the car with them at the time that they are being checked and may have to take another vehicle home.

There may also be restrictions as to how long can you stay on your parents' car insurance. If the car was made only to carry a certain number of people then you may not be able to have the car for longer than two years.

You should read the small print of your parents car insurance policy carefully before you take out a policy. You should make sure that all the requirements that they have stated are true.