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Can I add my name to my grandfather's car insurance policy to lower my premium?

I'm a male college student, 21, who's living alone. I've been paying for my own car insurance for the last year, but it's expensive. My question is: Can I have my name added to my grandfather's insurance policy to lower my premium? We live in the same state but in different cities.

Answer
Unfortunately, you can’t add your name to your grandfather’s policy unless you live with him. Insurance companies look at the location where the car is kept and the specific city you live in to determine your premiums. Also, if the car is registered in your name, your grandfather can’t insure it. It would be best to stay on your own policy.
To lower your car insurance payments, try looking into a multi-policy discount, increasing your deductible, or taking any defensive driving courses available in your state.
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Savannah Grabek
Answered on Mar 12, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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