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

Answered by Home Insurance, Car Insurance Expert Savannah on February 22, 2021

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.

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Home Insurance, Car Insurance Expert

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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