Can I get a separate car insurance policy in Nevada for my 17-year-old son?
I'm thinking of having one car insurance policy for my son with his own car, and a second policy for my husband and myself and our own car. Can we do this? And will this help us save money?
Generally speaking, getting a separate car insurance policy for your teen son isn’t going to save you money. If anything, it will likely cost you money.
Your son can expect to be charged much higher rates for his own insurance because of his young age and lack of driving experience; his lack of established credit; and his lack of continuous insurance coverage.
Furthermore, if he has his own policy, your son won’t have access to discounts for insuring multiple vehicles or multiple drivers, for example.
So having said all that, I highly recommend adding your son to your existing policy. This will raise your rates, but it will be cheaper than getting a standalone policy for your son.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
What happens if you're late on your car insurance payment?
I just missed a payment on my Camry. I will be paying it, but the payment is going to be late. What's going to happen?
Feb 25, 2021
Can I insure my vehicle if I move frequently for work?
I travel for work and will be moving every few weeks. I do have a permanent address, but won't have a set place where the vehicle is garaged. Is there a way for me to insure my vehicle?
Apr 21, 2021