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How can I find out if my son's car has insurance?

Is there a way to make sure my son has insurance on his car? I gave him the car as a present, but he isn't the most responsible kid. I want to make sure that he is covered and I don't want him to know I am spying.

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Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It is good that you want to make sure that your son is safe, but it may be hard to find out if he is insured unless you ask him directly.
There are some ways to verify if a car has insurance, however, they are usually reserved for situations when there is an accident. One option you have is to contact his local DMV. Bring your ID, the VIN, and license plate number of your son’s car and explain the situation.
Drivers have a legal right to privacy, so depending on your DMV, they may or may not release the information to you.
Another option is to do a motor insurance database search online. There are several databases available where you only need to enter the VIN of the car and the current insurance company’s information will pop up.
Keep in mind that they are not always accurate. If his information doesn’t appear, it doesn’t necessarily mean that he doesn’t have
car insurance
.
Honesty is the best policy! Talk to your son and ask if he is insured. You can also offer to help him find a way to lower the rate of his policy. As his parent, you, of course, want to help him save money. He’s also more likely to accept the help.
To easily help your son save money on car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance.
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