How do I change the policy holder name for my car insurance policy?

I will no longer need to drive my car and want to give it to my grandson. How can I change the policy holder name on my car insurance?

Answer
It is wonderful that you are giving your car to your grandson! Unfortunately, you can’t switch the car insurance policy from your name to his, but you can help him set up an insurance policy under his name.
Car insurance is a legal contract between you and the insurance company. Your grandson will have different characteristics regarding driving history, credit, experience, etc., so a new contract would need to be issued.
Most insurance policies do allow for permissive use. This means if you give your grandson permission to use the vehicle, he will be considered a covered driver. This is only appropriate for short-term use.
Here are the steps to follow so that your grandson is properly insured on his new car:
  • Get insurance quotes and start a policy under his name
  • Sign the title of the car over to him
  • Have him bring all of the vehicle ownership paperwork and his insurance ID card to the DMV and register the car under his own name
  • He will be issued a new license plate and registration.
Once your grandson completes these steps, you can cancel your insurance policy.
One way to make this transition as seamless as possible is by downloading Jerry’s free insurance comparison app. Jerry shops insurance policies from over 50 insurance providers and delivers the results straight to your phone. The best part? Your grandson would be able to print ID cards right after he purchases the policy.
Grace Cho
Answered on Nov 10, 2021
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