How do I change the policyholder on car insurance?

My sister is giving me her car. She has insurance on it currently and said I could keep the same policy. How would I change her insurance to me as the policyholder?

Answer
How nice of your sister! A new (or new-to-you) car is definitely a great hand-me-down. While having car insurance on the car already is convenient, you need to get your own policy.
Car insurance rates depend on many different factors, but companies base most of them on your personal information. Depending on where you live and your driving record, your rate could be more or less expensive than what your sister is currently paying.
If you’d like to keep insurance with the same company, you’ll need to purchase a new policy with them. To do this, you’ll need to provide the provider with:
  • Your name
  • The VIN (vehicle identification number)
  • Your driver’s license number
  • Your address
  • Your Social Security number
With this information, the insurance company can calculate your rate for insuring the vehicle. Even if you like the rate they’re offering, consider shopping around.
Just as your insurance rate will vary from your sister’s, rates also vary between companies. By comparison shopping, you can ensure you’re getting the best rate for the coverage you require.
If you’re looking for an easy way to comparison shop, use Jerry. The Jerry app collects personalized quotes from up to 50 top insurance providers to always give you the best rate and coverage.
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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