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How do you insure a car you don't own?
My mother owns her car but is moving in with us to save some money. How can I insure her car even if I don’t own it?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It sounds like your mother is moving in for a good economic choice. It’s nice that you want to help her out with
car insurance
.For the most part, insurance is purchased by the same person who owns the car. Insurance companies want to see that you have a vested interest in protecting the vehicle, and wanting to insure a car that isn’t yours is a common tactic in insurance fraud. In this case, you’re helping your mother out, so you have a clear interest in protecting her and the car.
There are some straightforward ways to insure the car, however. Since your mother is moving in with you, you can add her to your policy as an additional interest. This shouldn’t raise your rates too much.
If she owns the vehicle outright, you may be able to add your name to the title. While this requires some paperwork, it’s another way to prove a vested interest in the car.
To help you find the right policy at the best rates, shop with
Jerry
. Jerry will present you rates from over 50 providers in a matter of minutes. Once you make your choice, Jerry will take care of all the paperwork for you! View full answer
- Gregory R.
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