Q: Should I drop my 26-year-old daughter from my car insurance policy?
Apr 19, 2021

My 26-year-old daughter totaled one of my cars. Can I avoid a big premium increase by dropping her from my insurance? She's moving out, if that counts for anything,

Answer provided by
Carol Chung

“Dropping your daughter from your policy may help you avoid a big premium increase, but it depends on your insurer.

Even if you remove your daughter from your car insurance, some companies will still penalize you because the claim was made on your policy. With other companies, you’ll only be penalized if your daughter is still listed on your policy.

If you get hit with a big premium increase after removing your daughter, consider this a sign that you should start shopping around for more affordable coverage. “

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