PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why would a cell phone ticket cause my parents' insurance to drop me?
I was on my parents' car insurance policy. They told me that their car insurance policy is requiring them to drop me, so now I have to find my own insurance. Why did their insurance do this?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
Car insurance companies
look at a variety of factors when determining rates and maintaining current policies. If your parents are insured with a company that has strict underwriting guidelines, your ticket could violate their rules.Some car insurance companies require
clean driving records
for certain drivers. Since they dropped you, you’re likely considered too high of a risk for them to insure. If you have other accidents, tickets, or violations, you are a liability to the insurance company.An insurance company has a right to decide whether they will choose to insurance someone. While it can be frustrating to be dropped from an insurance policy, the best thing you can do is shop around.
You may not be able to find cheap car insurance based on your driving record, but you should still be able to find coverage. Use the
Jerry
app to compare quotes from dozens of providers to find the best rate, even if some companies refuse to insure you.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
