972-529-9300 | [email protected]
Gant Insurance Gant Insurance
  • Home
  • Personal
    • Auto
    • Homeowners
    • Umbrella
    • Motorcycle
    • Personal Quote
  • Business
    • Commercial Auto
    • General Liability
    • Commercial Property
    • Business Owners
  • Life
  • Health
  • Carriers & Claims
  • Become An Agent
  • About Us
  • Blog
  • Contact Us
    • Write A Review
Gant Insurance Gant Insurance
  • Home
  • Personal
    • Auto
    • Homeowners
    • Umbrella
    • Motorcycle
    • Personal Quote
  • Business
    • Commercial Auto
    • General Liability
    • Commercial Property
    • Business Owners
  • Life
  • Health
  • Carriers & Claims
  • Become An Agent
  • About Us
  • Blog
  • Contact Us
    • Write A Review
Mar 19
teen driver putting on seatbelt

Can Kids Stay on Their Parents’ Auto Insurance Indefinitely?

  • March 19, 2020
  • Archives, auto insurance, Blog, Personal Insurance

When do kids need their own auto policies?

Unlike health insurance, which has an age cap of 26, there is no age cap for auto insurance.  This means that children can remain covered under their parents’ car insurance policy for as long as they want—so long as they meet certain criteria.  Here’s what you need to know about insuring your children on your auto policy.

  • Residency Requirements

Where your child lives is the most important factor for auto insurance companies.  Usually, car insurers will allow parents and children to remain on the same policy as long as they all reside at the same address.  This means that many insurance companies will let children stay on their parents’ policy as long as they still live at home.

  • Residency Exceptions

The residency rule does not apply to children of divorced parents.  If the parents are living separately, then the child can remain on one parent’s policy, even if they are only living with them part-time.  The other exception to the residency requirement is college students.  If your child is moving away to attend college, then in most cases, they can still be covered under your auto insurance policy.  This is because they likely still live at home for a portion of the year and still consider their parents’ home their primary address.

  • Losing Coverage

There are several conditions that can make a child ineligible for auto insurance coverage under their parents’ policy.  For instance, if the child moves out, achieves financial independence (this definition differs depending on the insurer), buys their own home, or gets married, then they are no longer eligible for auto coverage through their parents.

This is what you need to know about children being covered under their parents’ auto insurance policy.  Do you need help securing your own car insurance?  If so, then contact the experts at Gant Insurance Agency.  Our dedicated team is eager to assist you with all your coverage needs today.

  • Facebook
  • Twitter
  • Tumblr
  • Pinterest
  • Google+
  • LinkedIn
  • E-Mail

Related Posts

    Comments are closed.

    Enter your email address:

    Recent Posts

    • 6 Reasons to Purchase a Short-Term Health Insurance Plan
    • Why Do You Need a Motorcycle Safety Course This Summer?
    • Best Ways to Stay Financially Fit This Summer

    Archives

    Categories

    Contact Us Tap To Call

    GANT INSURANCE

    The Gant Insurance Agency, Inc is a family owned Texas Insurance agency located in the heart of McKinney, Texas. Since 1987, the Gant family has provided affordable insurance products to North Texas.

    Learn More

    Contact Info

    2411 Virginia Pkwy #5 McKinney, TX 75071 Phone: 972-529-9300 Fax: 972-529-9319 E-Mail: [email protected]

    WRITE A REVIEW

    Recent Posts

    • 6 Reasons to Purchase a Short-Term Health Insurance Plan
    • Why Do You Need a Motorcycle Safety Course This Summer?
    • Best Ways to Stay Financially Fit This Summer

    Search Gant

    Gant Insurance © 2022 All Rights Reserved | Insurance Marketing Powered By Stratosphere