Does your son have to be covered on all vehicles if he will never drive them?

Answer

First realize that the insurance regulations are different from state to state and from company to company. We live in Texas outside of Houston and have two teenagers in the home and we have Allstate. In our policy our eldest has her own car and we asked that she be rated as the principle driver of that vehicle. For the other vehicles we designate a principle driver as well, car for my wife to and from work, car for me to and from work, truck for pleasure, etc. This designation will reduce the rate to some degree. HOwever, you always have the option to specifically exclude a driver from a vehicle (at least Allstate does) but that is noted on the decleration section of the policy as well as the card that you keep in your vehicle. If you son is stopped or has an accident in a vehicle from which he was excluded the insurance company will not cover him. He will also be cited for driving with out liablity coverage which can be tremendously expensive. Since we couldn't say that our eldest would NEVER need to drive one of ours, we just chose the 'principle driver' route. The youngest of driving age hasn't proved responsible enough for a DL yet... so she's not a problem... yet.

Hope this helps but the best place to answer this question is your Insurance agent. If you current insurance company won't give you the rate you are looking for ... shop around... you might find a better deal for all of your coverage!

First answer by Wrkey. Last edit by Wrkey. Contributor trust: 122 [recommend contributor]. Question popularity: 26 [recommend question]