Can My Car Be Registered To My Parents and I Pay For Auto Insurance Policy?
Reader’s Question:
Can I have the title of the vehicle under my name and have the car insurance under my mother’s insurance policy in Covington, KY?
Thomas
Covington, KY
Insurance carriers in Covington, KY have different guidelines so you will have to know for sure if your father’s insurance would permit this type of set up for car insurance. One must have insurable interest in order to insure a car. If you want your mother to insure your vehicle, instead of yourself, then many insurance providers would not permit this since she does not have insurable interest in the car.
If you live in the same household as your mother and want to add the vehicle to her current insurance policy this may be permitted, again it will depend upon what her insurance carrier’s underwriting guidelines are. If instead you live outside of her household and thus the vehicle is garaged at a different address then it is unlikely that an insurance carrier would allow her to insure the vehicle under her insurance policy.
Teen Driver In Kentucky Get Speeding Ticket – Do Parents Have To Appear In Court?
Reader’s Question:
I live in Florence, Kentucky and got a speeding ticket for doing 55 in a 35. I am only seventeen, is it necessary to have my parents go with me to the court? How many points will be removed from my license?
Robert
Florence, KY
It is six points on your driver’s license for speeding 16 to 25 mph over the speed limit on any public highway or road. Receiving six points will likely get you a notification from the Division of Drivers Licensing and you may be requested to show up for an interview.
If you are required to appear to an interview, the Kentucky Transportation representatives will know if a State Traffic School program would benefit you as a motorist.
You will have to check with the clerk of the court’s office in Florence, Kentucky , or other entity listed on your citation ticket, to check if your parents need to show up with you at court. They will likely since you are seventeen and thus a minor.
Can I Use My Parents Out of State Auto Insurance in Kentucky?
Reader’s Question:
I currently live with my father in Ohio and have my vehicle insured under his insurance. In a few months I am moving to Kentucky where I will be going to college. Can I stay on my fathers insurance, as that is where my permanent residency is or do I have to obtain my own insurance?
Kathy
Lexington-Fayette, KY
This differ from insurance provider to insurance provider. Most insurance carrier will continue to insure you on your father’s policy if you will be attending school in the same state. Other companies will continue to insure you if you attend school in another state. Some insurance companies will not insure you if you will be attending school in another state. Your father should contact his insurance agent or insurance carrier to determine what their guidelines are.
Cheap Car Insurance For Kentucky College Students
Q: I go to school in Bowling Green, and I only work part time. I do have some student loan which helps me support myself, but too much goes to my car insurance, and I’m afraid of needing to get another loan before the end of the school year. Can I find a way to pay less money on my car insurance?
A: Since you have car insurance, you have to pay more than the rest of us, but this also means you have a greater impetus to search out the best car insurance discounts. Never settle with a company that doesn’t have any good discounts available for you.
One discount for your which you should encounter universally is a good student discount, which is or those college and high school students who manage to achieve grades of either a B average or a 3.5 GPA or above, depending on the standards of your car insurance company.
Another thing student related which may apply to you is a discount for people whose home owns are far away from the college–usually 100+ miles. If this is how it is with you and your home own, you can leave your car there and say on your parents’ insurance policy instead of paying so much for your policy.
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