Although there’s no rule that you must add children to your car insurance policy once they start driving, many parents find it to be a cost-effective option. The time eventually comes when they should get separate coverage. Auto insurers don’t specify the age at which children should be removed from their parent’s policy. Ultimately, the decision depends on each family’s situation. Here are a few scenarios that often warrant a child buying their own protection.

3 Reasons for Removing a Child From Your Car Insurance Policy

1. They’ve Moved Out 

Once your children move out, have them secure their own coverage. They can talk to an agent about bundling policies with homeowners or renters insurance for a lower rate. When they go off to college, they can stay on your policy so they have insurance when they come home on school breaks. 

2. They Purchase a Car in Their Name

The registered owner of a vehicle is responsible for having car insurance. If your child purchases a car, they should have coverage separate from yours when only their name is on the title. If you cosign their loan, you can have the car insured under your policy, but you may opt to do otherwise. 

3. Their Liability Risk Increases

If your child has speeding tickets or any at-fault accidents on their record, it will affect your premium. To reduce your liability risk and keep your rates from rising, have them get a policy of their own.

If you think it’s time to remove a child from your car insurance, contact the agents at Tim Bryan Insurance in Andalusia, AL. They’ll help you make the best decision for your family and ensure your child obtains high-quality protection. Their team has provided countless clients with reliable coverage solutions at affordable rates. Call (334) 222-1460 to set up an appointment or request a quote.