NJ Auto Insurance Question - Three Drivers - Three Different Cars - Two Policies.?

Question

I live with my parents who each drive their own car and both cars and drivers are listed on my dad's policy. I financed a car and have my own insurance with a different company (a bit cheaper than theirs) and im looking to change my insurance company. One of my parents recently had their license suspended and when i called to another insurance company to get a quote they told me they couldn't write the policy because of the other driver's suspension. If the car is in my name and no one else drives it but me because they each have their own car and their own insurance, why wont the insurance company write the policy for me?

Answer 1

Lately parenting forums have been buzzing with parents looking for ideas how to keep their teenagers from spending a lot of time on the computer and Internet. It seemsthat teenagersthese days are hooked on the computer just as they were hooked on watching television just a decade ago.  In my travels through cyberspace, I have noticed an increasing number of websites and blogs discussing<!--various forms of Insurance and registration related to cars... Yes, these days if we have a car there are lots of things that we should consider into account especially with the insurance thing. I understand what your problem is all about and I think the below website may solve your problem. You can almost find any information related to car insurance.

http://www.best-autoinsurance.we.bs/

Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging another vehicle with your own when you are at fault. This means that if you are in a vehicular-->accident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

Answer 2

For car insurance the most efficient way to get a very good rate is do a policy comparison on car policies. Make certain that you compare similar policies with the same deductibles, auto type, zip code, etc so that all things are a good comparison.



What I always recommend is an internet comparison quote at http://www.InsureAutoNow.info since they have discount insurers and will give multiple prices on auto insurance polices.

Answer 3

This happens because your parent is in your household and has ACCESS to your vehicle ((s)he does not need to have express permission to drive it because (s)he is a resident relative).  Because this person is a resident relative, your company would have to by law cover him or her & also you (as the owner) in the event he used your car & had an accident.

Drivers CANNOT be excluded in NJ, don't listen to anyone that tells you this.

Answer 4

You can have that driver excluded from your policy. All licensed drivers in a household are supposed to be listed on your policy. However some can be excluded and must not drive the car they are excluded from. Often this happens when parents have a fast/expensive car and teen drivers are at home. The teen can be exluded thus keeping the rates lower.