I bought my car out of state (Arkansas), and I live in California. My dad is the primary own, and I’m only the co-signer. I’m going to register the car in CA and get its insurance. Does my dad have to be on the insurance if he doesn’t drive the car? Should I add him just to see if it’d lower my rate? Geico is offering me $600/month premium but only as me on the insurance.
Should my dad be on my insurance?
byu/Important_Plenty981 inInsurance
Posted by Important_Plenty981
2 Comments
Lot of missing details.
What do you mean by “primary” and “co-signer”? Look at your purchase contract before you answer that question.
Whose name or names will be on the title?
You live in CA and the car is for your use. Where does your Dad live? With you? Elsewhere?
Will your Dad be using the car?
Any type of finagling to get a lower rate could be insurance fraud.
This is going depend on the company. Many will only do the insurance under the vehicle owner.
https://www.dmv.ca.gov/portal/how-to-9-register-a-vehicle-from-out-of-state-nonresident-vehicle/
You also may have trouble registering since the owner has to sign all the forms.
You also need to get a smog check.