Multi-car discount

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 11, 2012

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Insurance Question from New Bedford, MA

Asked on 05/11/2012

Multi-car discount My son and I each own a vehicle and his is registered under his name and mine under my name. My son lives with me . can I include his vehicle on my policy for a multy-car dicount. someone told me no because of 2 different registratations. But both registered to the same address.

Answer given on May 12, 2012

Each insurance company handles the multi-car discount differently. You should talk to your agent, broker or insurance company to see if they will allow the discount. Since you are related and live at the same address, most insurance companies will allow you to have the multi-car discount. If your company will not let you have this discount, you might want to shop around with other insurance companies so you can get this discount, since it can be as much as a 20% discount.Sometimes the insurance companies do want both names on the registration. However, they usually do not ask to see the registration, so you may simply add each of you to the other’s policy and then the discount would definitely be allowed. If you decide you do not want to do this, then you will have to either work with your present company or find another insurance company.

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