what do i pay for when i pay my car insurance. the car and driver or just per cat?

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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: Jun 30, 2016

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Insurance Question from Aurora, CO

Asked on 06/30/2016

what do i pay for when i pay my car insurance. the car and driver or just per cat? my mom says i pay for insurance as a driver and on my car but when i ask my insurance company why my cost is they only list my car, what do i really pay for? i am under my parents policy paying for my own car that i own.

Answer given on June 30, 2016

Auto insurance rates are based on several factors. These include the type of car, the liability limits selected, the driving record of the driver(s) on the policy.If you purchase full coverage on the car then the premium is charged for those additional coverages based on the deductible selected.If you are on your parents policy, they should be included on the title of the car, unless your name is on the policy as a policyholder. If you are just a driver on the policy, you really should get a separate policy for your car. However, by getting a separate policy you can lose discounts that may apply to your parents policy. However you can elect lower liability rates by getting your own policy, which can help reduce your costs. Then discuss it with your parents and decide the best way to insure your car. Talk to your insurance agent or company about a quote for a separate policy for you covering just your car.

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