<p>During winter breaks, daughter drove my car when she needed it. My insurance doesn’t cover her (her dad has, but she rather stay with me not him and a female stranger).<br>
Now, I have to think about summer, 3 months long, she must need insurance and a car. What should I do? How about ask her dad to rent a car but she drives his (which she has insurance)?</p>
<p>ps: she plans to take some credits in state university and find a summer job.</p>
<p>I agree–why not ask dad to rent her a car or between you & him & D, you can split the cost of the rental AND have him add her to his insurance? I would only suggest she have a car IF she gets a job & is responsible for gas & expenses related to said car, otherwise she can drive you to & from your job if she needs to have access to a car on certain dates.</p>
<p>We used the rental car solution twice in summers when my daughter had internships that were nowhere near the places where her father and I worked. But there are a couple of catches: </p>
<p>First, a parent has to drive the rental car, while the student drives the parent’s car. In some states, college-age people can’t rent cars, and in other states, it’s extremely expensive. But if the parent is the only one who drives the rental car, the rate is much more reasonable. </p>
<p>Second, her father would need to check his insurance and see how long they cover him while driving a rental car. There is usually a limit, and renting a car for the whole summer may exceed it. Fortunately, it’s usually possible to get around this by paying an extra fee to the auto insurance carrier (ours was less than $100), which is much less than it would cost to pay for the rental car company’s insurance.</p>
<p>We used Enterprise’s Month-or-More program, but there may be cheaper options.</p>
<p>^^^Thanks for this thread. If son gets an internship this summer, it will be out of town. We don’t have a third car, and can’t afford one. We do have him as an occasional driver on our insurance, although son hates to drive. He has a license, but never drives, depending on mom’s taxi still when he’s home from college. I lost tons of income last summer being his taxi service, and will put my foot down for this summer if he stays in town. (Grandpa prefers him to get a job as a grocery bagger locally rather than an out of town engineering internshp. He’s of course counting on the mom taxi service as well.) I will look into that Enterprise program. I’m a Hertz Gold member and will see if they have a similar program.</p>
<p>We are planning a similar solution – d will drive my car, and I’ll be in the rental. Thanks for the heads up regarding checking the insurance for me long-term. We have d listed on the insurance policy already. Is Enterprise’s program the best? Anyone else have reviews of other companies?</p>
<p>Summer is close, we have the same situation.
I check costco member car rental program, budget charge almost 900 per month!
Is this the price range?</p>
<p>Folks…it costs a LOT to rent a car for a college student to drive. As noted above…rentals need really to be for the PARENT with the kid then using the family car. You should add the kiddo to your insurance for the three months.</p>
<p>We have friends who bought used cars in the $1000 range for use by their college students. They found this was less expensive in the long run. For some, they kept the car…others sold it at the end of the summer.</p>
<p>Is there any way to jockey the cars you currently own (carpooling, driving one person to work on the way to the other person’s work). Does everyone need their own car?</p>
<p>^ Actually, I ended up purchasing a new car for myself, and d will have my well-broken in '06 to drive. Unfortunately, we do each need our own cars – I work in a home visitation program, and travel between families I see all day, d is going between 2 internships and hubby works strange hours in a community with no public transportation. When we priced out long-term rental x several summers versus the deal I was able to get on my new car, it made sense for us.</p>
<p>Well, that worked out nicely for you, momma frog. I like it when the mom gets the new stuff!</p>
<p>flyinglandbird–for most insurance policies, your policy covers whomever you let drive your car even if they are not specifically listed on your policy. Unless you have specifically excluded your DD from your policy somehow, you should be fine over the summer. Your policy does not cover "people’ it covers your car meaning which every car you drive, your car a friend’s car, whatever–the policy on THAT car is what would pay in an accident, not your own policy.</p>
<p>My insurance automatically rates every licensed driver in my household. Unless, I were to go in and specifically exclude a d, she would be listed and rated on the policy. No choice.</p>
<p>Stevema,mmthat is just for occasional use! Daughter must be written ion to policy if it is for regular use.</p>
<p>anxiousmom-your auto policy will cover anyone you allow to drive your car, period. That is how the standard policy is written. Again, your policy covers your CAR, not specific people. The only time someone is not covered on your car is if they steal your car or use the car while committing a felony. Call your agent and confirm this if you don’t believe me but most people assume that a person is covered and can drive any car but the car is covered any anyone you allow to drive it can drive the car and will be covered.</p>
<p>Have had a few reasons to talk to car insurance in recent memory. One was when d got her learner’s permit. In my state (Ohio), she was listed, but our rates did not change as long as she was on learner’s permit only. Next, I called from the DMV parking lot when she had her newly minted license. After the good-student discount, etc. there was a bump up in our rates, but she is covered. Finally, when we purchased that new car, called to add it to our policy (another cost bump). However, all 3 vehicles and all 3 drivers are fully insured.</p>
<p>I am pretty sure if you dd is living with you that you will neeed to add her to your insurance. If she has a license and living in your home they must be on your plan for her to drive you car or it will not be covered.<br>
I know we have to insure our dd even though she lives 2 hours away at college because her college 2 miles too close to our house.</p>
<p>momof3greatgirls-if she is rated on another policy they can’t make you rate her on your policy. If she wasn’t on her Dad’s policy she would have to be rated on one of Mom’s car–rating on a policy is NOT the same as being covered. Rating is just that she is listed at the main driver on that car and the rates that correspond to her age are what is charged for the premiums. She is still COVERED under Mom’s policy under the permissive user clause in every auto insurance contract.</p>
<p>SteveMA, it’s not advisable to make blanket statements about what every policy covers. Carriers and policies vary. But FYI, in most cases, any licensed driver who lives in the house is required to be listed. If a family member staying in the home but not on the policy has an accident, it may be covered, but with limitations. And that person may be excluded from the policy in the future. And the policyholder’s rates may go up. </p>
<p>OP, you definitely should call your agent to find out how your carrier handles this situation.</p>
<p>LasMa–there is a standard ISO policy that EVERY insurance company must follow in every state across the nation. Each company can then ADD to the policy but not take away coverage. In that standard policy it allows for “permissive users”. It isn’t a “blanket statement” it is fact. Feel free to look it up. You can specifically exclude someone from your policy in some states but the OP did not do that. You DO NOT NEED TO “list” people on a policy. There is no such thing as “listing” people on a policy, the policy provides for that in the language of the contract. Depending on the rules of your state, most often you need to RATE the most risky driver on your car, but that is one area where companies have some leeway. Only one person per vehicle is rated. Since the OP’s D is rated on a car at her Dad’s house, the OP is rated on her own car. Feel free to call your insurance company and confirm vs just guessing because your neighbor’s girlfriend said that is what she heard from someone.</p>
<p>Cheapest rate for rental car was thru Costco. We got a rental from our local Alamo (nicest service people) last week and saved more than ever had before. I let the worm take my car to the Keys. I have him on my insurance policy as 1 per cent driver.</p>
<p>SteveMa - I’m not sure what you mean by “You DO NOT NEED TO “list” people on a policy” but…</p>
<p>In New Jersey - You must notify your insurance company that you have a newly permitted or licensed driver in the household.</p>
<p>“Failure to disclose all of the drivers in a household to your insurer can be construed as a form of insurance fraud which is subject to policy cancellation, civil fine, or penalty under the New Jersey Insurance Fraud Prevention Act.”</p>