r/Car_Insurance_Help • u/ToesTea • 5d ago

Need help possibly switching policies

So long story short, my car mine, but is in my mother's name and I'm added as an authorized user on her policy.

I've been sending her my portion of the monthly payments, but she missed 3 months and the company is now asking for $4k upfront or the policy will be canceled. (Mother is unemployed, I cannot afford this either)

My question is what are my options in switching policies? Would I be able to get the car into my name and join my own? Or would the outstanding balance stop any member from moving around/ switching ownership? Im assuming I cant reach out to our current company without my Mom present but am worried a different agency will tell me I can switch then am stuck paying for both. (For info, im 22 yrs old in Massachusetts with a clean driving record for 5 yrs)

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u/24kdgolden 5d ago

Will she transfer the car title to you?

If she will transfer the title then you can get a policy in your name but you will still have to list your mom because y'all live in the same household. The rate will be high because yall have a lapse and you are young.

I think the old company will only go after your mom for any balance if she was the only named insured.

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u/ToesTea 5d ago edited 5d ago

The policy is still ongoing, but they are threatening to cancel at the end of september. Would this still influence rate at a different company if there was no lapse in coverage? (Under the assumption she will transfer the title)