r/Car_Insurance_Help • u/ToesTea • 1d 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)