Cheap Auto Insurance Rate Seattle WA

Reader’s Question:

If I become a motorist under my parent’s insurance policy in Seattle, is there any way that I can be excluded privately as a driver on the policy so that for if I got involve in an accident or received a ticket, it wouldn’t make their insurance rates go up?

Parker

Seattle, WA

 

If you are going to be put on your parent’s car insurance policy as a motorist in Seattle then your driving record will be a rating factor and therefore could affect the insurance rates.

As a licensed household member and listed motorist on the auto insurance policy the insurance carrier will want to check your motor vehicle record (MVR). Any traffic tickets you are convicted of and accidents you may be involved in will be put on your driving record which the insurance provider would see as part of your MVR.

Depending upon the insurance provider’s rating system the accidents or tickets could affect your parent’s insurance rates in Seattle. There is no way to be on the policy but not have your driving history used as part of the rating process since you are a motorist of the vehicles listed on the policy.