Car Insurance - additional driver (how much, school, live in)

[j2the4]

My fiance recently purchased auto insurance from Geico. Geico was previously unaware that I even existed until she inquired about how much it would cost to add me to her policy? I have a valid NJ driver's license but do not own a car because I commute to NYC. Admittedly, I drive her car occassionally (mostly weekends). After her inquiry, Geico is now alerted of my existence and will be mailing us a form requiring that I be added onto her policy simply because we live in the same household and irrespective of whether I drive her car or not. Now, I am afraid her premiums will go up by adding me to her policy. The question is, does Geico or any other auto insurance have the right to force to add me whether I drive or not just because we live under the same roof? Does New Jersey have any exclusion to this rule? Are there any suggestions anyone could offer so as to avoid having me added? We were thinking of convincing the insurance company that we are no longer together, although if that excuse was acceptable, everyone would do it.
While I understand it is generally a good idea to add me to her policy, in my opinion the number of occassions I drive her car does not warrant for me to be added. If need be, I'll never drive her car again. Thanks.

[apvbguy]

Originally Posted by j2the4

My fiance recently purchased auto insurance from Geico. Geico was previously unaware that I even existed until she inquired about how much it would cost to add me to her policy? I have a valid NJ driver's license but do not own a car because I commute to NYC. Admittedly, I drive her car occassionally (mostly weekends). After her inquiry, Geico is now alerted of my existence and will be mailing us a form requiring that I be added onto her policy simply because we live in the same household and irrespective of whether I drive her car or not. Now, I am afraid her premiums will go up by adding me to her policy. The question is, does Geico or any other auto insurance have the right to force to add me whether I drive or not just because we live under the same roof? Does New Jersey have any exclusion to this rule? Are there any suggestions anyone could offer so as to avoid having me added? We were thinking of convincing the insurance company that we are no longer together, although if that excuse was acceptable, everyone would do it.
While I understand it is generally a good idea to add me to her policy, in my opinion the number of occassions I drive her car does not warrant for me to be added. If need be, I'll never drive her car again. Thanks.

how old are you? if you are a male under 25 or so, the rates could go up, you have little in the way of grounds to appeal their decision.

[j2the4]

i'm 29 and another concern was having recently received a speeding ticket in New York. I hope it doesn't show up in NJ.

[neekah18]

My friend just had that same experience with Geico. Her son turned 17, got his license, they got him a car. She inquired about adding him and they automatically raised her premiums!!! They did the same thing to me when they found out I had gotten two tickets (no points). I really think it was because I was in a hit and run accident where I was the victim and my car was totaled. She switched to Progressive and saved about $4k per year I switched to NJCure and saved about 5k per year. Geico was great when they first came here, now their quotes have gotten insane.

[CuCullin]

Geico was never great for me - they asked for triple my current policy for car insurance, and *FIVE TIMES* the premium for motorcycle insurance through Rider.

Imho, the commercials are a load of bs.

[neekah18]

Originally Posted by CuCullin

Geico was never great for me - they asked for triple my current policy for car insurance, and *FIVE TIMES* the premium for motorcycle insurance through Rider.

Imho, the commercials are a load of bs.

But i do love their gecko. He is so cute.

[Calico696]

This is the first I have heard of this. Does this mean that you are supposed to add someone you live with to your policy even if you are not married? To go one step further, can you combine both of your cars onto one policy? I guess I just assumed that a couple needed to be married in order to share a policy.

[teachbeach]

Geico advertises great rates for teachers, every time I call it's 2 or 3 times what I currently pay. Find a local independent agent, tell the truth and see what they can do for you. I know NJ is a bugger to get insurance, but playing it safe is better than having her dropped and not being able to get insurance if you're not insured. With two drivers and only 1 car, the premiums shouldn't be that much of a difference.

[TheEmissary]

Moved to NC. I had NJM for 26 years and my last policy in NJ was $1100. I matched the policy down here first with Geico and then with Encompass. Geico wanted $525, Encompass got it down to $471. Moving to NC...Priceless!

[q789654]

i have a similar question

i am an 18 year old male who received his "limited" license last April and will have a full license this april. i dont have car insurance as my mum/friends usually drives me around and i do not have my own car. i took the normal in-school half-semester driving class and took more than 6 hours of driving practice with a driving school before taking the test in the driving instructor's car. I have never gotten behind the wheel of my mother's car.

my mother's insurance agent called a few days ago saying that because i live in the same household as my mum, new jersey state law says that i HAVE to have insurance regardless whether i drive.... and i can either get my own insurance(way expensive) or go under my mum's policy...

is this true?