It’s perfectly legal to have two auto insurance policies on one vehicle. Nonetheless, your insurance company may not be willing to insure the same vehicle twice. Having two auto insurance policies is legal, but filing the same claim with two different insurers isn’t.

Can I change my car insurance to another insurance company?

To transfer an existing insurance policy to a new vehicle, all you need to do is call your insurer. The standard amendment fee should be set out in your policy terms and conditions, but your insurer should also be able to inform you of this over the phone.

Can a car be insured by two different insurance companies?

Yes, you can probably insure 2 different cars that are registered or titled under your name with 2 different auto insurers, each one thus insured by a different insurance company. However unless there is a good reason to do so it would likely cost you more to insure you cars this way.

Can you get car insurance in someone else’s name?

Unfortunately, you usually can’t get a car insurance policy issued in your name to cover a specific vehicle that is registered and titled in someone else’s name. But, if the car is already insured, you can usually be added to the policy. In some instances – like driving your parents’ car – you may already be included on the policy.

Can a non owner insurance company insure my car?

The non-owner policy is a liability-only policy designed to be in addition to the primary auto policy for the vehicle – this means it does not provide collision or comprehensive coverage as it is not rated for any particular vehicle. Instead, it provides liability coverage that kicks in after the underlying policy has been exhausted.

Can you have two insurance agents quoting the same policy?

Because of the complexity of the products, most states prohibit insurance companies from negotiating rates on a customer-by-customer basis. Rates are set based on classes of underwriting risk, so two agents at the same company quoting rates for the same policy at the same time will wind up with the same premium.