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Co-signing a car loan impacts insurance Financing a Car with Co-Signers in this series Financing a Car With a Co-Signer
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive tools and financial calculators as well as publishing original and objective content. This allows users to conduct research and compare data at no cost - so that you can make informed financial decisions. Bankrate has agreements with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that pay us. This compensation could affect how and when products are featured on this website, for example for instance, the order in which they may be listed within the categories of listing, except where prohibited by law for our mortgage home equity, mortgage and other home loan products. However, this compensation will have no impact on the information we publish, or the reviews you see on this site. We do not cover the entire universe of businesses or financial offers that may be accessible to you.
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Maskot/Getty Images
3 minutes read. 21st September 2022
Authored by Kellye Guinan. Written by personal and business finance contributor
Kellye Guinan is a freelance editor and writer with over five years of experience in personal financial matters. She is also a full-time employee at her local library where she helps the community gain access to information on financial literacy, among other topics.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to take control of their finances with precise, well-researched and well-read information that break down complex topics into manageable bites.
The Bankrate promise
More info
At Bankrate we strive to help you make smarter financial decisions. While we are committed to strict editorial integrity ,
this post may contain some references to products offered by our partners. Here's an explanation for how we earn money .
The Bankrate promise
Established in 1976, Bankrate has a long track experience of helping customers make smart financial choices.
We've maintained this reputation for more than 40 years by making financial decisions easy to understand
process and gives people the confidence to know what to take next. Bankrate follows a strict ,
So you can be sure you can trust us to put your needs first. All of our content is written in the hands of and edited by
They ensure that what we write will ensure that our content is reliable, honest and reliable. Our loans editors and reporters focus on the points consumers care about the most -- different kinds of lending options as well as the best rates, the best lenders, ways to pay off debt and many more. So you'll be able to feel secure when making your investment.
Editorial integrity
Bankrate has a strict policy and rigorous policy, so you can rest assured that we're putting your interests first. Our award-winning editors and journalists provide honest and trustworthy content that will aid you in making the best financial choices. The key principles We value your trust. Our goal is to provide our readers with accurate and unbiased information. We have standards for editorial content in place to ensure this occurs. Our reporters and editors rigorously fact-check editorial content to ensure that the information you're reading is true. We maintain a firewall between advertisers as well as our editorial staff. The editorial team of Editorial Independence Bankrate does not receive direct compensation by our advertising partners. Editorial Independence Bankrate's editorial staff writes in the name of YOU as the reader. Our aim is to provide you the most accurate information to assist you in making intelligent financial decisions for your personal finances. We adhere to strict guidelines in order in order to make sure that the content we publish isn't influenced by advertisers. Our editorial staff receives no directly from advertisers, and all of our content is fact-checked to ensure accuracy. Therefore, whether you're looking at an article or review, you'll be able to trust that you're receiving reliable and dependable information.
How do we earn money?
If you have questions about money. Bankrate has answers. Our experts have been helping you manage your money for more than four years. We continually strive to give our customers the right advice and tools needed to succeed throughout life's financial journey. Bankrate follows a strict policy, so you can trust that our content is honest and accurate. Our award-winning editors and journalists provide honest and trustworthy content to help you make the best financial decisions. Our content produced by our editorial team is objective, factual and is not influenced through our sponsors. We're transparent about the ways we're capable of bringing high-quality content, competitive rates, and useful tools to you , by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and, services, or through you clicking specific links on our website. This compensation could impact how, where and when products appear within listing categories and categories, unless it is prohibited by law for our mortgage, home equity, and other home lending products. Other elements, such as our own proprietary website rules and whether the product is offered in the area you reside in or is within your self-selected credit score range could also affect how and where products appear on this website. Although we try to offer the most diverse selection of products, Bankrate does not include specific information on every financial or credit product or service.
When someone in your family or a friend needs help securing the loan to purchase a vehicle, you may be required to sign the loan. And while you will be accountable for the loan however, a co-signing it will not impact the auto insurance policy you have or the premiums you pay. Still, there may be some modifications to your insurance to keep in mind before signing co-signers. Co-signing an auto loan probably won't impact your insurance . Helping someone buy an automobile isn't something to be done lightly. However, it is unlikely that co-signing for a loan will affect your insurance coverage for autos or the rates you pay for coverage. If you do not plan to drive the vehicle you are co-signing for then there shouldn't be any modifications to your . "Co-signing the vehicle loan is not likely to affect your insurance premiums, unless, of course you decide to include the vehicle you co-signed to your own insurance and in that case, your premium will go up to reflect the additional automobile," says Douglas Heller, director of insurance for the Consumer Federation of America and an internationally recognized expert in insurance. So while there may be consequences if the person who you are co-signing for does not pay the loan the insurance will generally not be affected. Some exceptions to the rule are some specific exemptions from this policy. If you reside with the primary borrower of the loan and you are already covered by the same insurance, your policy will be affected. As Heller states the policy's premium will be increased to reflect the additional vehicle. However, driving the car frequently could require you to include it in your insurance plan, which could raise your cost. Co-signers are not usually liable for injuries if their vehicle is in a collision or an accident in general, you're not responsible as a co-signer. "Co-signing for an auto loan does not make you responsible for the primary borrower's reckless driving, DUI or even driving without auto insurance," says Steve Sexton, a financial advisor and CEO of Sexton Advisory Group. However, the limits of responsibility change if your name is on the vehicle's title as a co-owner, which would be the situation when you are a full co-applicant of the loan, not just co-signer. In this case you could be held accountable for the damages caused by an accident, if the driver of the vehicle you share ownership with is determined to be accountable or caused the collision. If the accident results in a lawsuit, you may also be potentially liable. Even if your co-owner doesn't get blamed in the accident the premiums could increase. Co-signing vs. being a co-owner A co-signer is only responsible for the loan. The lender will notify you in the event that there is a problem with late payments or if the primary borrower is in default. Co-signers act as a guarantor to the principal borrower, you have to pay the loan in the event that the primary borrower is unable to. However, it has no impact on your insurance. It is only co-owner in a vehicle in the event that your name is mentioned on the title. Owners of co-owned vehicles share an equal stake in the vehicle and are equally responsible for keeping the loan payments on time when a loan can be used in the acquisition of the car. This means that a co-owner will also need to list the car on their insurance policy, regardless of whether it is frequently driven or not. Ultimately, that means an increase to your policy premium. Co-signers do not hold any legal rights of ownership or stake in the vehicle, and your name won't appear on the car's title. However, not all lender has a co-signing policy. Some may only allow co-signing on a joint application, which puts you in the risk of the loan and the vehicle itself. This means that your insurance company needs to be informed -- as you'll be listed in the title of the car- and your insurance may be affected. The bottom line Co-signing an auto loan for the benefit of a loved one or friend can be beneficial to the buyer who is the primary. Although there are some risks to your credit as co-signer, your auto insurance will remain the same. Before you make this move, call your insurance company to find out if your policy is affected.
SHARE:
Written by Business and personal finance Contributor
Kellye Guinan is a freelance editor and writer who has more than five years ' experience within personal financial matters. She also works full-time as a librarian at the local library where she assists the community gain access to information on financial literacy, as well as other topics.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to manage their finances by providing clear, well-researched information that breaks down complicated subjects into digestible pieces.
Auto loans editor
The next step is financing a Car With a Co-Signer
Auto Loans
3 min read on Sep 20 in 2022.
Auto Loans
2 minutes read on Sep 12, 2022
Auto Loans
2 minutes read Oct 21, 2022
0 min read Mar 24, 2023
About
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Legal Cookie settings Don't sell my personal information
How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services or for you clicking certain hyperlinks on our website. Therefore, this compensation may affect the way, location and in what order products are displayed within the categories of listing and categories, unless it is prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether the product is offered in your area or at your own personal credit score may also influence how and where products appear on this website. While we strive to provide a wide range offers, Bankrate does not include information about every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |
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(c) 2023 Bankrate, LLC. A Red Ventures company. All Rights Reserved.
If you have any questions relating to where and how to use payday loan online no credit check same day, moneyfs.ru,, you could contact us at our web page.
Financing a home purchase refinancing your present loan Finding the right lender Additional Information
Looking for a financial advisor? Do our 3-minute quiz and match with an advisor today.
Main Menu Banking
Calculators to compare accounts Use the calculators and get help from bank reviews
Looking for a financial advisor? Try our three minute test and then match up the advisor you want today.
Main Menu Credit cards
Compare according to category Compare using credit Compare by issuer Ask advice
Are you looking for the ideal credit card? Find it with CardMatch(tm)
Main Menu Loans
Personal Loans Student Loans Calculators for Auto Loans and Loans
Find an individual loan in 2 minutes or less. Answer a few questions to get offers--with no impact to your score on credit.
Main Menu for Investing
Top of the Brokers and robo-advisors . Learn the basics Additional sources
Looking for a financial advisor? Take our 3 minute quiz and match the advisor you want today.
Main Menu Home equity
Find the most competitive rates Lender reviews. Calculators. base
Looking for a financial advisor? Try our three minute test and then match up to an adviser today.
Main Menu Real estate
Selling a home Buying homes Locating the right agent sources
Looking for a financial advisor? Take our 3 minute quiz and match the advisor you want today.
Main Menu, Food and Insurance
Car Insurance Homeowners insurance Other Insurance Reviews of the Company
Looking for a financial advisor? Try our three minute test and connect to an adviser today.
Main Menu Retirement
Retirement plans & accounts Find out the basics about retirement calculators Other Resources
Looking for a financial advisor? Do our 3-minute quiz and match with an advisor today.
The search is open and closed.
Submit
Co-signing a car loan impacts insurance Financing a Car with Co-Signers in this series Financing a Car With a Co-Signer
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive tools and financial calculators as well as publishing original and objective content. This allows users to conduct research and compare data at no cost - so that you can make informed financial decisions. Bankrate has agreements with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that pay us. This compensation could affect how and when products are featured on this website, for example for instance, the order in which they may be listed within the categories of listing, except where prohibited by law for our mortgage home equity, mortgage and other home loan products. However, this compensation will have no impact on the information we publish, or the reviews you see on this site. We do not cover the entire universe of businesses or financial offers that may be accessible to you.
SHARE:
The Page On This Page In This Page
Prev Next
Maskot/Getty Images
3 minutes read. 21st September 2022
Authored by Kellye Guinan. Written by personal and business finance contributor
Kellye Guinan is a freelance editor and writer with over five years of experience in personal financial matters. She is also a full-time employee at her local library where she helps the community gain access to information on financial literacy, among other topics.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to take control of their finances with precise, well-researched and well-read information that break down complex topics into manageable bites.
The Bankrate promise
More info
At Bankrate we strive to help you make smarter financial decisions. While we are committed to strict editorial integrity ,
this post may contain some references to products offered by our partners. Here's an explanation for how we earn money .
The Bankrate promise
Established in 1976, Bankrate has a long track experience of helping customers make smart financial choices.
We've maintained this reputation for more than 40 years by making financial decisions easy to understand
process and gives people the confidence to know what to take next. Bankrate follows a strict ,
So you can be sure you can trust us to put your needs first. All of our content is written in the hands of and edited by
They ensure that what we write will ensure that our content is reliable, honest and reliable. Our loans editors and reporters focus on the points consumers care about the most -- different kinds of lending options as well as the best rates, the best lenders, ways to pay off debt and many more. So you'll be able to feel secure when making your investment.
Editorial integrity
Bankrate has a strict policy and rigorous policy, so you can rest assured that we're putting your interests first. Our award-winning editors and journalists provide honest and trustworthy content that will aid you in making the best financial choices. The key principles We value your trust. Our goal is to provide our readers with accurate and unbiased information. We have standards for editorial content in place to ensure this occurs. Our reporters and editors rigorously fact-check editorial content to ensure that the information you're reading is true. We maintain a firewall between advertisers as well as our editorial staff. The editorial team of Editorial Independence Bankrate does not receive direct compensation by our advertising partners. Editorial Independence Bankrate's editorial staff writes in the name of YOU as the reader. Our aim is to provide you the most accurate information to assist you in making intelligent financial decisions for your personal finances. We adhere to strict guidelines in order in order to make sure that the content we publish isn't influenced by advertisers. Our editorial staff receives no directly from advertisers, and all of our content is fact-checked to ensure accuracy. Therefore, whether you're looking at an article or review, you'll be able to trust that you're receiving reliable and dependable information.
How do we earn money?
If you have questions about money. Bankrate has answers. Our experts have been helping you manage your money for more than four years. We continually strive to give our customers the right advice and tools needed to succeed throughout life's financial journey. Bankrate follows a strict policy, so you can trust that our content is honest and accurate. Our award-winning editors and journalists provide honest and trustworthy content to help you make the best financial decisions. Our content produced by our editorial team is objective, factual and is not influenced through our sponsors. We're transparent about the ways we're capable of bringing high-quality content, competitive rates, and useful tools to you , by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and, services, or through you clicking specific links on our website. This compensation could impact how, where and when products appear within listing categories and categories, unless it is prohibited by law for our mortgage, home equity, and other home lending products. Other elements, such as our own proprietary website rules and whether the product is offered in the area you reside in or is within your self-selected credit score range could also affect how and where products appear on this website. Although we try to offer the most diverse selection of products, Bankrate does not include specific information on every financial or credit product or service.
When someone in your family or a friend needs help securing the loan to purchase a vehicle, you may be required to sign the loan. And while you will be accountable for the loan however, a co-signing it will not impact the auto insurance policy you have or the premiums you pay. Still, there may be some modifications to your insurance to keep in mind before signing co-signers. Co-signing an auto loan probably won't impact your insurance . Helping someone buy an automobile isn't something to be done lightly. However, it is unlikely that co-signing for a loan will affect your insurance coverage for autos or the rates you pay for coverage. If you do not plan to drive the vehicle you are co-signing for then there shouldn't be any modifications to your . "Co-signing the vehicle loan is not likely to affect your insurance premiums, unless, of course you decide to include the vehicle you co-signed to your own insurance and in that case, your premium will go up to reflect the additional automobile," says Douglas Heller, director of insurance for the Consumer Federation of America and an internationally recognized expert in insurance. So while there may be consequences if the person who you are co-signing for does not pay the loan the insurance will generally not be affected. Some exceptions to the rule are some specific exemptions from this policy. If you reside with the primary borrower of the loan and you are already covered by the same insurance, your policy will be affected. As Heller states the policy's premium will be increased to reflect the additional vehicle. However, driving the car frequently could require you to include it in your insurance plan, which could raise your cost. Co-signers are not usually liable for injuries if their vehicle is in a collision or an accident in general, you're not responsible as a co-signer. "Co-signing for an auto loan does not make you responsible for the primary borrower's reckless driving, DUI or even driving without auto insurance," says Steve Sexton, a financial advisor and CEO of Sexton Advisory Group. However, the limits of responsibility change if your name is on the vehicle's title as a co-owner, which would be the situation when you are a full co-applicant of the loan, not just co-signer. In this case you could be held accountable for the damages caused by an accident, if the driver of the vehicle you share ownership with is determined to be accountable or caused the collision. If the accident results in a lawsuit, you may also be potentially liable. Even if your co-owner doesn't get blamed in the accident the premiums could increase. Co-signing vs. being a co-owner A co-signer is only responsible for the loan. The lender will notify you in the event that there is a problem with late payments or if the primary borrower is in default. Co-signers act as a guarantor to the principal borrower, you have to pay the loan in the event that the primary borrower is unable to. However, it has no impact on your insurance. It is only co-owner in a vehicle in the event that your name is mentioned on the title. Owners of co-owned vehicles share an equal stake in the vehicle and are equally responsible for keeping the loan payments on time when a loan can be used in the acquisition of the car. This means that a co-owner will also need to list the car on their insurance policy, regardless of whether it is frequently driven or not. Ultimately, that means an increase to your policy premium. Co-signers do not hold any legal rights of ownership or stake in the vehicle, and your name won't appear on the car's title. However, not all lender has a co-signing policy. Some may only allow co-signing on a joint application, which puts you in the risk of the loan and the vehicle itself. This means that your insurance company needs to be informed -- as you'll be listed in the title of the car- and your insurance may be affected. The bottom line Co-signing an auto loan for the benefit of a loved one or friend can be beneficial to the buyer who is the primary. Although there are some risks to your credit as co-signer, your auto insurance will remain the same. Before you make this move, call your insurance company to find out if your policy is affected.
SHARE:
Written by Business and personal finance Contributor
Kellye Guinan is a freelance editor and writer who has more than five years ' experience within personal financial matters. She also works full-time as a librarian at the local library where she assists the community gain access to information on financial literacy, as well as other topics.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to manage their finances by providing clear, well-researched information that breaks down complicated subjects into digestible pieces.
Auto loans editor
The next step is financing a Car With a Co-Signer
Auto Loans
3 min read on Sep 20 in 2022.
Auto Loans
2 minutes read on Sep 12, 2022
Auto Loans
2 minutes read Oct 21, 2022
0 min read Mar 24, 2023
About
Help
Legal Cookie settings Don't sell my personal information
How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services or for you clicking certain hyperlinks on our website. Therefore, this compensation may affect the way, location and in what order products are displayed within the categories of listing and categories, unless it is prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether the product is offered in your area or at your own personal credit score may also influence how and where products appear on this website. While we strive to provide a wide range offers, Bankrate does not include information about every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |
|
(c) 2023 Bankrate, LLC. A Red Ventures company. All Rights Reserved.
If you have any questions relating to where and how to use payday loan online no credit check same day, moneyfs.ru,, you could contact us at our web page.
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