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Ownership of a car

Hi Moms. My son is in A school in Charleston in Phase 3. We're taking his car down in a couple of weeks. Right now, I own the car but he makes the payments so it's really his car. I was just wondering if I should transfer the title to him, or would it make things easier if I kept it in my name? Has anyone run into problems either way?

I don't know if he needs to get a new driver's license for S. Carolina, or if he can stay on my insurance -?(I'll have to call the ins. company on that.) Plus, with him leaving in less than two years ... I just don't know what issues we might run into. Anyone?

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Replies to This Discussion

Permalink Reply by Deniche on March 30, 2017 at 12:24pm
I left my son's car in my name. The insurance is much cheaper that way. Also, he does not need to get a SC drivers license. If he changes his license then he had to get SC plates for the car. This makes it very difficult to renew when he goes on to his next duty station. Not to mention...expensive.
Permalink Reply by StandupSister on March 30, 2017 at 10:13pm

Good to know! Thank you.

Permalink Reply by B'sNukeMoM⚓️MMN(Vet) on March 30, 2017 at 12:30pm

Our son also kept his car registered in our name and stayed on our insurance, although he only had it in SC for a month before he headed to NY and then bought a newer car when he got there!  When he bought his new car he registered it in his name and switched to USAA insurance.

Permalink Reply by StandupSister on March 30, 2017 at 10:14pm

Thanks for the info!

Permalink Reply by Cybermama Ship 09, Div 160 on March 30, 2017 at 12:56pm

I gave my son my refurbished car after his completion of A school.  He has his own insurance and the car is licensed in his home state.  His DL is in his home state as well.

He is now at his first assignment and is ready to buy a real new car.  But reality set in: he will soon be deployed for 6--9 months and would be making payments on a car he won't be driving.  He decided to keep the old car since it works just fine and buy a new one with close to cash when he is done with the deployment.  He will probably get it licensed in his home state as well--a nice time for a visit!

Works for us!

Permalink Reply by StandupSister on March 30, 2017 at 10:15pm

Thanks for the response :)

Permalink Reply by New2Navy on March 30, 2017 at 1:49pm

My husband did this with my son back in October when he was in A school.  If I recall, you do not need to change the title or driver's license, but I believe the car insurance needs to be in his name in order for him to register the car on base. Check out insurance rates - Geico seemed to have the best rates but the military insurance (USAA) is another option.  Both are very used to working with the military. I don't know about the other responses here, but I believe he cannot register the car onto base until it is registered with insurance in his name. Check out hours of operation for the DMV in Charleston which you can do online before you get there. The website will also have all the information you need, plus talk to the insurance companies. 

Good luck.
Permalink Reply by Deniche on March 30, 2017 at 2:03pm
My son was in Goose Creek...now in Norfolk. You do not need to have the insurance in his name to register the car. The rates were outrageous if we had put them in his name.
Permalink Reply by New2Navy on March 30, 2017 at 2:15pm

Did your son register the car on base?  It was my understanding that to park the car on base, he had to have insurance in his name. I could be wrong.. but thought so.

Permalink Reply by Deniche on March 30, 2017 at 3:24pm
Yes. Car was registered on base.
Permalink Reply by StandupSister on March 30, 2017 at 10:16pm

Thanks for the info!

Permalink Reply by Buzzbeck on March 31, 2017 at 3:18am
At first, our sailor`s vehicle was in our name and on our insurance, but he was required to have a letter from us granting him permission to drive the vehicle, he was allowed to park it on base. A few months ago while home on leave, he transferred the title to his name, our address and state, and bought his own insurance, Progressive I believe. He has always maintained his license in our state. He decided to keep his older vehicle, rather than buy a new one that would sit parked in storage while he's away.

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