I'm 78 years old. Live in an apartment in my daughter and son-in-law's basement and pay monthly rent. I cook my own meals, and live independently. My grandson is 19 (20 in Feb), has his own car (2008 Altima) with coverage under his parent's auto policy (AMFAM). I own a 2016 Subaru Forester XT and insured separately (Progressive). My grandson is an excellent driver, clean record, and I have more confidence in his driving than my own at my age. He did not have outstanding grades when in high school. Good, but not outstanding. Probably a B average. He typically only drives me to doctor's appointments (12 miles one-way) and to the local Walmart weekly (3 miles O/W). I drive myself 20 miles to church weekly on rural highway. Other than incidental trips shopping at other nearby stores that is about all the driving my car gets. I'm trying to decide whether to allow my grandson drive my Forester and add him as a driver on my policy or to ride with him in his car. It is difficult for me to climb in and out of his car. My preference is to have him drive me in my Forester. I don't fully understand how that may affect my rates. Does the fact I live independently in a basement apartment have any bearing on these rates?