Adding Drivers To Your Auto Insurance Policy

In most cases, anyone who drives or has access to your car on a regular basis should be on your auto insurance policy. This may include anyone you live with who has a driver’s license, including your spouse, roommates, or licensed children. You may also choose to add friends or family members who are not part of your household to your policy, especially if they drive your car on any kind of regular basis.

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RePost - The Cost of Adding a Driver to Your Auto Insurance Policy

How Will Adding a Driver Affect My Auto Insurance Premium?

Your monthly premium is calculated using numerous factors, such as your age and gender, your driving record, and how much driving experience you have. When you add someone to your policy, their own information will be taken into account as well. If they have risk factors like speeding tickets or a lack of driving experience, then you can expect to see your premium increase. If, however, their own demographic information and driving history is very good, you may only see a small difference in your monthly payment.

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The Responsibilities of Listed Drivers

Listed drivers have the ability to file auto insurance claims, including claims on your behalf if you are severely injured in an accident and are unable to do so yourself. They can also follow through with the claim, setting up car repairs and communicating with your insurer, without your involvement. Listed drivers cannot make significant changes to your policy, including adding or dropping listed drivers, adding or removing vehicles, or altering your coverage limits.

Talk to your auto insurance agent to discuss how much it will cost to add someone to your insurance policy.

Related Articles:

In Auto Insurance, What Is “Named Insured” And Who Is It?

How Do Insurance Companies Decide Auto Insurance Premiums?

Why Every Household Driver Should Be On Your Auto Insurance Policy

♦ Adding a Teen Driver to Your Auto Insurance Policy: What You Need to Know

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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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