Insurance companies vary with their guidelines and rules but generally what your auto insurance agent told you is true. Most car insurance companies require you to list everyone in your household with a driver's license on your policy.

Some companies allow you to list all drivers, but then exclude the drivers that will NOT drive a vehicle. Companies are skeptical about this rule because many times they may still be responsible for the risk if there is an accident, even with an excluded driver.

If you want more consumer information regarding how insurance companies work you can contact your the West Virginia Insurance Commission.