You should always disclose to your insurance company all of the household licensed drivers as well as any other drivers that may be operating your vehicles so that all drivers can be properly rated on and covered. Insurance laws in states generally permit an auto insurer to rate for all potential drivers of a vehicle.

If an insurance company requested all licensed members of the household and any other frequent or occasional drivers to be listed on your application or policy and you purposely leave this information off to try and lower your premium that can be deemed to be fraud and misrepresentation. The definitions of insurance fraud and the penalties associated with this offense differ from state to state.

In New Jersey, if an insurance applicant is convicted of knowingly providing false or misleading information to an insurer in order to obtain a policy or reduce the premium they can be fined up to $5000 and face additional criminal penalties.

Check with your state's insurance regulatory body for consumer advice on how to get the best cost for auto insurance while legally disclosing all drivers. You may also click here to get inexpensive car insurance.