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Q

Who can I add to my car insurance policy?


A

Car insurance companies' guidelines, as well as state insurance laws, may vary but in general you can add to your car insurance policy licensed household members such as your spouse and children and others that reside with you. Many times can also add children that are away at school since they typically come home during breaks to visit and will drive your vehicle during those times. Anyone else that regularly drivers your vehicles will usually be allowed to be listed as drivers on your auto insurance policy as well.

If you are a parent then you, your spouse, your children that live with you or any other licensed household member will normally be listed on your car insurance policy as drivers. The definition of a household member varies from one car insurance company to another but generally it means immediate or extended family that lives with you as well as non-family household members that drive your vehicle, such as a roommate can be considered a member of your household.

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Typically, family members include any immediate or extended family member of driving age. This Includes parents, children, siblings, grandparents, aunts, uncles, cousins, foster children, in-laws and step family members. There may be some variations in this list among different carriers as well.

There is not a limit to the amount of drivers you can insure on your auto insurance policy, there just has to be a good reason of why you are listing them as a driver. Those that you cannot insure on your policy normally includes, but is not limited to, children that moved out, a child that got married and has their own residence and others that do not reside with you or use your vehicle.

It is important to notify your automobile insurance company of anyone that may operate your vehicle even if on an infrequent basis.  In general you can add someone to your policy as a partial or occasional driver if the person uses your vehicle only from time to time but you want to make sure they are covered by your car insurance coverages.

Some policies allow (and may require) that other occasional drivers that live outside of the household also be listed on your policy.  For someone to be listed as an occasional driver usually it means the person does not live your household but uses one of your vehicle, however the car of yours that they use is parked at your residence at the end of the day.  You should contact your insurance agent or insurance company to determine what their guidelines are on who can be covered by your car insurance policy and what the procedure is for adding a driver.

Once again, if you are a parent you can insure your children while they live in your household and most times you can continue to insure a child if he or she goes off to college however if the child moves out, gets married or in some cases go to college more than 100 miles away the child will need to get their own policy.

If you have a specific situation in mind about insuring someone on your car insurance policy you can first ask your current insurance agent or if you are also shopping for auto insurance you can contact our knowledgeable agents at CarInsurance.com. Our agents can tell you if a certain person can be added to your policy as a driver. At CarInsurance.com we can explain to you insurance terms and coverages as well as tell you how you can get low cost car insurance for your needs.




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