There are a variety of situations where adding a driver to your car insurance policy makes sense. Whether it’s a roommate, a spouse or significant other, or even a teenager or college student, most insurance companies allow you—and may even require you—to add a driver to your car insurance policy if they drive the insured cars regularly or share the same residence.
Why Should I Add a Driver to My Car Insurance Policy?
You should add any regular drivers of your cars to your insurance policy so that damages from accidents are covered. Imagine lending your car to a roommate, they get in an accident, and the damages aren’t covered. It sounds like a financial nightmare, right? That’s why making sure you and other drivers who use your cars are on your policy is so important.
Who Can You Add to a Car Insurance Policy?
You can add any licensed driver who uses your cars regularly to your insurance policy, particularly those living with you. But someone doesn’t have to live with you to be covered by your car insurance policy per se. Let’s say you have a housekeeper who comes to your house regularly and uses your vehicles for errands—this person can also be covered even if they don’t live at your home.
Teenagers
When your child obtains their driver’s license, you should add them to your car insurance policy. There are varying rules from state to state on whether a teen is added to your car insurance policy when they have a learner’s permit versus when they officially have a driver’s license. For example, in The State of Ohio, you don’t add your teenage child to your car insurance policy until they have formally earned their driver’s license.
Spouse or Significant Other
If you’re married or have a significant other who drives your cars regularly, you should include them on your car insurance policy. Again, some insurance providers require you to have this person on a policy, particularly if you live together at the same residence. One way or the other, if your spouse or partner is using your cars regularly, you should include them on your policy.
Roommates
If you have a roommate who lives with you in your home, you can add them to your car insurance policy. Maybe your roommate only occasionally uses your car, but you want to make sure you’re covered if anything happens to your vehicle while they’re on the road. You may also be able to share a policy with a roommate for convenience and to save money on premiums.
College Students
Even if a college student doesn’t regularly drive your vehicle and may only use one of your cars occasionally during visits, it’s essential to include them in your car insurance policy.
Friends
That’s right—if a friend regularly drives your vehicle, you should add them to your car insurance policy even if they don’t live with you.
Add Someone to Your Policy With Williams & Case
Adding a new driver to your car insurance policy couldn’t be easier, and the experts at Williams & Case Insurance Agency are here to help! Contact us today to learn more about car insurance coverage or to get a quote.