If you already have car insurance for your car, you know you are covered in the case of an accident. But, what if you have a new driver in the family, such as a spouse or a teenager? You should add them to your policy, as well.
It is important to know the ins and outs of adding a driver to a car insurance policy so that you make the right decisions.
Decide Whether You Need To Add A Driver
The first decision you need to make is about whether to add the new driver to your policy. It breaks out like this: if the new driver is getting their own car, you will need to insure that car, either under your name or under the new driver's name. (If the new driver will be the primary driver for the car, you will probably want to insure the car under their name.)
On the other hand, if the new driver in your family will be driving your car once in a while, you can just add them to your policy.
With Some Policies, Occasional Drivers Are Already Covered
If you allow someone in your family to use your car just once in a while, it is likely that your policy will automatically cover them in the event of an accident (as long as the person has a valid driver's license). Check with your insurer directly to verify your policy's details.
However, if the person is going to be a regular driver of your car, you will definitely want to report their name to your insurance company so that they can add them as an official driver.
Adding A Driver To A Car Insurance Policy : Step by Step
Here are the steps required to add a driver to your policy:
1. Contact your current insurer via phone: You will want to contact your insurance company via phone as soon as you have decided to add the new driver to your policy.
2. Have the new driver's information ready to give over the phone: Prepare the necessary information in advance of your call, such as name, birth date, driver's license number, and driver's license expiration date. You may also be asked to send a copy of their driver's license or other documentation separately. However, they should be covered immediately upon placing the call.
3. Take this opportunity to shop your car insurance policy for a better deal: Any time you are adding a new person to your policy or if someone in your family is getting their own policy for their own car, it can be a smart time to shop for a better car insurance deal. Contact 4-5 competing insurance companies and give them your current coverage information. Ask them for a quotation. The whole process can take less than an hour and could save you hundreds in monthly insurance payments.
Follow these 3 tips to add a driver to your car insurance policy.