Who You Need to Include on Your Auto Insurance

What to know about listing drivers on your auto policy.

When you apply for auto insurance, your insurer will ask you to list all licensed drivers currently living in your home.  But do all these individuals need to be included in your policy?  Here’s what you need to know about listing additional drivers on your auto insurance.

  • Who needs to be listed?

Generally, anyone living under your roof should be listed on your auto insurance policy.  While these people might not drive your car regularly, they still need to be maned.  This is because they may be forced to drive your car in various situations.  So, all licensed drivers, including teens, elderly adults, roommates, and significant others, should be listed on your insurance policy.

  • How does this affect my rates?

Adding a new driver to your auto insurance policy may cause your premiums to increase.  This is because newly licensed drivers are considered risky to insure.  Additionally, adding someone with a history of bad or irresponsible driving can also cause your insurance rates to increase.  If you are worried about this rate increase, then you do have an option.  You can choose to list the high-risk driver as an excluded driver.  This means that the individual is not permitted to drive your car under any circumstances.  If the excluded driver does get into an accident while operating your vehicle, then your insurance provider will refuse coverage for the claim.

  • Do I need to add other drivers?

If you are lending your car to someone who lives outside of your household, such as a neighbor or friend, then you do not need to list these individuals on your insurance policy.  In this case, your existing coverage will automatically extend to anyone borrowing your car, so long as you have given them explicit permission to do so.

This is what you need to know about listing additional drivers on your auto insurance policy.  Do you have more questions about your car coverage?  If so, then contact the experts at Pierce Insurance Group.  We are ready to assist you with all your auto insurance needs today.