Call Us 800-530-5822 ☰ ˟
Logo
Phone IconCall Us 800-530-5822
  • Main Menu
    • Home Page
    • About Us
    • Carrier Videos
    • Contact Us
    • Make a Payment
    • Testimonials
    • Refer a Friend
    • Join Our Newsletter
    • Newsletters Archive
    • Important Links
    • Insurance Glossary
    • Location
    • Privacy Policy
  • Automobile
    • Auto Insurance Information
    • Instant Auto Insurance Quote
    • AssuranceAmerica Quote
    • Request ID Card for Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
  • SR-22
    • SR-22 Insurance Information
    • SR-22 Insurance Quote
  • Homeowners & Renters
    • Homeowners & Renters Insurance Information
    • Manufactured Home Insurance
    • Homeowners Insurance Quote
    • Manufactured Home Quote
    • Renters Insurance Quote
  • Life
    • Life Insurance Information
    • Life Insurance Quote
  • Motorcycle
    • Motorcycle Insurance Information
    • Motorcycle Insurance Quote
    • Request ID Card for Motorcycle Policy
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Add Driver to Existing Motorcycle Policy
    • Remove Driver from Existing Motorcycle Policy
  • Recreational Vehicle
    • Recreational Vehicle Insurance Information
    • Recreational Vehicle Insurance Quote
  • Boat
    • Boat Insurance Information
    • Boat Insurance Quote
  • Blog
  • Areas We Serve
    • Illinois
    • Indiana
    • Missouri
    • Ohio
    • Wisconsin
Auto Insurance quotes from multiple carriers. Get Quotes
Home insurance that fits every size home and every home value. Get Quotes
Take care of the ones you love by getting Life Insurance. Get Quotes
SR-22 Insurance Get Quotes
Home/Renters Insurance Get Quotes
Renters Insurance Get Quotes
Low price. High value. Great service. Get Quotes
Home > Blog > Who Can I Add to My Car Insurance Policy?
THURSDAY, NOVEMBER 12, 2020

Who Can I Add to My Car Insurance Policy?

Two young teenagers in the drivers seat and passenger seat of a car

Adding someone to your car insurance policy as a driver is not a decision to be taken lightly. It can have a heavy effect on your credit and your car insurance premiums. It is also important to note that not everyone can be covered under your car insurance.

Covered Drivers

You don’t necessarily need to name a person on your policy in order for them to be covered. As a rule, anyone who has permission to drive your vehicle should be covered under your car insurance policy. This means that if you let a friend borrow your car, they should be covered.

Drivers you wish to name on your policy must generally be family members living in the same household as you, including spouses and children. For example, say you and your mother share a vehicle to commute to work and the store. Since you both use the vehicle an equal amount, you will want both of your names on the vehicle.

Another example would be if your teen driver begins sharing your vehicle as their first car. In some cases, it may be cheaper to add them to your policy than to place them on a separate one. Keep in mind that this will still affect your car insurance rates. Adding someone else to your policy can raise your lower your rates. In general, adding a teenage driver to your policy will drive up your car insurance premiums by a significant amount.

This also means that not everyone can be named on your policy, however.

Uncovered Drivers

In some cases, drivers are not covered, nor can they be added to your car insurance policy.

As a rule, you cannot add people who are not part of your household. For example, if you frequently let a friend borrow your car but do not live with them, it is unlikely that an insurer will allow you to add them to your car insurance policy.

There are also excluded drivers to consider. Excluded drivers can be drivers who live in the same household as you but are still not covered under your car insurance. Typically, an insurer will evaluate the other drivers in the home with you and provide names of excluded drivers (if applicable). Excluded drivers are usually high-risk drivers with poor driving records or credit scores. If they are given permission to operate your vehicle, they will not be covered under your car insurance policy.

Get A Quote

Posted 1:15 PM

Tags: car insurance, auto insurance, cloverleaf insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • cloverleaf insurance(92)
  • auto insurance(75)
  • insurance(69)
  • car insurance(64)
  • coverage(45)
  • missouri(30)
  • home insurance(24)
  • renters insurance(23)
  • sr-22 insurance(18)
  • motorcycle insurance(15)
  • safety(14)
  • protection(14)
  • missouri auto insurance(13)
  • missouri insurance(12)
  • foremost insurance(12)
  • sr-22(12)
  • sr22 insurance(11)
  • sr22(11)
  • auto(10)
  • missouri car insurance(8)
  • illinois(8)
  • rates(8)
  • car(8)
  • founders insurance(6)
  • 1-800-530-5822(6)
  • policy(6)
  • 18005305822(6)
  • illinois sr22 insurance(6)
  • maintenance(5)
  • life insurance(5)
  • auto insurance quotes(5)
  • car insurance missouri(5)
  • dui(5)
  • dwi(5)
  • roadside assistance(5)
  • liability(4)
  • tips(4)
  • collision coverage(4)
  • rv insurance(4)
  • auto insurance missouri(4)
  • premiums(4)
  • missouri sr22 insurance(4)
  • boat insurance(4)
  • requirements(4)
  • illinois home insurance(4)
  • independent insurance agent(4)
  • nonowners(4)
  • indiana(4)
  • homeowners(3)
  • high risk(3)

View Mobile Version
American Modern
Foremost
Hagerty
Kemper
The General
Home| Get A Quote| Customer Service| Blog| About Us| Contact
Physical Address: 301 Jungermann Road | St. Peters, MO 63376
P: 800-530-5822
Social Social Social Social
Logo

Powered by Insurance Website Builder