Adding a driver to insurance depends on a variety of factors. The cost varies based on his or her driving history, type of vehicle, and other details.
Adding a driver to insurance depends on a variety of factors. The cost of doing so also varies based on his or her driving history, type of vehicle, and other details. Here's what you need to know about covering an additional person under your car insurance policy.
Adding a driver to insurance depends on a variety of factors. The cost of doing so also varies based on his or her driving history, type of vehicle, and other details. Here's what you need to know about covering an additional person under your car insurance policy.
You must add a driver to your policy if he or she has access to your car, has a driver's license, and lives at your residence. Common examples include teen and young adult children, live-in partners, and spouses. You might also need to add children who live away at college if they drive your vehicle when they return home, according to Cover.com.
According to Wallet Hub, you must add your children to your auto insurance as soon as they become new drivers. However, the timing varies by state. For example, Maryland, Indiana, and Illinois let insurance companies require standard coverage for drivers who have a learner's permit, while other states do not let insurers start charging until your teen has a full license.
Someone who works for you and uses your car sometimes but does not live in your home may need to appear on your auto insurance policy. Common examples including home health care workers, housekeepers, and child care workers. Ask your insurer about its rules for these situations. In most cases, adding this person to your policy helps protect your financial interests. You can remove them in the future if their term of employment ends. This does not apply to a babysitter who works for you only once in a while, though.
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