Who Must I Add to My Auto Policy?

Auto insurance can help cover your expenses if you’re in an accident that causes third-party property damage or bodily injury. If you let somebody else regularly drive your car, you should add them to your auto policy to help ensure your insurance company will pay for the damages they may cause as well.

Who Should Be Added to My Auto Policy?

Requirements may vary with insurers; however, you should add anybody who drives your car frequently. This will help ensure that damages from accidents they’re in are covered per your policy terms and conditions. Anybody who lives at your residence, has access to your car and has a driver’s license generally must be added to your policy.

Common examples include the following:

• A teen or college driver
• A spouse or significant other
• A roommate

Friends or employees (e.g., housekeepers and health care workers) who don’t live with you but use your car frequently may also need to be added to your policy.

Speak with your insurance agent or contact Select Insurance today for more information on who you’re required to add to your auto insurance policy.

How Much Does it Cost to Add Someone to My Auto Policy?

Adding additional drivers to your auto insurance policy may impact your auto premiums. Contrary to popular belief, your auto rates don’t always increase with a new driver. For example, if you add a more experienced driver with a safe driving record to your policy, your premiums could decrease.

Several factors related to the additional driver could impact the cost of your policy, such as the following:

• Their age
• The driving record
• Their driving experience
• Their credit score

If you’re adding a high-risk driver to your auto policy (e.g., a new teen driver) you may see an increase in your auto premiums. Fortunately, you may be able to help offset auto rate increases for new drivers by searching for good student discounts, low mileage programs and other discount programs.

How Do I Add a Driver to My Auto Policy?

The agents at Select Insurance are here to help. Contact us to learn more about auto insurance and how to add a driver to your policy. We can also provide you with a tailored insurance quote.

We serve Anderson, Greenville and Spartanburg, South Carolina.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.