To add a car to your policy, you can update your policy online or call your insurance company. Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy.
Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy. While you may qualify for a multi-car discount by adding a second vehicle to your policy, your overall auto insurance rate will likely continue to increase. Whether your agent adds your car to the policy or you do it yourself, most insurance companies will provide you with proof of insurance shortly after the transaction, usually by sending you an identification card by email.
You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. Multi-vehicle discounts are among the most significant discounts that auto insurance companies offer to drivers, but they are usually not sufficient to cancel the full premium that the insurance company will charge for adding a vehicle to its policy. To ensure you get the best possible rate, most insurance professionals recommend that you compare prices and compare quotes after certain life events, such as buying a new car. Depending on the car insurance company you choose, you can also add optional types of coverage, such as emergency roadside service, emergency insurance, and rent reimbursement in the event of a covered claim.
You can also choose to notify your current insurance company in advance that you are planning to buy a car. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. The first step in choosing additional coverage for your car is to decide if you need minimum coverage insurance or full coverage insurance. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together.
The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.