It’s fairly common to add drivers to your car insurance policy. Whether it’s a housemate or a significant other who uses your car regularly, your daughter getting her license, or a friend who borrows your car with some frequency, if anyone else is often behind the wheel of your car, you should add them to your insurance plan.
Adding a driver to your car insurance policy makes it a lot easier to file a claim should something happen to your vehicle when you’re not driving. It’s a straightforward process to add a driver, so you can quickly take care of this any time you need to alter the names on your plan. In this article, Part 1 explains how to add a driver to your policy and Part 2 describes how it impacts your insurance rates.
Part 1 of 2: How to add a driver to your car insurance policy
Step 1: Get the driver’s details. Before adding a driver to your insurance plan, make sure that you have their driver’s license number, their date of birth, and their current address, as you’ll need to provide this information.
Step 2: Contact your car insurance provider. If you’re insured by one of the large insurance companies, you can likely add a driver by visiting their website, logging onto their account, and clicking “change plan” or “add driver.”
If your insurance company doesn’t have an online option, or you don’t feel like handling your insurance change through your computer, call your car insurance provider. You can add a driver through the phone simply by letting the agent know what you want to do, and providing the name and basic information of the driver.
- Note. Car insurance companies cap how many people you can add to your plan (usually four, but it changes depending on the company). So if you’re already at your maximum number of drivers, you won’t be able to put an additional driver on your policy (unless you remove a driver in the process).
Part 2 of 2: How adding a driver impacts the price of your car insurance
Adding a driver to your car insurance policy usually doesn’t have much of an impact on the price of the plan. If the driver would cost a lot to insure – such as someone with a very poor driving record, or a teenager – then your premiums may be increased slightly.
However, if the driver you add has a long history of safe driving, there’s a chance that your insurance rates will go down. It all depends on your insurance company, though the rates will never alter too much when you add a driver.
Adding a driver to your car insurance policy is quick, easy, and unlikely to impact your rates much. If someone in your life is constantly hopping behind the wheel of your car, take a few minutes to add them to your car insurance plan, to make sure that you’re well protected in the event of an accident.