How to Add a Second Car to Your Car Insurance Policy

Adding a second vehicle to your car insurance policy can save you a lot of money and is as simple as contacting your auto insurance provider.
There are a lot of reasons why you might want to add a car to your insurance policy. The most obvious, of course, is that you purchased another car, while maintaining your first one. Or maybe you got married or moved in with a friend, and you want to merge your car insurance plans to save money. Either way, if you want to add a vehicle to your car insurance policy, you’ll have to alert your insurance provider.
Thankfully, adding a second car to your insurance plan is very easy, and doesn’t take much time at all. Note that most insurance companies have a limit as to how many vehicles you can have insured on a single plan. Normally the limit is three or four cars, though it depends on the provider. As long as you haven’t maxed out the car limit for your policy, adding a vehicle to your plan is straightforward. In this article, Part 1 explains how to add another car to your existing policy and Part 2 explains how adding a second car impacts your rates.

Part 1 of 2: How to add another car to your car insurance policy

Step 1: Know the details about your car. Before adding your car to your policy, you’ll need to gather some quick information about your new car. In addition to the year, make, and model of the car you need insured, you’ll need the license plate number, and the vehicle identification number (VIN).
  • Tip: You can find the VIN number on the driver’s side of the dashboard, where it meets the windshield (you’ll need to look at it from outside the vehicle), or on the registration information.
Step 2: Call your insurance company or go online. Once you have that information, you can add a car to your insurance policy through the phone, or sometimes on the internet.
If your insurance provider allows you to adjust your plan online (most of the big companies do), then simply log on to your account through your provider’s website. Locate the section of the website for changing your plan, add your vehicle, and you’re all set.
If you can’t change your plan online, or you’d simply rather do it over the phone, then you can give your car insurance provider a call. Let them know that you’d like to add a vehicle to your plan, give them the detailed information about the car, and you’ll be all good to go.
Step 3: Choose what coverage you want for the second car. When you add a vehicle to your car insurance policy, you’ll have to choose whether you want to maintain the same coverage as with your other cars, or if you’d like a slightly different coverage plan.

Part 2 of 2: Does adding another car to your policy increase the rates?

Adding a vehicle to your car insurance policy can impact your rates in a few different ways. If you add a pricey or accident-prone vehicle to your plan, you’ll likely see your premiums rise a little bit.
However, if you add a safe and affordable vehicle to your plan, you may actually see your rates decrease, if your insurance company decides that the addition makes you safer or more affordable to insure.
Furthermore, adding another car to your policy may qualify you for a multi-car discount, which would lower your rates as well.
Adding a second car to your car insurance policy is a breeze, and you can save a lot of money by not having to purchase multiple plans. As soon as you have another car in your driveway, contact your car insurance provider, and make sure that you get the vehicle added to your plan.
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