There are a lot of reasons why you should add someone to your car insurance policy. If you have a child who just started driving, or even if someone who uses your car frequently lives with you, including them in your policy if you don't have their own coverage protects both of you. We collected the following examples of quotes for a 35-year-old driver with a clean record looking for car insurance through Allstate, as well as three quotes to add drivers aged 18, 35 and 65, respectively, to a policy. Usually, an additional driver only receives limited liability protection if they are involved in an accident on the insured car.
The cost of adding someone to your car insurance policy depends on several factors, such as the provider, the ages of the drivers included in the policy, and the drivers' driving history. It's in your best interest to compare car insurance quotes from various providers to make sure you get the best coverage at the best cost. You should indicate whether your car insurance includes permissive use or not on your policy statement page. You can call them directly to make the change, but many auto insurance companies also offer the option to do so online through their website.
There are some car insurance companies that will want you to add anyone who lives with you to your policy if they don't have one of their own and have access to your vehicle. The maximum number of people you can add to your car insurance policy will vary from provider to provider, but most companies will allow you to add four or five drivers, depending on whether they meet the insurance company's coverage criteria. On the other hand, if you're a younger driver and you add an older driver to your car insurance policy, it's not unusual for your rates to decrease.