If an excluded driver has moved out of your home, you can also remove them from the policy entirely by contacting your auto insurance agent. Driving without insurance could cause insurance companies to charge you higher premiums in the future because, as a result, they may perceive you as a high-risk driver. If you change car insurance after your current policy expires, you could experience a lapse in coverage. Other factors that may influence the price of your premium include your credit rating, the type of car you drive, your personal driving history, the number of drivers listed in your account, and the number of vehicles you have insured.
So if you're wondering, “Can I add someone who doesn't live with me to my car insurance? Geico may have one answer, while Allstate may have another, so it's best to check with your insurance company to make sure. If you think your level of coverage is OK, but you feel like you're still overspending, you can consider switching to car insurance. According to the National Association of Insurance Commissioners (NAIC), a good review of your insurance policy can also save you a lot of money. But what happens when you find another company that offers a lower rate, better service, or any other benefit that you're currently missing? If you want to change your car insurance company, don't worry.
He grew up with insurance talks as part of his daily conversation and has studied to gain in-depth knowledge of the laws and dynamics of insurance specific to each state, as well as a broad understanding of how insurance adapts to each person's life, from budgets to levels of coverage. To compare quotes from different auto insurance companies, enter your zip code on this page to use the free quote tool. You can contact your car insurance company at any time and request that an excluded driver be added to your policy as a registered driver. Bankrate's insurance editorial team, which includes three authorized agents who have helped thousands of drivers change policies, explains the process of changing insurance companies.
Men under 20 pay an average of 14 percent more per year for car insurance than women in the same age group. Even if you are not at fault, most states require insurance providers to submit proof of insurance to the Department of Motor Vehicles after an accident if the police are called. If you receive a letter from your lender or landlord with proof of insurance, contact your financial institution with the details of your new policy or send the letter to your new insurer so that they can update your policy and provide proof of insurance to your lender. Most insurance experts recommend that you contact your current company to cancel your policy when you switch to a new car insurance company.