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Can I add someone to my car insurance who doesn't live with me?
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Life would be so much easier if we could just add our friends and family to our car insurance policy and split the costs. But unfortunately, paying for insurance rates is not like paying for a Netflix subscription. Car insurance coverage is necessary for all drivers but has its own set of rules. Even if other people drive your car, you need to check if you can add them to your policy.
Insurify is here to help you figure out who you can add to your own insurance. In most cases, companies will require that people on the same policy all live at the same residence. In any case, our auto insurance comparison tools can help you get side-by-side comparisons of car insurance rates from the best companies to make sure that your loved ones don’t go uninsured.
No one should have to run the risk of going without insurance, coverage, or peace of mind. Insurify put together a list of the cheapest car insurance companies for policies with multiple drivers. This way, if you want someone to drive your car, you can do so knowing they’re safe.
|Insurance Company||Monthly Quote for Multi-Driver Policies|
In most instances, a driver’s insurance policy will cover just them. Since there are always coverage limits to a policy, the main rule of thumb to follow is that anyone who lives at your address and uses your car can and should be included on your car insurance policy. In most cases, this is a family member, partner, or in some instances, even a roommate.
But what happens in special cases where you need to cover someone you don’t live with? This can be a child in college who uses your car when they’re home. Sometimes, we let our friends and other adults use our cars, too. Or what happens if you’re going through a divorce and are unsure of which spouse should be responsible as the policyholder for your dependents?
It may be helpful to talk to an insurance agent to check your options for who your policy covers, especially in these special situations. There are a number of exclusions when it comes to auto insurance coverage and you do not want to be left paying out of pocket in the event of an accident or covering medical expenses if you are not the person driving your own vehicle.
Many insurance companies allow roommates to share a policy, even if they use separate cars. The main rule here is that both cars are parked at the same address. Insurers can also provide coverage for using a friend’s car, but only if everyone is listed on the same address and on the same policy. Other people you let drive your car count as excluded drivers and are not covered.
In other cases, you can purchase a special add-on to your car insurance policy called permissive use. This means that you give your permission to let another person—who does not live at the same address as you—drive your car. For example, if you let your friend borrow your car while you are away on vacation and you bought permissive use, then they are covered.
The main thing to know is that your car insurance policy covers you and not your car. Unless you’re on your friend’s insurance, then you are not covered when you drive their car. Every state law requires anyone driving to have a valid driver’s license, but auto insurance is not required. Make sure that whoever you let drive your car is covered by your policy or their own.
There are dangers of letting other people use your car. Policy limits exist, and these limits make it difficult to get the coverage you need when someone else causes property damage or gets into a car accident with your car. Even worse, people who drive your car and are not covered will not be helped if they need to pay for medical bills or other accident-related expenses.
It is important to consider getting multiple types of coverage for not only yourself but for anyone else you put on your policy. This way, you all have access to primary coverage in the case of an accident. Different insurance carriers have different options of customizing your auto insurance policy to your lifestyle.
Examples of coverages you can consider are:
In certain cases you can add someone you don’t live with to your car insurance policy, like a child away at college. However, most of the time people on the same insurance policy must live under the same roof.
Before adding anyone to your car insurance policy, you should be aware of how it can impact your deductible. Insurance providers take the driving history of everyone on the policy into account, so if you add your teen driver who has been in three accidents, expect your insurance premium to rise significantly. Try to check that whoever you add has a good driving record.
In any case, there are special exceptions for people you can add to your car insurance policy even if they don’t live with you. Here’s a list of people you can—and cannot—add to your existing car insurance policy:
Adding another driver to your policy has its pros and cons, but Insurify can help you make sure you are doing everything to get the cheapest possible rates—no matter who you’re adding.
Car insurance companies will always take the unique driving history of each person on the policy into account. If you add your roommate who has gotten into three car accidents in the last year onto your policy, then chances are, you will see your premium skyrocket. The easiest way to save on your car insurance premium is by making sure everyone has a clean driving history.
If you add an additional driver who also has their own car to your policy, then you will most likely pay less than if you had two separate policies. This way, you do not constantly have to worry about coverage for or damage done to your own car.
Policyholders with students, rejoice! In those tricky situations where you might have a child away at college who uses your car when they’re home or you and your partner are divorced and unsure of which policy your child should be on, many insurance companies offer discounts for policies with students on them, like benefits for students away from home or good grades.
The easiest way to save money on your car insurance policy is by shopping around for the cheapest rates! The same person can get a variety of costs just by collecting quotes from different insurance companies. Insurify is the best place to collect and compare multiple quotes to make sure you’re getting the best, most affordable car insurance rates.
It can get tricky trying to add your loved ones to your car insurance policy. In any case, no one should run the risk of driving uninsured. Multi-driver policies are great options for adding people—typically those you live with—to your policy.
If you want to find the best rates, Insurify has you covered. You can compare the cheapest car insurance quotes from hundreds of different insurance companies in a matter of minutes, and all for free. Get your free quote today!
Yes, you can, but only under special circumstances. In most cases, you need to share an address with someone—like a family member, significant other, or roommate—in order to add them to your insurance policy.
Not usually. The car is not what is insured—it’s the driver. If the owner of the car has an insurance policy for their vehicle, each driver also needs to have their own insurance, either through their own policy or be added to the car owner’s policy.
Typically, you can add anyone you live with to your policy! Ask an agent about special cases like children away at college, long-distance partners, or caretakers and nannies. You cannot add your friend who lives down the street or your adult child who has moved out.
Insurify is the easiest way to find cheap rates for multi-driver policies that offer excellent coverage. We show you side-by-side comparisons of the best rates at no cost to you.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.