Compare the Best Car Insurance for Families

Most auto insurance companies let customers combine up to four vehicles and four drivers on the same policy, and some will allow even more. What’s even better is that having multi-driver or family car insurance can cut your insurance costs and get you auto insurance discounts. If you and your family live together, it will most likely be cheaper to have a single car insurance plan.

It could make sense to have two separate policies if one family member’s driving record isn’t up to par with the rest. However, if you only have one car, having multiple policies can complicate the claims process and is typically not advisable. With Insurify, you’ll only need to provide information about your family once to see cheap insurance quotes from many companies.

Companies Offering Multi-Vehicle and Multi-Policy Discounts

Is it cheaper to put my family on one car insurance policy?

If multiple members of your family need insurance coverage, you’ll save by choosing a multi-driver policy over separate auto insurance policies for each person. And if you have more than one car, multi-car discounts can save you between 10 and 25 percent on average on your auto policy.

While everyone in your family will be covered by liability coverage, you can tailor collision and comprehensive coverage to meet your needs. For example, you might want more coverage for your brand-new car than for the old one you handed down to your teen. Or you might want emergency roadside service for your teen driver but may not need it for yourself.

If you want to save even more money on insurance, consider bundling your car insurance with another policy, such as your home or renters insurance. You can expect a 10 to 25 percent discount from most companies for bundling. Just make sure it’s cheaper than getting your policies from two different insurance companies.

What if someone in my family has a bad driving record?

Even if you have safe driving habits, accidents happen. But insurance companies consider drivers who have been in collisions riskier to insure, which could drive up the total cost of your family policy.

Inexperienced and new drivers are also considered high-risk. If someone in your family (or your roommate) has a particularly bad driving record or is high-risk, you might save money by excluding that person from your multi-driver policy.

However, most drivers under 18 can’t purchase their own policy. Moreover, in many states, parents are legally liable for the actions of their minor children. So regardless of the insurance option parents choose, they can still be sued for any damages that occur while their child is behind the wheel.

That’s why it can be safer to add your teen to your family policy. Generally, if your teen gets in an accident while on your family policy and you are sued, the insurance company has the “duty to defend” you. Your insurance company will try to settle the case for less than your policy limit.

However, if your teen driver has a separate policy and gets into an accident, your family’s auto insurance may not offer any protection for you in case of a lawsuit.

You should research the laws in your state before purchasing a solo policy for your teen, even if it would save you money. Age limits vary by state, as do limits on what damages can be collected from parents and guardians. For example, you could be liable for up to $25,000 if your child under the age of 18 causes damage while driving in California.

It’s also possible that you have an adult driver without a clean driving record in your family. You can compare auto insurance rates with Insurify to see if it would be cheaper to exclude that driver from your family policy. Remember that you’ll still need to get insurance coverage for that driver, so be sure to add up the total cost when making your comparison.

The Best Way to Save on Car Insurance for Families

The best way to find the cheapest auto insurance rates is to compare personalized quotes for coverage from multiple insurance companies. You might find some stellar multi-car insurance policy discounts, or you could find that it’s cheaper to get a separate policy for one family member from a different insurance company.

You may have to run a few searches based on different scenarios to see the best path forward. But Insurify makes the process of comparing car insurance quotes so easy that a distracted teen could do it. You’ll just need to provide some information about your family and their driving histories to get started. From there, you’ll be able to compare rates across multiple insurance companies.