How do I add a vehicle to my car insurance policy?

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Adding a vehicle to your car insurance policy is a fairly uncomplicated procedure; however, as always, the process for doing so varies from company to company and state to state. In most cases, it may be easiest to call your car insurance company as opposed to going online, since you will need to provide a lot of information about the vehicle in question. This information includes the vehicle's year, make, model, vehicle identification number (VIN), license plate number, and exact mileage, along with an estimation of the number of total miles you expect your vehicle will travel annually. Also, you will likely be asked to provide what your vehicle’s primary use will be—the options range from daily commute and recreational use to business and commercial—and you will be asked what kind of insurance options you wish to have on the revised policy.

These factors will then combine to determine your insurance rates. If you have all of this information available, the car insurance representative will likely be able to process your request instantly over the phone. This may be the most effective way of quickly adding a car to your insurance policy; however, you can also make the change online or through the mail.

If you choose one of these options—particularly mail—be warned that your policy may not be effective right away and that the new car may not be legally ready to drive until the request has been processed. It is vitally important that you check with your insurer to ensure that coverage has begun before venturing out on to the open road. Whichever method you choose, you will receive notification through either standard mail or email of the changes to your auto insurance policy.

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