Do I need to insure all the drivers in my household?

Most car insurance companies will want to know all the licensed drivers who live in your home.

Why?

Because there's a reasonable possibility they may hop behind the wheel of your car(s). To an auto insurance carrier, insurance is all about measuring risk. It's difficult, for a carrier to accurately determine the risk involved with insuring you if they don't know who else may be driving your car.

Remember, in most situations, your auto insurance policy will cover whatever happens with your car, even if you're not driving it. So, let's say you have teenagers in your home who have their own car insurance coverage. Should they drive your car and cause an accident, this will likely be reflected on your insurance policy.

Auto Insurance Policy Exclusions

Now, you can ask your car insurance provider to exclude certain drivers living in your home from being listed on your policy.

If your insurer agrees to this, you better make sure those individuals never drive your car. If they do and get into an accident, your carrier will likely refuse to pay for the damages caused.

Finding Affordable Car Insurance Coverage

If your insurer decides to raise your premiums by a hefty amount because of other drivers in your house, it may be time to go online and compare car insurance quotes. Car insurance carriers sometimes view risk differently, so you may find an insurer who will offer you insurance coverage for a more modest fee.

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