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Who Do Policyholders Need to List on Their Auto Insurance?

couple standing in front of car with keys, who to add to your car insurance

Here’s who you should list on your policy as an additional driver.

When you apply for auto insurance in Carrollton, Texas, your insurance provider will ask you to list all the licensed drivers in your household.  But do you really need to cover all these drivers and is there anyone else you should list on your policy? Here’s what you need to know.

Who do I list?

Generally, anyone living under your roof should be listed on your auto insurance policy.  While these people might not drive your car regularly, they might have to under certain circumstances.  To ensure that your car and these drivers are protected, you must list all licensed drivers, including teens, elderly adults, roommates, and significant others on your auto policy.

Will adding drivers affect my premiums?

Brand-new and inexperienced drivers are considered a higher risk to insure.  Thus, adding these types of drivers to your auto insurance policy may cause your premiums to increase.  Additionally, adding someone with a history of bad or irresponsible driving can also cause your insurance rates to go up.  If you are worried about this rate increase, then you do have an option.  You can list the high-risk driver as an excluded driver on your policy.  This means that the individual is not permitted to drive your car under any circumstances.  If the excluded driver does get into an accident while operating your vehicle, then your insurance provider will refuse coverage for the event.

Should I add drivers outside of my household?

If you are lending your car to someone who lives outside of your household, such as a neighbor or friend, then you do not need to list them on your insurance policy.  In this case, your existing coverage will automatically extend to anyone borrowing your car, so long as you have given them explicit permission to do so.

Is there anyone in my household who I don’t have to add?

You do not have to list children on your auto policy.  However, once your child receives their driver’s license, they will need to be added.  Some insurance companies will even ask you to list unlicensed drivers to your policy if they are adults.  Speak to your insurance provider to find out the details of your coverage requirements.

This is what you need to know about listing additional drivers on your car insurance policy.  Do you have further questions regarding your auto insurance in Carrollton, Texas?  If so, then contact the experts at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.