It is routine to add a new driver to another person's existing car insurance. Usually this can be done by contacting the insurance company by phone, and some insurers allow the change to be made online. Insurance rates are likely to rise when a new driver is added to the policy.Know More
Because new drivers lack experience, they are involved in more crashes, so insurers usually compensate by charging higher premiums for new drivers added to an existing policy. Despite this, it is often less costly to add a new driver to someone else's existing auto insurance policy than for the new driver to obtain her own policy.
Keep premiums as low as possible by having the new driver use the least expensive car listed on the policy. Ideally, the new driver uses an older car with a good safety record. Insurers may provide discounts for new drivers who have taken a driver education course and achieve good grades in school. New drivers who limit the number of miles they drive may also be granted lower rates. When adding a new driver to an existing auto policy, it is best to obtain quotes from a number of insurers as well as from the current insurer to find the best coverage at the lowest rates.Learn More
According to DMV.org, when an auto insurance policy lapses, the driver is immediately classified as an illegal driver. This classification occurs whether the lapse is intentional or unintentional.Full Answer >
DMV.org shares that car insurance companies determine insurance premiums based partially on the traffic tickets a driver has on record. Typically the more traffic tickets an individual has, the greater the liability to the insurance company. How much the premium increases depends upon the company.Full Answer >
An SR-22 is a certificate that an insurer files with the driver's state of residence to certify that the driver is insured. "SR-22 insurance" may refer to a requirement in some states that a driver must file and carry the SR-22 after certain violations.Full Answer >
According to Esurance, insurance coverage follows the vehicle, not the driver. If the owner of a vehicle allows a person to drive a car whom is not listed as a driver on the insurance policy, the vehicle owner risks liability in the event an accident occurs.Full Answer >