Multiple drivers in the same house are usually covered under the same car insurance policy. Typically a family will take out one insurance policy and include all drivers and all cars on the same policy. In fact, the standard for most insurers is that all related drivers within the same household are covered under a car insurance policy, as are friends who have been given permission to use the car by one of the named insureds.
However, this is not always the case. There are many situations in which a driver can and should be excluded from coverage.
Read on to learn the various multiple driver car insurance scenarios and then be sure to enter your zip in for a free car insurance comparison!
Covering Multiple Drivers
When you are shopping for car insurance quotes, you will find that insurers want to know about your vehicles, where you live, the coverage you need and personal information, including driving records for you and all other drivers in your household. This is so they charge accordingly for the actual risk they are taking.
Each driver has his or her own driving record and must be evaluated on what it contains, as well as other factors. A 40 year old woman with an impeccable driving record will have a very different rate than her 18 year old son with an impeccable driving record, or her husband of the same age who has a DUI charge. Insurance companies take on the risk of your vehicle being involved in an at-fault car accident and must therefore know the details of all drivers in your home so they can accurately evaluate that risk.
Typically, an insurance policy covering all the drivers and vehicles in the house will mostly reflect the cost of the driver who is deemed the most expensive to insure. However, you may be able to control such costs if you have a young driver who happens to be living out of town for college. In this case, you can have coverage for that driver only when he or she is at home.
If you try to avoid higher premiums by omitting information about other drivers living in your household, you may experience some problems. Any claims arising from accidents involving the omitted driver will usually be denied. The insurer can charge you retroactively for coverage on the omitted driver. Your policy may even be canceled retroactively due to non-disclosure. Having a policy cancelled for such a reason makes it very difficult to obtain another policy with a mainstream insurer.
Sometimes a driver simply has a driving record that is too poor and your insurance company will refuse to insure him or her. This often results from DUI charges, multiple accidents or multiple tickets. Young, inexperienced drivers may also earn this status from fewer, less serious incidents. If this is the case, you still may be able to insure your vehicle through a mainstream insurance company, but with a named driver exclusion.
Basically, if you have an excluded driver in your household, any accidents for which that person is responsible will not be covered by the insurance company. You will, however, still be personally responsible. Excluded drivers can always get coverage through their state’s high risk pool, which provides for such situations. This type of coverage is very expensive.
Named driver exclusions are an excellent way to save on your car insurance premium. If the excluded driver goes 3 years without convictions, he or she will likely be eligible for inclusion on the regular policy again.
Getting Coverage For Multiple Drivers
When you are looking for coverage for multiple drivers, it is important to remember several guidelines:
- Always be truthful with insurance agents.
- Ask about the different types of discounts available.
- Find out if a named driver exclusion is a good option for your policy.
- Check out the financial stability and customer service record of any company you are planning to do business with.
Above all, you should shop around carefully when you are looking to buy any type of car insurance. There are many different companies on the market and each does things a little differently, so you should expect to find different prices and different policies. Ask about details if you are in doubt and always read the fine print of your policy to make sure you have the coverage you want and expect.
Multiple Driver Car Insurance Quotes
Get started today with a variety of quotes to compare and contrast, by using our free online quote tool. These tools allow you to quickly and effectively get multiple quotes from different insurers providing coverage in your area. You simply input demographic information and driving history for each of the drivers in your house, as well as specifics about your vehicles, their uses and the type of coverage you want. The quote tool will submit your information to insurance companies and before you know it you’ll have the quotes you need to find the right policy. Enter your zip code to start the process now!