Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you. Since companies may vary as to the exact process, check with your insurer for more details. When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy.
Generally, your insurance company will need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles. To exclude a driver from your insurance policy, contact your auto insurance company. You may need to fill out and sign a driver exclusion form. However, keep in mind that the rules for excluding drivers vary by insurer and not all states allow drivers to be excluded.
You can easily add the vehicles you own to your existing insurance policy. Depending on the state and the insurer, you may also be able to insure someone else's vehicle if you keep it in your home and the landlord lives with you. For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. An excluded driver is a person in your household who has been explicitly excluded from coverage under your auto insurance policy. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.