How to Add a New Driver to Your Car Insurance Policy

It happens to every parent at some time or another. They watch their children grow from tiny, helpless infants into young adults with their own personalities, opinions and usually an unfortunate desire to be able to drive wherever they please once they reach driving age. Yes, the thought of that helpless little baby you gave birth to speeding along in the family car no doubt is adding to the wrinkles you are developing.

Now, a young driver getting their license is probably one of the main reasons a family or person might need to add a new driver to their car insurance policy. But there are other reasons. You might get married and join your insurance policy into a family plan. Do realize that by getting married, you might just be setting yourself up for having to add your unborn child to your insurance policy one day.

Now, adding a new driver to your car insurance policy will increase your rates, but when you bundle all of the drivers in your family with one company, the cost of doing so will be less than if you got different policies from different companies for every driver in the house. That would also be time-consuming, having to pay four different car insurance bills.

Simple logic dictates that everyone in your household should be covered with one insurance carrier but that doesn't mean it has to be the one you are using now. There are legal obligations for all drivers to have car insurance in most states, but there is no law in this country against you shopping around for the best deal. In fact, being a smart consumer is sort of the American way.

The age of the driver you are adding to your insurance policy is going to have an impact on how much your premiums will increase. Anyone under 25 is considered risky, and if that person is male, they are even worse off. Apparently boys under 25 don't historically have a good reputation with insurance carriers. Could it be all the testosterone?

No matter what the reason, there are some insurance carriers that specialize in helping families with younger drivers get a discount. If you are dealing with a young driver, look into a good student discount if your child is maintaining a solid GPA in school. Details of that discount vary from carrier to carrier.

So once you are ready to sign up another driver, you can call your agent, visit him or her in person or fill out all the paperwork via the internet. You will just need that person's personal information and their driver's license number. Now that wasn't so hard now was it?