Basic Steps for Adding a New Driver to Your Auto Insurance

Adding a new driver to your insurance policy is crucial as soon as they start using your vehicles regularly.

Auto insurance is designed to protect you and others on the road, and every licensed driver in your household must be included in your policy.

If an unlisted driver in your household gets into an accident, your insurer might not cover the damages, leaving you financially responsible.

This will affect your premiums, but it also ensures that everyone behind the wheel is properly insured, keeping you compliant with legal and contractual obligations.

Contact Your Insurer When You Start Adding a New Driver

The first step to adding a new driver to your auto insurance is contacting your insurance provider. Most insurers allow you to add a driver online or over the phone, making the process simple and convenient. You’ll need to provide details about the new driver, including:

• Name—Include their full legal name as it appears on their driver’s license.

• Date of birth—This helps insurers assess the driver’s risk profile, especially for younger drivers.

• Driver’s license number—A current and valid license is required to add someone to your policy.

• Driving history—The insurer will consider your record of accidents, tickets or violations.

How a Driver’s Age Impacts Premiums

One of the most significant factors affecting your auto insurance premium when adding a new driver is their age. Younger drivers, particularly teens, are typically considered at higher risk due to their lack of experience behind the wheel. As a result, adding a teen driver can cause your premiums to increase significantly.

If you’re adding a teen or young driver, having them complete a driver’s education course can help lower insurance premiums. Many insurers offer discounts for drivers who have completed an accredited course because these programs teach essential skills to help reduce the likelihood of accidents.

Contact Us

Contact All American Hallmark Insurance LLC in Corpus Christi, Texas, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.