Adding Extra Drivers To My Car Insurance Policy

​Your car insurance can keep you protected if accidents on the road occur. It may also protect anyone that uses your vehicle. Individuals who drive your car may be insured by becoming additional drivers on your insurance policy. If they get into an accident while using your car, they are likely to be protected. Here are some points to know more about how adding extra drivers to your policy works. 

Who You Can Add
Different instances will prompt you to add individuals to your policy. They can be your significant other, roommate, spouse, teenage children who have licenses, housekeeper, or work driver. Generally, you can add whoever drives your car regularly. Also, you can add people who are not living with you as long as they have regular access to your car. 

How Can They Be Added?
Typically, you can add drivers to your policy either online or by phone call. Basic information about them is needed. You might have to know the following details about them:

• Name  
• Birthdate
• Driving history and experience  
• License number 
• Gender and occupation 

Who Can't Be Your Extra Drivers
Individuals who do not drive your vehicle regularly are not qualified to be extra drivers to your policy. They can be a guest or a family who borrowed your car for a moment. Your roommates who already have their cars and coverage do not also need to be included in your insurance.   

Additional Costs  
Commonly, adding extra drivers may need you to pay additional premiums. But it still depends on who you're going to add. For example, planning to cover a teenage child on your insurance may cost you more. It is because they are more prone to accidents. Contrastingly, if you add a person who has a clean and safe driving history, you can save money on your coverage. 

Conclusion
Although additional payments are to be made when adding extra drivers to your policy, it's still worth the fee. It saves you the trouble of spending money when someone gets your car in a road crash.  

​At UG Insurance Brokerage Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (718) 848-7777. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!