Household coverage
Every licensed driver in the home belongs on the policy. Leaving one off is the most common and most expensive mistake.
Quote my householdInsurance follows the household, not just the car's title.
Any licensed driver who lives with you and could reasonably use the vehicle generally has to be listed, either as a rated driver or as an excluded one.
Leaving a household member off does not remove the exposure. If they drive and cause an accident, the carrier can deny the claim for misrepresentation.
If you have a driver in the home who genuinely should never drive your car, ask about a named driver exclusion. It is cleaner than hoping the question never comes up.
Pays others when you are at fault. The coverage that protects your assets.
Repairs your car after an accident regardless of fault.
Theft, weather, animals and vandalism. Required by most lenders.
Steps in when the at-fault driver has no coverage or flees.
Immediately. Coverage applies the moment they are licensed, but the rate needs to reflect them or a claim can be denied.
In most states yes, with a named driver exclusion. It is a serious step because it means no coverage at all if they drive.
Usually yes if the college is far from home and they do not take the car. If they take the car, tell the carrier.
The right coverage depends on what the car is worth.
| Vehicle | Collision and comprehensive |
|---|---|
| New or financed | Carry both, the lender requires it |
| Three to seven years old | Still usually worth carrying |
| Eight to twelve years | Run the numbers against the vehicle's value |
| Over twelve years | Often better to drop and bank the difference |
List every licensed driver in the home and we will price it accurately.
