If a driver listed on your policy moves out of your residence, you can generally remove that driver from your car policy. Depending on the insurance company, you may have to prove that they no longer live with you. If the person is still living with you, your insurer may still require that it be listed on your policy. To add a car to your policy, you can update your policy online or call your insurance company.
Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy. You'll likely be asked to maintain a minimum level of comprehensive auto insurance coverage and car collision coverage, in addition to the state-mandated liability coverage, even if you don't drive your car.
You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. 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. You should avoid completely canceling your car policy if you plan to drive again in the future, as a lapse in car insurance coverage will likely result in a higher premium when you start driving again. 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.
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. If you plan to take your car off the roads for some time and don't have a lease or loan, you can suspend some car insurance coverages to save money, without completely canceling your policy. 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. 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 may be able to suspend some or all of your car insurance if you're going to be off the road for an extended period of time, depending on the state and the insurer. Once you're ready to get your car back on the road, contact your insurance company to request the reinstatement of your coverages or policies. However, before you decide to temporarily suspend car insurance, remember that some coverages, such as comprehensive coverage, can protect your vehicle even when you're off the road. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
Next, contact your insurance company to temporarily suspend all or part of your insurance coverage for the period you are not going to drive. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.