Log in to your policy at any time to add or remove vehicles or drivers, change addresses, pay bills, and more. Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you. Since companies may vary as to the exact process, check with your insurer for more details.
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.
To exclude a driver from your insurance policy, contact your auto insurance company. You may need to fill out and sign a driver exclusion form. However, keep in mind that the rules for excluding drivers vary by insurer and not all states allow drivers to be excluded. The insurance company and the insured will pay the chosen appraiser and bear the costs of the appraisal and the arbitrator.
An excluded driver is a person in your household who has been explicitly excluded from coverage under your auto insurance policy. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. 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. 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.
For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate. You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver.