Navigating car insurance can be tricky, especially when you need coverage for multiple drivers. Whether you share a car with family members or roommates, understanding the costs and benefits can save you money. At American Auto Insurance, based in Chicago, Illinois, we pride ourselves on offering the cheapest local car insurance. We can help answer all your questions, including those about SR22 insurance. Let’s dive into the details of car insurance for multiple drivers and how it impacts your wallet.
Can Multiple Drivers Share the Same Car Insurance Policy?
t’s common to have multiple drivers on the same car insurance policy, especially for families or households with more than one driver. Adding all drivers to a single policy can often lead to multi-driver discounts, saving you money. To add someone to your insurance, they typically must live at the same permanent address, with an exception for college students. Additionally, you can choose to add insurance for drivers on multiple cars, which is helpful if you and your spouse each own a vehicle. Typically, multi-driver insurance policies allow coverage for up to four drivers.
Can I Add a Driver to My Existing Auto Insurance Policy?
You have the option to add a driver to your current auto insurance policy, and the process is quite simple. Just follow these steps:
- Contact your insurance provider: Once you’re ready to add a driver to your policy, contact your insurer to make the request.
- Provide the necessary information: When adding a new driver to an existing policy, most insurance companies will require access to the individual’s driver’s license, address and ZIP code, driving record, claims history, credit score, and date of birth.
- Review the updated policy: After adding the new driver, your insurer will issue an updated policy and premium. Take a moment to review both to ensure they meet your requirements.
- Compare car insurance quotes: Once you’ve checked the updated policy, compare quotes from different insurers to confirm you’re receiving the best coverage at the best price.
At American Auto Insurance, we simplify this process for our customers in Chicago and throughout Illinois. Adding a driver may impact your premium, but it’s often more cost-effective than having separate policies. It’s a smart way to guarantee that everyone in your household has insurance coverage.
Will My Insurance Rates Increase if I Add a Named Driver With a Ticket?
Adding a driver to your insurance policy who has previous moving violations, such as speeding tickets, is likely to lead to an increase in your premium.
Among moving violations, DUI/DWI is considered the most severe. On average, a driver with a DUI can expect their full coverage car insurance to increase to $4,840 per year. Compared to the $2,542 per year paid by a driver with a clean record, a driver with a DUI pays 90% more for coverage. As a result, adding a driver with a DUI or DWI to your policy will almost always lead to a rate increase for at least three to five years, if not longer.
What Documents Do I Need To Add a Driver to My Policy?
Adding a driver to your policy requires a few key documents. First, you’ll need the new driver’s license information. This includes the driver’s license number, date of issue, and expiration date. You may also need the new driver’s Social Security number. Additionally, some insurance companies might ask for proof of residency, especially if the new driver lives at a different address. Having these documents ready can speed up the process. Our team is always here to guide you through any paperwork requirements.
What Is the Maximum Number of Drivers per Auto Insurance Policy?
The maximum number of drivers you can add to a single auto insurance policy varies by insurer. Some companies may limit the number to four or five, while others might allow more. It’s essential to check with your insurance provider to understand their specific rules. Having more drivers on a policy can lead to higher premiums, especially if the added drivers have less-than-perfect driving records.
At American Auto Insurance, we provide flexible policies and affordable rates to accommodate all drivers. We can discuss your needs and determine the best approach to ensure you get the coverage you need, regardless of the number of drivers involved.
What Happens if One Driver Gets a Ticket?
If one of the drivers on your policy gets a ticket, it can impact your insurance premium. Traffic violations typically lead to higher premiums because they indicate a higher risk of accidents. The specific increase will depend on the nature of the violation and the driver’s history. For example, a minor speeding ticket may result in a small increase, while a DUI can lead to a significant hike. In Illinois, it’s crucial to maintain a clean driving record to keep insurance costs low.
What Are Special Considerations for Car Insurance for Multiple Drivers?
When insuring multiple drivers, several special considerations come into play. First, you need to think about the primary driver. This is the person who uses the car the most and whose driving record will significantly impact your premium. Additionally, consider the coverage levels you need. With multiple drivers, it’s often wise to opt for higher liability limits to protect against potential claims.
In Illinois, you must also consider state-specific requirements such as SR22 insurance for high-risk drivers. At American Auto Insurance, we specialize in providing affordable SR22 insurance. Our team can tailor a policy that meets both state regulations and your unique needs, ensuring all drivers are adequately covered.
Find the Best Auto Insurance Rates
Finding the best auto insurance rates for multiple drivers doesn’t have to be a hassle. At American Auto Insurance, we’re committed to helping you secure the most affordable and comprehensive coverage. Our team in Chicago is ready to assist you with all your insurance needs, from adding drivers to understanding SR22 requirements. Contact us today to learn more about our competitive rates and exceptional service. Together, we can ensure you and your fellow drivers are well-protected on the road.
A Couple Talking to a Car Dealer by Antoni Shkraba is licensed with Pexels License
