If you need to add someone to your auto insurance, do it right. Making any mistakes to your auto insurance policy can cause a lot of problems for you. In fact, it can affect your own coverage. Don't take chances. Here are four things you need to do before you add someone to your auto insurance.
1. Know the Requirements
If you plan to add a driver to your insurance policy, you need to know the requirements. Insurance companies have specific criteria for their policies. They won't allow you to add someone to your insurance unless they fit the criteria. First, the other driver needs to live with you. Second, they need to have a driver's license. Finally, they need to have access to your car. If the other driver doesn't meet those criteria, don't add them to your policy.
2. Consider Alternatives
If you need to add another driver to your insurance policy, consider the options first. If the other driver has access to their own car, it might be better for them to have their own policy. This is true even if they'll be driving your car from time to time. Or if you plan to pay for the other policy. You may save money putting them on their own policy. Not only that, but their accidents and tickets also won't count against your insurance rates. Avoid hassles and headaches. Consider the options before adding someone to your auto insurance policy.
3. Get a DMV Printout
Now that you plan to add someone to your auto insurance, get a DMV printout. You may think you know their driving record. But, that might not be the case. Even friends can hide driving blemishes from you. If you don't know their driving record, you could end up with a ding on your own insurance policy. The best way to avoid that is to get a printout. The DMV printout gives you all the information you need. Once you have that, you can make an informed decision about your insurance policy.
4. Insist on Training
Finally, before you add someone to your auto insurance policy, insist on training. They may have taken driver training in school. But, that doesn't mean they've learned how to be a defensive driver. That's where training comes into the picture. Advanced driving schools provide training to ensure safety on the road. Also, most insurance companies offer discounts for completing advanced training programs.
Learn more about auto insurance by contacting companies like Illinois Insurance Center Inc.