I still remember my days in Texas , where i was on my business summit. i was sitting on back seat of car where i was having some important documents with me. that was 2015. the car insurance was renewed before 10 days. i was in hurry so i insist my driver to drive a bit fast. i knew that has risk but still i was running out of time. i was fortunate enough that i was aware of Adding A Driver To Car Insurance and i added him with my car insurance policy. car got accident with a bike. we were safe but car got damaged. car insurance helped me that time to over come legal procedure as well as recover all car damaged. that was the day i understood how important it was to add a driver to car insurance.
Having a car is good but do you know how important to have an car insurance. If You are driving a car or if someone else drive a car for you both must be insured.Have access to your car and you will have to add someone if they reside with you . Adding a driver to car insurance cost,affect your prices, but it won’t always have a negative impact you spend less, depending upon everyone’s age and driving history you enhance your policy.
Car insurance is not a liability, it is for you and your family protection.Person who drive own car or car for someone need to have an car insurance policy. If Someone has access to your car than you will need to have a car insurance for him or you can add a driver to your car insurance. Read This post till to understand how to add someone to my Car Insurance
Adding a driver to car insurance cost
adding a driver to car insurance cost you a bit more than normal but benefits also please you. Here you have to understand before Adding a driver to car insurance cost Part- The cost calculates in 2 ways if you add any driver to your Car insurance
- If Your driver is an experienced and have a clean record to your car insurance policy typically will not cost you more money, Your insurance agent can explain you more in detail, So it depends on driver skill how clean record he has. More cleaner is the record , less cost you have to bare to add a driver in your car insurance.
- If your driver is an experienced, But has accidental background. This mean if you add a driver to your Vehicle insurance policy who has Involved recent accidents or any kind of traffic violations, the insurance company or Insurance service provider may charge you more.
Does car insurance cover the car or the driver
This is the great myth about car insurance. i was too dilemma while buying an car insurance policy, Even I was One Step Ahead than this, But when i read all my car insurance policies carefully i found the correct answer
The answer to whether insurance follows driver or the car is dependent upon several factors the sort. There are policies that follow Driver policies and the car that follow the motorist. Generally speaking, auto insurance follows the car rather than the driver, since policy and insurance laws vary depending on coverage, the coverage and condition being dealt 38, however, the particulars of a claim can differ.
car insurance follows the car
This is only a myth that car insurance covers drivers too. if you still think so, some day you will be hanged by the police. So you must think before giving your car to someone no matter for one hours, one day, one week, one month or one year, the important thing is that you are also offering your car insurance with your car. Excluding a Driver could cost you as you can see. To be certain that you’ve got maximum coverage under all conditions, consider listing all household members residing with you in your policy.note that all members of your family with access to your car must be listed on your policy. Needless to say, if resident relative or your spouse has auto insurance plan and her or his own vehicle, it is possible if your state permits to get an exception.
Temporary additional driver insurance
Lets say my driver who was added to my car insurance went out or stuck with some medical conditions or Cant come for a month…Now?
Should i lend my car to someone who doesn’t have insurance or any household who is not listed in my car insurance policy. No dont dare as i have already said how Does car insurance cover the car or the driver. Here is the temporary solution for your temporary need and that is Temporary additional driver insurance
What is Temporary additional driver insurance
Short term auto insurance or car insurance is for when you may require insurance on a car for a brief period of time. An alternative to adding a driver to your current policy would be to take out another temporary auto insurance plan , covering from one to 28 days. Auto car insurance is a temporary method to insure a vehicle that you’re driving, whether it’s your own car, a rental, or a vehicle that you’re lending to or borrowing from somebody else.
Who need this Temporary Car Insurance?
There are many incident where you may required to have an Temporary car insurance or temporary driver car insurance. here i am gonna list few of essential events where i felt Temporary car insurance is the only option.
- Frequent Traveler : who visit countries to counties for short period of time, spend time there and getting the car to their convenient, as i have already told getting the annual car insurance may cost you too much so in this cast if you are somewhere for short period of time the best solution here to get temporary car insurance or temporary driver car insurance
- Ride sharing Services : People Who Usually use ride sharing service They Dont Need any car insurance while they are sitting on back seat. But Those Who are driving Need car Insurance, When they dont own Their own car
- People who are in-between cars, Borrowing cars from friends , family members For specific period of time, Or rent a car to drive. especially people who dont his/ her own car but driving cars whether its a borrowing one or friends car, they need a driver insurance before they drive
- Individuals who are driving rental cars on and off several occasions or for a month or two, and would like to utilize a temporary auto insurance to prevent high rental company insurance prices, and don’t have their own permanent auto insurance.
- People who are using cars to resell them, Or many people change their cars too frequently they use them for short span of time and than they sell them to buy another one. If these are the circumstance, We have a wonderful suggestion for you which will help you reduce your car insurance cost , and you wont have to search for cheaper car insurance or cheapest car insurance.
Want to Know What is that ……………?
Many Car Insurance Companies offer temporary car insurance means they allow you to add a temporary car to you existing policy, in this case if you can add your car to car insurance policy you dont need to buy a new policy. isn’t sound amazing, This will save huge from in pocket, best thing is that they also offer to add multiple cars in car insurance policy and do offer multi car discount when you add second car. once you plan to sell your car you dont need to pay penalty too Because it wont be termination of policy you are just gonna remove one car from policy.