The Select Insurance Agency wants you to understand the complexities of your auto insurance so you can drive the roads of Coppell, TX more safely. One thing many people do not understand that can help them is how adding other drivers to your insurance can help you lower your premiums.
You remain the primary driver on the policy. You simply add named drivers to the policy as occasional drivers of the vehicle. It is a good idea to add all of the licensed drivers in a household to the policy.
If someone would typically present a high risk to insure, such as a teen driver, they can lower their insurance rates by adding their parents as other drivers. This works for young adults, too. Those aged 26 and younger can do this to lower their insurance costs.
Conversely, parents adding a teen to their policy will raise their rates since that adds a high risk named driver. The same effect occurs if a spouse adds their spouse who has a poor driving record. Moving violations, DUI’s and an on record accident will result in higher premiums.
Adding your spouse will not negatively affect your rates if you add an experienced driver with a clean record to your policy.
You can add a driver simply by phoning your insurance agent. You will need to provide the full name and driver’s license number of the named driver. Your agent will ask a few questions and get back to you with an updated policy and premiums.
Contact The Select Insurance Agency of Coppell, TX to add a driver to your policy today.