Adding a second car to your insurance policy
If you need to add a second, or even a third base car to your car policy policy, the process is reasonably aboveboard. You ’ ll need to contact your current car indemnity supplier and let them know you want to make a change to your current policy. Most major car policy companies make it easy to do this over the earphone or even in full on-line. Notify your provider that you want to add an extra car to your policy — a second or third car is probably not an issue, but your provider may put a detonator on the sum count of vehicles that can be insured on one policy, so if you ’ ra hop to add a fourth or fifth vehicle, check with your provider to see if that ’ s even possible ; you may have to start a brand new policy alternatively. When adding a newfangled cable car to a policy, you ’ ll need to provide some basic information about both your stream policy and the cable car that you ’ re planning on adding. That includes :
- Your car ’ mho make, exemplar and year
- Your car ’ randomness vehicle recognition number ( VIN )
- Your license plate number
- Your current car policy number
Choosing coverage when adding a car to an insurance policy
You ’ ll besides need to make some decisions about the sum of car insurance coverage you want to have on the extra car. When adding a car to an existing car policy policy, that modern car doesn ’ t mechanically take on all the same coverage options as the early car, or cars, on the policy. You ’ ll have to meet your submit ’ randomness minimum policy requirements. Your indemnity supplier may besides require you to have the same amount of liability coverage on every car on your policy. But other types of coverage, like comprehensive policy, which covers damage to your cable car when it ‘s not being driven, and collision insurance, which covers damage to your cable car from an accident, careless of who was at fault, can normally be set differently for different cars on the policy .
Adding another driver to your insurance policy
While you ’ re adding a new vehicle to your existing cable car indemnity policy, you may besides want to add a newfangled driver. If person else in your family is planning on driving the add car, and they ’ re not already on the policy, you should add them as a breed driver. Adding a newly driver to an existing car policy is besides a reasonably elementary process, but, like with vehicles, there may be a limit on the number of drivers who can be listed on a policy. In ordain to add a fresh driver to your existing car policy, you ’ ll need to give your supplier that driver ’ randomness name, date of parturition and driver ’ s license numeral, a well as any other required information.
The cost of adding a new driver to your insurance policy will depend on a number of factors, including their age, the number of years they ‘ve had their license and their drive habits. If you ’ re adding a adolescent driver to your policy policy, you can expect a bigger cost addition. That ‘s because adolescent drivers are notably more expensive to insure, but there are still ways to save, even with young drivers in the house. ready to shop car insurance ? Start calculator
How long do you have to add a new car to your insurance policy?
When you buy a newly cable car, your indemnity company normally gives you a grace menstruation during which the new cable car is mechanically covered tied though you haven ’ t formally added it to your policy however. This gives you time to drive your new car home from the franchise and get all set up before you contact your cable car indemnity caller to add it to your policy. That grace period may be ampere little as 24 hours or it may be adenine long as one month, but you should check your indemnity company to confirm. During that clock, your new car will automatically be covered by your existing coverage, but if your cable car insurance party doesn ’ deoxythymidine monophosphate offer that provision, you won ’ thyroxine be able to drive the new car off the lot until you ’ ve added it to your policy .
Will my insurance go up if I add another vehicle?
Adding an extra car to your policy may raise your car policy premiums, but it ’ mho normally more cost-efficient than maintaining classify policies for each car and paying multiple premiums. many major car insurance companies offer multi-car discounts for insuring multiple vehicles on the same policy. It ’ south in their best interest to keep you as a customer and to reward you for your commitment .
Easy ways to save money on car insurance
If lowering your monthly premiums is your goal, most car indemnity companies offer lots of available discounts. Look into which ones are available to you and make sure you ’ rhenium save deoxyadenosine monophosphate much as you can. Discounts available through most major carriers include :
- affiliate discounts for members of certain organizations, employees of participating companies or graduates of certain colleges and universities
- Discounts for bundling your car indemnity with home, renters or condominium indemnity from the same supplier
- dependable driver discounts for maintaining a clean drive record for a sealed numeral of years
- adept student discounts for high-school or college-aged drivers who maintain above a sealed grade-point median
- Discounts for going paperless or setting your payments to autopay
- Discounts if you pay your annual insurance premiums all at once, rather of in monthly payments
If you ’ ve looked into all the available discounts and you silent feel that you ’ re paying excessively much for car policy, one way to save is to switch providers, and shop around and compare car insurance quotes from early providers. A Policygenius expert can help you find car insurance coverage that fits your needs and your budget .