How do I insure someone else on my car?

I'm having my brother move in with me, so he might use my car on occasion. How do I insure someone like that?

Answer
Good call adding him to your car insurance! Many insurance companies require you to list anyone who lives in your home with a valid driver’s license on your policy.
Before adding your brother, you should know that adding a driver may impact your rates. Insurance companies determine rates based on the likelihood of someone making a claim. So, if he’s older and has a clean driving record, you may save money—and gain peace of mind—by adding him to your policy. The reverse could also be true. If he is younger and has tickets or accidents on his record, your rate could increase.
To find out what your rate will be, you’ll need to get a quote from your insurance company. Most major insurance companies allow you to add a driver to your policy online or by calling and providing them with information about the driver, including:
  • Name
  • Date of birth
  • Social security number
  • Education level/current occupation
  • Recent traffic incidents/tickets
With this information, your insurance can give you an updated rate, reflecting the addition of your brother to your policy.
If for some reason, your rates increase substantially after you add your brother, it might be more economical for you to search for a new insurance policy. The Jerry app can help you find the best rates with top insurance providers. Sign-up only takes 45 seconds and the average Jerry customer saves $879 a year!
Matthew Macgugan
Answered on Oct 20, 2021
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