Why do I have to add my child to my insurance policy?

I was adding our new van to my insurance the other day and the agent asked who else was in the household. I said no one but my three-year-old daughter—and he wanted all of her info! She can't drive, so why should her information be on my insurance policy?

Answer
It can feel weird having to provide information about your child to your insurance agent, but this is standard practice for some insurance companies.
Each car insurance company has its own rating factors and underwriting criteria, and the age of household residents can be one of them.
Your agent knows that your three-year-old won’t be driving, but in 13 years, she will have a learner’s permit. When that time comes, they will already have her information. Most importantly, having her information on your policy should not change your current rate.
Having her details on the policy now can also save you time down the road if you need to file a claim. If your insurance policy includes medical payments/MedPay, her potential injuries will be easier to pay for.
Not all insurance companies have such rigorous underwriting guidelines, so it may be time to shop for a new insurance company if you aren’t comfortable with disclosing information about your child.
One way to get several quotes simultaneously from different insurance companies is by downloading the free Jerry app. Jerry can provide you with competitive quotes from over 50 insurance companies in under a minute. Swapping policies is just as effortless.
Shannon Martin
Answered on Oct 21, 2021
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