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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?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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. MORE: How children will affect car insurance rates
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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