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If you have a family member who drives your car on a regular basis in Wayzata, Minnesota, it’s generally a good idea to have them listed on your auto insurance policy. This helps protect your vehicle in the event of an accident and makes it easier to cover incidents such as windshield damage, plus it also protects those behind the wheel. However, you might be wondering whether adding an additional driver or two will have any effect on your premium.
Placing additional drivers on your policy can potentially have an effect on your premiums, based on the number of drivers added and their driving records. For example, adding a driver who has received several speeding tickets in the previous year will likely cost your premium to increase, whereas adding an older driver with a spotless record may trigger a reduction in your premiums.
Each insurance provider has its own method of calculating a premium for each auto insurance policy. In addition to driving records, the provider may also take into account the type of vehicle to which additional drivers are added and average annual mileage, just to name a few additional factors.
Don’t forget that if a family member has their own auto insurance, their policy is likely to cover them if they occasionally drive your vehicle. By talking to an independent agent, you can find out more about how adding family members to your car’s coverage affects your policy. It’s important to get in touch with us for more details on your specific policy.