If a driver listed on your policy moves out of your residence, you can generally remove that driver from your car policy. Depending on the insurance company, you may have to prove that they no longer live with you. If the person is still living with you, your insurer may still require that it be listed on your policy. To exclude a driver from your insurance policy, contact your auto insurance company.
You may need to fill out and sign a driver exclusion form. However, keep in mind that the rules for excluding drivers vary by insurer and not all states allow drivers to be excluded. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
If you accept two insurance policies for the same car, everything is fine as long as the policies are issued by two insurance companies. When you call for a second car insurance quote, it never hurts to ask for a combined discount if you've already covered your home with the same insurance provider. Owning a classic car or other special vehicles may require a separate policy, especially if you want specialized insurance coverage. Always ask the insurer about the specific requirements of multi-car insurance policies or if you can add a family member's car to your coverage.
For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate. Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. However, it's best to confirm this with your car insurance company, as premiums will be adjusted based on the insurance rates in the zip code where your child stays while in school. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims.
Some insurers will offer residents a discount for several vehicles at the same address, although you may have different car insurance plans. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. After you receive the quote, your insurer will help you follow the steps to buy car insurance online. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.