How Many Drivers Can You Add to Your Auto Policy?

From visiting the Newark Reservoir to taking a long stroll at White Clay Creek State Park, there are so many things to do in and around Newark, New Jersey.  While you're driving from one attraction to another, you'll definitely want to make sure you are driving in a car that has insurance on it.  If you intend on letting someone else besides yourself drive your car, it is imperative to ensure they are covered under your car insurance policy.  Here's a quick look at adding drivers to your policy. 

You can essentially add as many drivers to your policy as you see fit; however, there are a few things to keep in mind.  First and foremost, the primary driver listed on the policy must be the actual owner of the car — meaning the title of the car must be in that person's name.  Secondly, the driving record of anyone you add on as a driver will affect your premium.  

If you intend on letting someone drive your car and you haven't added him or her to your policy, you'll want to contact your insurance company and see if the person can at least be added during the period of time that the person is going to be driving your car.  Some insurance companies will allow you to do this free of charge.  Take for instance that you and your cousin Sally who lives in Minnesota are taking a road trip to Kentucky.  Since it's such a long trip, there's a good chance that Sally will be driving your car part of the way, so you'll want to make sure she is covered on your policy.

To learn more about adding drivers to your auto insurance policy, contact one of our reputable insurance agents today.  This will help you rest assured that you are not liable for property or personal damage if another driver was to have an accident while driving your car. 

Does Past Damage Affect Auto Insurance Costs?

Throughout Irvington, New Jersey, there is a lot of charm to attract tourists and residents alike. The population is around 50,000 and provides a lot of the big city features while still keeping the history preserved. The township was founded in 1692 and there are museums and buildings that help to tell the story of the area.

When you purchase auto insurance, the insurance company is going to look at a few different things prior to quoting you for insurance. This includes any kind of past damage that may have taken place.

Past damage comes in the form of looking at your driving history. If you had a crash in Irvington a year ago, whether you were the cause of the accident or not, it is going to impact the cost of your insurance.

Past damage can also be seen with an inspection. Some auto insurance companies will want you to take your car into a location for an inspection prior to them insuring you. This ensures they can document previous damage to avoid having to pay for something that happened prior to the policy becoming effective.

It’s always a good idea to work with an insurance agent in New Jersey to find out what it’s going to cost to get a policy. If you have had damage in the past, either through an accident or some other event, you will want to make sure it has a minimal impact on insurance costs.

We are independent agents, which means we work with some of the top insurance companies in Texas. This makes it easier for us to search the best deals. We will get quotes from multiple companies so you can compare and make an educated decision on the most comprehensive policy at an affordable price.