From covering a new teen driver or a grown child still living with you to helping out a family member or friend who regularly uses your vehicle, there are many valid reasons to have another driver included on your car insurance policy. However, there are times when it makes sense practically and financially to remove a driver from your auto insurance policy. Here are your options.
Get in Touch with Your Insurance Provider
A quick and easy way to remove a driver from your car insurance policy is to contact your insurance provider. This process is different with each insurance company and may involve:
• Removing the driver via a website or mobile app
• Submitting certain requested documentation
• Meeting specific requirements
Some insurers may not allow you to remove a driver from your policy if it’s assumed the individual could still be driving your vehicle even after being removed from coverage. But if the other driver has moved out of your home, obtained his or her own vehicle, or moved out of state, you should be able to remove the individual from your policy.
Submit Proof of Other Insurance
If a driver still on your policy now has his or her own insurance, your provider may require proof of this coverage. Once you submit proof of other coverage for this individual, you should be able to have him or her removed from your policy.
Submit Proof of Change of Residence
In some cases, you may wish to remove a driver from your policy if he or she moves out of your home and will no longer be using your vehicle. With situations like this, you’ll likely need to provide proof of new residence for the driver you want removed. Such proof could include a utility bill or rent receipt with the address of the new residence on it.
Understand Removing a Child from Your Policy Could Be Tricky
Statistically, teen drivers are more likely to submit accident claims than adults, so removing a younger driver from your policy could add up to significant savings. However, some insurance providers prevent this type of exclusion, since they require all licensed drivers in a household to be included on the policy.
Other providers may charge an annual fee to exclude a teen driver. Even if this is the case, the annual fee is usually much less than what you would save by removing a child from your policy. Remember, the excluded teen driver will still need to obtain coverage if he or she will still be driving.
Consider Certain Factors before Removing a Driver from Your Policy
Yes, you can be rewarded with much lower premiums when a driver is removed from your policy. However, that person may no longer be able to drive any of your insured vehicles, especially if he or she still lives with you. On the flip side, removing a driver could be beneficial if he or she is a riskier driver. Lastly, know that if you have another driver removed from your policy simply to save money, a single accident that occurs while he or she is driving your vehicle could instantly negate your savings potential.
If you need information on any aspect of car insurance, make sure to contact a knowledgeable insurance agent. Whether they need affordable, reliable auto insurance or dependable motorcycle, business, or homeowners insurance, San Diego residents turn to Altra Insurance Services. For high-quality coverage and unparalleled service, reach out to our experienced agents. Call us today at 800-719-9972 to learn how we can help you with all your insurance needs.