Prestizia Insurance Blog
Having multiple cars in your household can prove to be advantageous especially if you live in an isolated area. However, this also means that anyone can use the cars including your children and an older relative.
If you find yourself in this kind of situation, the smart thing to do is to protect your vehicle from road accidents and damages. You may think that your insurance policy might cover the people living in your home. However, it’s best to check with your insurance agent before learning it the hard way.
To give you an idea, here are some of the drivers that should be added to your car insurance policy.
Parents living with you
Everyone who lives with you and has the capability to drive should be added to your car insurance policy, this includes your parents. Elder drivers are considered as low risk when it comes to car insurance policies because they don’t usually need to drive. This way, you don’t have to worry about the cost of adding them to your policy.
Teenagers within the house.
If some of your children already got their driving license, it’s time to add them to your coverage. Take note, a new teen driver with a new license costs a lot of money in insurance. This is because teens are most likely to be involved in car accidents compared to older drivers.
You might want to consider a collision coverage although you should hope never to use it. A survey says that most of the people involved in fatal car crashes are young adults and teenagers 20 years old and above.
Children Who Are Moving Back Home
Children who move back home are often overlooked when checking car insurance policies. Having your children in the house means they have access to your vehicles and are most likely going to use it. To be on the safe side, you also need to add them to your car insurance policy.
There are times when your child has their own car to use around the city. You may talk to your insurance agent about lowering the additional amount that you need to pay. Remember, they might need to borrow your car from time to time.
Nurses and Caregivers
In situations where you have elder people living in the house like your parents or grandparents, you need to add their nurses to your car insurance policy. This is important especially if your parents use your car and designate their caregiver to be their driver.
If your parents have their own car and insurance, you need to know that the coverage will not be extended when they use your car. Check with your insurance agent and explain the situation before getting a quote.
At Prestizia Insurance, we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (855) 436-6353 or Click Here to request a free quote.