Do I need to add my 16-year-old to the insurance for all of my cars or just the ones he’ll be driving? My son is getting ready to start driving, and I have three vehicles: an SUV, a sports sedan, and my wife’s car, which is already on our policy. I’m planning to get him his own car, but he might also use the SUV from time to time. So, do I need to include him on the insurance for all three cars, or just the two he’ll be using?
Does my 16 year old need to be listed on all cars I own or just the ones he’ll be driving?
When it comes to adding your 16-year-old to your insurance policy, it’s generally best to add him to all vehicles he might potentially drive—not just the ones he will be primarily using. Insurance companies typically require that any licensed driver in the household is listed on the policy for any vehicles they might have access to.
Since you mentioned that your son will have his own vehicle but may also drive your SUV occasionally, it’s a good idea to add him to the policy for all three cars. This ensures that he’s covered in case of an accident, whether he’s driving his own car or one of yours.
It’s also worth checking with your insurance provider for specific policies and coverage requirements, as they may have different rules regarding additional drivers. Additionally, you might want to ask about any potential discounts for adding a young driver, as some companies offer savings for safe driving courses or good grades.