Yes, the driving record of every licensed
driver in your household who is named on your policy is included in calculating your policy's rates.
Finally, those who have licensed teenagers or
child drivers in the household will want to ensure that they check up on both the state's requirements and the insurance company's.
Many insurance companies require you to add all licensed
drivers in the household onto your policy, so you may be insuring your spouse or child twice if he maintains a separate policy.
For instance, a teen
driver in the household with a separate auto policy is often eligible for the parent's home multi policy discount if insured through the same insurance carrier.
They are listed usually only so that the insurance company will know
which drivers in your household will be driving your car (for reasons mentioned above).
Further if you have multiple vehicles and multiple drivers in your family you can further save if each
primary driver in your household takes the same approved defensive driving course.
These can include the type of vehicle you drive, whether you have new
teen drivers in your household, the amount of coverage you choose and your deductibles.
You'll fill us in with some information about yourself and any
other drivers in your household, the type of car or cars you'd like to insure, a few other details.
For example, the number
of drivers in your household that need to be insured, their ages and driving records will all affect the premium you pay.
Make a mental note of any circumstance that could affect your car insurance premium, such as recent accidents or
teenage drivers in your household, as this will be important as you are getting quotes.
Information (such as the age, sex, and driving records) about all licensed
drivers in your household unless you are specifically excluding them from coverage on your policy
Driver's Education Discounts: By having any young
drivers in your household complete an approved driver's education course, you can earn up to 10 % off of your auto insurance premium for any young drivers on your policy.
Life changes like moving, buying a house, getting married, having a new baby, or having a new
teen driver in the household can affect your insurance needs — and the price you pay for coverage.
The type and amount that is right for you depends on a number of factors, such as whether you have a
teenage driver in your household and how much liability coverage you want as financial protection.
You'll also be asked to give the names of
other drivers in your household, and to list any incidents such as claims, accidents or citations you've had in the past five years.
If you are a new driver or have
new drivers in your household many insurance companies will offer additional discount with the proof of completion of a Drivers Education Course.
Even so, based on your original agreement with your insurer, you still have a responsibility to notify them there is now a Learner's / G1
licensed driver in the household.
MyKey is a very interesting safety feature and certainly brings peace of mind for parents looking to loan out their car to new
drivers in the household — though its restrictive nature means it's perhaps not as popular with said drivers.
The InTouch system can also be customized to recognize up to four different keys, so
each driver in the household can set up his or her own preferences.
And we know how stressful and expensive it can be having a teen
driver in the household.
In Illinois, it's quite likely that if you maintain two policies, one or both policies will find the other
driver in the household and want to add them to your policy because they could drive your car — even if they don't.
However, even if you do not carry bicycle insurance, you can still typically qualify to file a ICBC claim if
a driver in your household named you on his or her Part 7 certificate or if the driver was at fault for your accident.