So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy. Most insurers allow up to four drivers on a single policy. Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy.
The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver. For example, if you are responsible for 25% of a car accident, the driver who is primarily at fault may only have to cover 75% of your medical and car repair bills. CSAA and GEICO offer the cheapest car insurance to California drivers with a previous fine or accident, while Mercury and GEICO offer the cheapest rates to drivers with a DUI. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. Teens are charged the highest car insurance rates of all age groups, because they have the highest accident rates. GEICO offers the cheapest full-coverage auto insurance in California, beating CSAA and Progressive for the best price. The California Low-Cost Auto Insurance Program (CLCA) offers affordable car insurance to good drivers and new drivers who meet income requirements.
The difference in incidents for each age group is often why younger drivers pay more for car insurance. Liability insurance covers the costs of medical treatment and repairs to other people's cars because of an accident you cause. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
California uses an online system to check the status of your car insurance and follows comparative fault laws to resolve claims for injuries and damages from car accidents. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience. Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions so that your teen has the right coverage.