Shared decisions and responsibilities change as relationship status changes as well. Among the common considerations, one of the frequently asked questions is: Can I add my boyfriend or girlfriend to my car insurance? Whether both parties are planning on sharing household expenses, living together, or are in a committed relationship, it is important to know the implications of this decision. This is why in this guide; we will be exploring the complexities of adding your boyfriend or girlfriend to your auto insurance. Without further ado, let’s get into it.
Can I Add My Boyfriend or Girlfriend to My Car Insurance?
Yes, you can add your boyfriend or girlfriend to your car insurance policy. However, this decision also depends on different factors which include; your living plan, the insurance company’s policy, and your relationship status.
Most of the time, auto insurance providers allow policyholders to add their domestic partner or significant others to their policies. However, certain criteria like owning a financial connection and sharing residence need to be met. Before deciding, make sure that you consider the circumstances as well as the implications and discuss them with your partner.
When to Add Your Boyfriend or Girlfriend to Your Car Insurance
Here are the best times to add your boyfriend or girlfriend to your car insurance policy:
Living Together
If you and your significant other are living together and both parties drive their cars regularly, you can add them to your policy for proper and sufficient coverage.
Financial Sharing
If financial responsibilities are shared between you and your partner for example; jointly owned assets orhousehold expenses, car insurance sharing is not entirely a bad idea.
Regular Vehicle Use
As mentioned previously, if you and your partner make use of your car and live together, you can add them to your policy to save, get financial security, and have peace of mind.
Discount Opportunities
Some insurance providers provide multi-driver or multi-car discounts on policies with different drivers. With this opportunity, you can save more and get more.
When Not to Add Him/ Her
Here are the worst times or conditions to add your partner to your insurance policy:
Legal Limitations
There may be restrictions on whom you can add to your auto insurance policy depending on your insurance company’s policies and state’s laws. If they do not have an interest in the car or they are not a household member, it is not a good option to add them to your existing policy.
Separate Vehicles
If your significant other has their own insurance quote and car, it is much better and cost-effective to have separate coverage instead of including them.
Insurance History
If your boyfriend or girlfriend has a poor driving record like traffic violations or a history of accidents, adding them to your auto insurance can make your premium increase.
Infrequent Use
If your partner rarely uses your car, except in emergencies or occasions, it is not necessary to add them to your quote, especially if they have permissive driver coverage.
How To Add My Boyfriend or Girlfriend to My Car Insurance
If you have decided to add your girlfriend or boyfriend to your auto insurance, here are the steps you can follow to begin the process:
- Reach out to your insurance company.
- Ask about adding another driver to your existing policy.
- Prepare the necessary information.
- For instance: full name.
- Driving history.
- Date of birth.
- Driver’s license number.
- Ask for a quote.
- Your insurance company will evaluate the risks involved and calculate the extra premium cost.
- Fill out the form.
- Enter the additional documentation.
- Confirm the policy changes.
- Set up payment method.
- Get confirmation.
After you complete the necessary procedures, you will get confirmation from your insurance provider that your partner has been successfully added to your auto insurance quote as a licensed driver. Remember that this process differs by insurance companies and the policyholder’s situation.
What Happens When We Break Up?
If you and your partner break up, your policy terms and situation will determine the status of your ex on your auto insurance. Normally, you can choose to remove your ex-partner from your insurance quote.
If your ex-partner has their own policy and vehicle, they can get separate coverage. Additionally, you can notify your insurance company to change your relationship status on your policy. As for insurance coverage post-breakup and asset division, you can consider legal obligations.
Best Car Insurance for Unmarried Couples
If you are looking for a good place to buy auto insurance as an unmarried couple, here are some of the best sources:
- Geico.
- Progressive.
- American Family Insurance.
- State Farm.
- Allstate.
- Nationwide.
- Farmers Insurance.
- USAA.
- Liberty Mutual.
- Travelers.
You can gather their quotes and compare them to find which one works best for you and your significant other.
