Tips For Adding Girlfriend to Car Insurance
Adding girlfriend to your auto insurance policy is something that most men do not even think of doing. After all, automobile insurance is about as old-fashioned and unreflective as it gets. People pay their hard-earned money for the right to drive a car legally and not have the freedom to make decisions based on those factors. This means that car insurance companies have to play a very tricky game with drivers who are married or in relationships. In order to profit from the situation, these companies will charge them ridiculously high rates.
What makes this situation all the more frustrating is that insurance companies are allowed to discriminate against drivers based on gender. This means that young single men who are driving cars that cost thousands of dollars more than their girlfriend's sports car might be charged with the same coverage. This, however, is not legal. It is estimated that most drivers do not even know the difference between coverage for a man and a woman, much less the difference between men and women when it comes to auto insurance. This is why it can be a real challenge to find cheap automobile insurance for your girlfriend.
It is possible to save money by adding your girlfriend to your auto insurance policy. However, you may need to check with multiple different companies in order to find the best rates. She will also need to add her name to the policy to receive any discounts the company offers. Additionally, she will have to be over twenty-five years old. If she is below this age, she will need to put a driver's or certificate in order to receive any discounts.
Before adding girlfriend to your insurance policy you should do a little research into the type of coverage she already has. For example, if she has a life insurance policy, you should ask her if she would like the coverage to include her car. If she does not yet have this type of coverage, there are several other options available to her. Talk to an agent about adding her to your insurance policy to get the most out of her policy.
You can purchase her a separate policy to add her as a named driver on your insurance policy. Or, you may want to consider adding her to your current policy. Regardless of which you choose, it is important that you add her as a named driver on your insurance policy. This will help to provide the most coverage for her in case of an accident. Many insurance companies will provide discounts for drivers who are also at fault in an accident. Therefore, if you want to ensure that you are getting the most coverage for your money, you should purchase her a separate policy to cover both herself and any other passengers in the car.
Once you have purchased the policy for her, it is time to start shopping around. First, you will want to find several different insurance companies that you might consider insuring her with. Contact these insurance companies and ask them questions regarding what kind of coverage they offer for someone who is currently associated with your insurance policy. Additionally, you will want to ask about discounts for having a car alarm installed in her vehicle or for using your home as her place of employment.
When you contact these insurance companies, be sure to get several different price quotes. Egg Insurance will allow you to compare prices and get the best coverage for the lowest price possible. Also, before you get any quotes, be sure to check with your state's insurance regulatory agency to ensure that your girlfriend is legally allowed to drive. If she is not, you may want to consider taking her off your insurance policy. However, there are many states that allow females to drive without insurance provided that they pass a driving courses and get a Class M license.
Although adding insurance coverage for your girlfriend is not the easiest thing to do, it is important that you are aware that you have a responsibility to make sure that you are getting the best possible coverage for your significant other. If you are not happy with the quotes that you receive, simply don't sign the policy or get a car. There are many other individuals out there who would rather drive your girlfriend's car than yours. Get a quote today so that you can be sure that you are getting the best deal possible. After all, your girlfriend needs coverage just as much as you do!