How Do I Add or Remove a Driver?

Keeping your driver list current is important for proper coverage. Here's how to manage drivers on your policy.

Adding a Driver

When to Add:
- New household member gets their license
- Someone moves into your home
- Someone will regularly drive your vehicle
- Teen driver gets their license

Information Needed:
- Driver's full legal name
- Date of birth
- Driver's license number
- State of license
- Relationship to policyholder
- Driving history (accidents, violations)

Premium Impact:
- Adding a driver typically affects your premium
- Teen and young drivers may significantly increase rates
- Experienced drivers with clean records have minimal impact

Removing a Driver

When to Remove:
- Driver moves out of your household
- Driver gets their own insurance
- Driver no longer has a license
- Driver passes away

How to Remove:
- Provide the driver's name
- Reason for removal
- Effective date

Excluding a Driver

In some cases, you can exclude a driver:
- They remain in your household
- But are NOT covered when driving your vehicle
- Can reduce premium for high-risk drivers
- Warning: No coverage if excluded driver causes an accident

Special Situations

Teen Drivers:
- Add when they get their permit or license
- Good student discount may apply
- Consider driver training discounts

College Students:
- May stay on your policy
- Distant student discount possible
- Depends on if they have a car at school

Elderly Drivers:
- May remain on policy
- Consider coverage implications
- Update if license is surrendered

How to Make Changes

• Phone: Call 475-619-3790 (recommended for driver changes)