Question

Am I being overcharged for my policy?

My wife has never had a license, but my insurance company has her listed on my policy with a valid license. I went online and got a preview of what an updated policy would cost by changing her to a “list-only” status and I saw that it would lower my premium by nearly $150. Would this really lower my rate that much? I am confused as to why they have her listed as excluded with a valid driver's license when she won’t be driving my vehicle at all. Have I been overcharged this whole time?

Nov 20, 2020 Buford, GA

Answer
Renata Balasco

Nov 20, 2020

Many companies require that if you are married and live with your spouse, you must list them on your policy as a driver, whether they drive your vehicle or not. Since your wife is not licensed, I would suggest shopping around for a policy with a company that does not require that spouses be listed. Talk to one of our licensed agents to find the best provider by calling 888-444-8949.


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