General Insurance
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
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Most Recent
Coverage & Claims
Is car insurance cheaper if your spouse can't drive?
You would not be able to remove your spouse from the policy, even if they don't drive. What you would need to do is exclude them as a driver.
Coverage & Claims
Does spouse with revoked license need to be added to insurance policy?
Since you are married, he will need to be listed on the policy as an excluded driver, which shouldn't affect your rate much. The reason he needs to be excluded is that he has access to the vehicle. If he is excluded, he will not be covered to drive either vehicle.
Eligibility
Am I legally required to list my son on my car insurance policy?
Most car insurance companies like to know everyone who is of driving age and has a license to be either listed on the policy or excluded. To them, it's simply peace of mind so they're aware of all the risks presented to them.
General Insurance
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Coverage & Claims
My 17yo son lost his license, what do I do with the insurance?
The decision will ultimately be determined by the policy rules of your insurance company. Because he won't be driving for 6 months but is of driving age, your best bet would be to see if you could "exclude" him from your policy for the duration of his suspension.
Coverage & Claims
Accident as an excluded driver on my parents' policy?
Although you technically do not have insurance, the other driver is still at-fault for the damages and thus has a legal obligation to pay for the damages caused. You might be ticketed for driving without insurance but that shouldn't impact your parent's ability to have the other driver pay for the damages.