Car Insurance Costs

Am I being overcharged for my policy?

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.
Nov 20, 2020 Buford, GA

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General Insurance

Do I have to list my spouse on my policy even if we are separated?

Depending on the state you live in, some carriers will ask that you list a legal spouse on the policy, even if you are separated. Others will allow you to exclude a spouse from your policy completely.
Nov 10, 2020 Fort Pierce, FL

Eligibility Motorcycle Insurance

Does my wife need to be on my motorcycle insurance policy?

You do not have to have to list your wife on your motorcycle policy. If she won't be driving the motorcycle, you can have her listed as an excluded driver.
Mar 9, 2020 Oklahoma City, OK

General Insurance

Should my husband and I have separate auto insurance policies?

If your husband is able to get a cheaper quote due to his cleaner driving history, it would be a good decision to have separate policies. I would suggest you shop around for quotes as well to see if you can get a lower rate.
Jan 22, 2020 Greenville, MS

General Insurance

Do any US auto insurance companies offer auto insurance coverage in Canada?

Many insurance policies may cover you in Canada — if it is for short-term trips. I would check with your current carrier, but it is likely you'll need to select a Canadian insurance provider if you'll be living there for two years.
Jan 10, 2020 Buffalo, NY

Eligibility

Can my husband add a car that is in my name to his insurance policy?

Thanks for your question. Your husband should be able to add your vehicle so long as his insurance carrier is alright with the change.
Oct 15, 2019 Shannon, MS

Coverage & Claims

Can a married couple have separate car insurance policies?

Yes, you can have two separate policies. This can have its benefits in some cases.
May 9, 2019 Spring Hill, FL

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.
May 6, 2019 Scottsboro, AL

Coverage & Claims

Will my rate change if I remove my non driving wife from insurance policy?

The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy.
Feb 28, 2019 Austin, TX

Coverage & Claims Eligibility

Can my husband be liable for his ex-wife's uninsured vehicle?

In this situation, yes - your husband and his ex can be held liable for the damage. It's important to note that liability insurance follows the driver, not the car.
Feb 26, 2019 Simi Valley, CA

General Insurance

If you're married but separated do you have to include spouse on car insurance?

If you are legally separated, some companies but not all, will not make you list your spouse. If you are not legally separated then you will need to list your spouse but they can be excluded which means they will not be covered to drive on the policy and being married typically lowers your rate.
Feb 26, 2019 Mineral Bluff, GA
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