Auto insurance is a legal requirement in many states, but most people are unsure about how to secure car insurance when they have a house full of people. Sometimes, new drivers may have to pay a significant amount for their policy. We’ll review what you need to know to ensure you make the best decision regarding your auto insurance policy.

Everyone Doesn’t Need Their Own Policy

In most cases, people in the same household in Hershey, PA do not need to get a separate policy. A person in the household can add all drivers to their existing policy. This is an excellent way to help everyone save money because it’s usually more cost-effective than everyone paying for an individual policy.

Insurance Company Requirements

Many insurance companies require that every person of driving age in the household be listed on the policy. However, policy owners can usually list someone as a "non-driver" on the policy so it doesn’t impact their deductible or insurance rates. It’s crucial to speak with an experienced agent at Options Insurance Agency to ensure you meet policy requirements.

Sharing An Insurance Policy

Many families choose to have everyone on the same policy because it’s a great way to save money. New drivers may get cheaper insurance rates because their parents or guardians have an exceptional driving record.

In some instances, it’s best to avoid sharing an insurance policy. Adding a person with a poor driving record to your policy can increase your monthly premium. Temporary roommate situations often call for people to have separate insurance policies because the policy owner doesn’t want to be partially responsible for the accident. Always ask your auto insurance company how adding someone to your policy can impact your insurance.

Always consult with an experienced agent at Options Insurance Agency to ensure you are making the best decision for your situation and to ensure coverage if something happens. We currently service the Hershey, PA area.