Adding A Driver To Your Allstate Insurance: A Guide

Adding another driver to your car insurance is a simple process, but it's important to understand when and how to list a driver on your policy to maintain appropriate coverage. You should typically include licensed drivers who live in your household or regularly drive your vehicle on your car insurance policy. This could be a partner who moves in, teenage children who obtain their driver's licenses, or college-aged children who drive your vehicle when they return home for the holidays. It's also worth checking with your insurance company whether they would like you to include others who live with you, such as roommates or boarders, on your insurance. The cost of adding a driver to your insurance policy depends on various factors, including the provider, the ages of the drivers, and the driving records of the drivers.

Adding a driver to your Allstate policy online

Step 1: Gather Information

Firstly, collect the necessary information about the additional driver. This includes their marital status, Social Security number, address (if they don't live with you), and driving history, including their licence details, any accidents, and traffic violations.

Step 2: Log In to Your Account

Log in to your Allstate account on their website. If you haven't already created an account, you can do so using your policy details.

Step 3: Find the Policy

Find the relevant auto insurance policy in your account. You may have multiple policies, so be sure to select the correct one.

Step 4: Begin the Amendment Process

Locate the option to add a driver to your policy. This may be under an "Amend Policy" or "Add Driver" section. Follow the on-screen instructions, inputting the additional driver's information as requested.

Step 5: Review and Confirm

Once you have entered all the required information, review the details to ensure they are correct. Then, confirm the changes.

Step 6: Receive Confirmation

After completing the above steps, you should receive a confirmation of the changes to your policy, including the additional driver. You may also receive an updated policy document.

Adding a driver to your insurance policy is an important step to ensure you maintain appropriate coverage and protect your financial interests. It is a simple process that can provide peace of mind for you and the additional driver.

Information you need to add a driver

Adding a driver to your insurance policy is a simple process, but it's important to ensure you have all the necessary information to hand. The exact requirements vary by company, but here is a general list of the information you'll need to provide:

• The additional driver's marital status.
• Their Social Security number.
• Their address, if they don't live with you.
• Their driving history, including the number of years they've held a license, any recent traffic tickets, and details of any accidents and traffic violations.
• Their driver's license number, issuing state, and status.
• Whether they need an SR-22 financial responsibility certificate.
• Any information that may help you secure a discount, such as details of a defensive driving course they've taken or their current grade point average.
• Their vehicle's make, model, year, and vehicle identification number (VIN), if you plan to share a policy that covers both of your vehicles.

Once you have gathered this information, you can contact your insurance company to add the driver to your policy. You can usually do this by calling the company or your insurance agent, or by making the change online through their website or mobile app.

Cost of adding a driver to your policy

The cost of adding a driver to your Allstate insurance policy depends on several factors, including the age and driving history of the drivers on the policy. Adding a driver to your insurance policy is generally a simple process and can be done by contacting your insurance provider.

According to QuoteWizard, adding a teen driver to your current policy can increase your premium by almost $1,000, while adding a driver in their 30s or 60s results in a lower hike. These increases tend to be consistent across providers.

WalletHub's 2021 comparison of average insurance rates for drivers of different ages found that a 21-year-old would pay $1,436 as the sole driver on a six-month policy. If a 16-year-old driver is added, the premium increases to $2,303. Adding a 30-year-old driver increases the premium to $1,304, while adding a 50-year-old driver increases it to $1,268.

The cost of adding a driver to your Allstate insurance policy will depend on the specific details of your policy and the driver being added. It's recommended to contact Allstate directly to get an accurate quote for adding a driver to your policy.

It's worth noting that adding an inexperienced or high-risk driver, such as someone with a poor driving history, may result in higher premiums. On the other hand, adding a more experienced driver with a clean record may lower your premium.

When to add a driver to your policy

When to add a driver to your auto insurance policy depends on a variety of factors. You should typically include licensed drivers who live in your household or regularly drive your vehicle on your car insurance policy. This could include a partner who moves in, teenage children who obtain their driver's licenses, or college-aged children who drive your vehicle when they return home for the holidays. It is also worth checking with your insurance company whether they would like you to include others who live with you, such as roommates or boarders, on your insurance.

In general, you should add any licensed driver who lives in your household and has access to your vehicle to your insurance policy. This ensures that the car insurance company will pay for any accidents or claims involving other people driving your car. It is also important for your financial protection.

If someone who works for you but lives outside your home starts using your car regularly, ask your insurer whether you should list them on your policy. In most cases, adding this person to your current policy helps protect your financial interests. You can remove them later if their term of employment ends.

It is also worth noting that car insurance policies usually have a permissive user clause, which means you are covered if people who don't live with you occasionally use your vehicle. This means you don't need to worry if a friend or family member living outside your home borrows your car from time to time.

How to temporarily add a driver

Adding a driver to your car insurance policy is a straightforward process that can be done online or by contacting your insurance provider. Allstate offers temporary driver coverage, often referred to as "permissive use" or "guest driver" coverage. This provides temporary protection for drivers who occasionally use your insured vehicle.

To temporarily add a driver to your Allstate car insurance policy, follow these steps:

Step 1: Log into Your Allstate Account or Contact Your Local Allstate Agent

Access your Allstate account online or get in touch with your local Allstate agent. They will guide you through the process and provide you with the necessary forms and information.

Step 2: Provide Necessary Information About the Temporary Driver

Gather the following information about the temporary driver:

• Name
• Date of birth
• Driver's license number
• Driving history, including any accidents or violations
• Marital status
• Social Security number
• Address, if they don't live with you
• Whether they need an SR-22 financial responsibility certificate

Step 3: Specify the Type of Coverage

Determine the type of coverage the temporary driver will have, such as full coverage or liability only. This decision depends on factors such as the driver's experience and the level of risk associated with their driving history.

Step 4: Review and Confirm Changes

Review any adjustments to your premium resulting from adding the temporary driver. Confirm the changes and proceed with any necessary documents or paperwork.

Step 5: Pay Any Additional Premium Charges

If there are any additional premium charges due as a result of adding the temporary driver, make the necessary payment to ensure your policy remains active and the driver is covered.

It's important to note that adding a driver to your car insurance policy may result in changes to your premium. The cost of adding a driver depends on various factors, including their driving history, age, and the provider.

Frequently asked questions