Adding a car to an existing auto insurance policy is a very simple and straightforward process through your current insurer.
At the time that you speak with your insurance agent about adding another vehicle to your policy, you should ask for a quote on how the new vehicle on your policy will affect your rate.
You may even qualify for a multi-car discount, which would make it cheaper to add a car onto an existing policy than to take an additional policy out on that car.
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Information that You Will Need to Provide to Your Current Auto Insurance Agent
When looking to add another car to your auto insurance policy, you should be prepared to provide some basic information about the new vehicle.
Typically, you will be asked to provide the year, make, model and mileage of the additional vehicle. You will likely also be asked for any registration information you have on the new vehicle.
Keep in mind that if there is any other information that is related to your auto insurance policy that needs updating, this is a convenient time to get it done.
In the event that you file a claim, you may be precluded from recovery if you do not have updated information on file with your insurance agent.
Depending on the specific laws of your state, your auto insurance company may be required to submit proof of insurance to the state department of motor vehicles to show that your car is insured upon vehicle registration.
It is important to not delay in getting your auto insurance lined up as quickly as possible on your new vehicle so that you are not found to be in violation of any state laws when driving your car.
In some states, the failure to insure a vehicle can result in severe penalties and significant fines.
One thing to keep in mind is that if you are hit with fines or penalties from your state department of motor vehicles for not maintaining the proper insurance for all of your vehicles, then your auto insurance rates may go up in the future.
You may risk having your auto insurance policy canceled by your current insurer, which would also mean that you are likely going to face higher rates from other insurance companies in your state.
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Making Sure that You Have the Right Auto Insurance Coverage for Your Additional Car
Keep in mind that every state has a minimum level of basic auto liability coverage you will need to have to drive your car. When you add the new car to your existing policy, be sure that you are covered for at least the state minimum requirements.
In addition, this is also a good opportunity to check and see if you should consider any additional coverage for your auto insurance. If you do not have collision or comprehensive coverage, you may want to request a quote for that to consider adding it on.
When you are adding another car to your existing car insurance policy, you may also want to ask about what multi-car discounts are available to you.
This might also be the ideal time to shop around for other car insurance quotes to make sure that you are getting adequate coverage at a reasonable price.
Especially if your new car purchase is particularly valuable or costs an exceptional amount of money to repair, you want to make sure that you are adequately covered in the event you have to make a claim for your new vehicle.
If you have not yet purchased your new car, you may want to check with your insurance company first to see how the new car will affect your insurance rates. This can help inform your decision about what type of car makes the most sense for you to buy.
Some cars are more expensive to insure because they are rarer or would cost more to repair if they were damaged in an accident.
There is no reason to delay having another vehicle added to your current car insurance policy.
The sooner you have the vehicle added after applying for vehicle registration, then the less likely you will have any issues with not meeting the state minimum requirements for auto insurance coverage.
Your insurance agent should be the first phone call you made in order to add another car. You should also ask about any new discounts that would be available for your policy.
Check to make sure that you are adequately covered for all of your vehicles when adding another one on.
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