There are so many variables that insurance companies serving the West Hartford, Connecticut area takes into account when determining auto insurance premiums. This not only includes your own driving record, but also that of family and loved ones covered under your policy. Although this helps insurers consider all of the potential risks of an insured party, it can make buying coverage a somewhat complicated affair in certain cases.
The driving or accident records of your child or spouse has a definite impact on your ability to find affordable auto insurance or buy auto insurance at all, in many cases. A spouse or child of driving age with a driving history marked by accidents, speeding tickets and other infractions can easily cause you to be turned down for insurance coverage. In other cases, you may end up paying high-risk insurance premiums – something that could easily cost you thousands of dollars more per year than if your child or spouse had a spotless driving record.
If you have a child or a spouse with a less-than-stellar driving record, you may want to consider asking your independent agent about a driver exclusion endorsement. This endorsement purposefully excludes a specifically named driver from being covered under your insurance policy. In other words, you won’t be able to benefit from your coverage in accidents involving an excluded driver. However, the owner of the vehicle remains liable for any damages that occur as a result of an accident caused by their vehicle.
Another option you can potentially pursue is to encourage said family member to purchase their own insurance coverage. If they are able to buy their own coverage, they will have all of the protections afforded to insured drivers even if they are driving your vehicle.
As your independent agent, we can help you find the best solution to your auto insurance issues. Don’t hesitate to get in touch with us if you have any questions concerning your insurance options.