Adding an additional driver to your auto insurance policy can be a smart move, especially if you share your vehicle with family or friends. However, it’s essential to know how this impacts your coverage, premiums , and liability. At Riseson Insurance , we aim to provide clarity for residents in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler.

An additional driver is anyone you add to your auto insurance policy who uses your vehicle regularly. This can include:

Family Members: A spouse, teenager, or sibling who frequently drives your car. Roommates: Co-habitants who borrow your vehicle occasionally. Employees: For business owners, employees driving company-owned vehicles.

Failing to include regular drivers on your policy can lead to denied claims if an accident occurs while they're behind the wheel. Adding them ensures:

Liability Protection : Coverage extends to all listed drivers. Comprehensive Coverage : Protects your vehicle from damages caused by additional drivers. Compliance: Keeps you in line with your insurer’s terms.

Adding an additional driver can affect your premium, depending on their driving record, age, and experience. For example:

Experienced Drivers: May have minimal impact on your premium. Teen Drivers: Typically increase premiums due to higher risk. Poor Driving History: Can lead to higher rates for the entire policy.

Choose Carefully: Only add drivers who will use your vehicle regularly. Consider Usage: Inform your insurer if the additional driver will only use the car occasionally. Maintain a Clean Record: Encourage all drivers to maintain a clean driving history.

Adding a driver to your policy is straightforward:

Contact your insurance provider or agent. Provide details like the driver's name, date of birth, and driving history. Adjust your coverage as needed to ensure adequate protection.

Have questions about your auto insurance policy? Want to add an additional driver or explore options to save on premiums? Reach out to Riseson Insurance today at 602-460-5470.

Who Is Considered an Additional Driver?

Why Add Additional Drivers?

Factors That Affect Premiums

Tips for Managing Costs

How to Add an Additional Driver

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• Family Members: A spouse, teenager, or sibling who frequently drives your car.
• Roommates: Co-habitants who borrow your vehicle occasionally.
• Employees: For business owners, employees driving company-owned vehicles.

• Liability Protection : Coverage extends to all listed drivers.
• Comprehensive Coverage : Protects your vehicle from damages caused by additional drivers.
• Compliance: Keeps you in line with your insurer’s terms.

• Experienced Drivers: May have minimal impact on your premium.
• Teen Drivers: Typically increase premiums due to higher risk.
• Poor Driving History: Can lead to higher rates for the entire policy.

1. Choose Carefully: Only add drivers who will use your vehicle regularly.
2. Consider Usage: Inform your insurer if the additional driver will only use the car occasionally.
3. Maintain a Clean Record: Encourage all drivers to maintain a clean driving history.

1. Contact your insurance provider or agent.
2. Provide details like the driver's name, date of birth, and driving history.
3. Adjust your coverage as needed to ensure adequate protection.