Do You Have to List Household Members on my Auto Insurance Policy?
Reader’s Question:
What if I don’t want to list a household member on my car insurance policy in Georgia?
Ben
Marietta, GA
You should always include all household members on your application in your car insurance.
With each insurers it is different. Some insurance companies sells insurance policies for different insurance carriers. Some auto insurance application will ask you the appropriate questions to meet the insurer’s guidelines and the state rules/laws.
Insurance companies need to know about all household members because states laws for personal liability sometimes include all household members. So, the insurance company is representing you and covering you so they need to be aware of the entire risk they are protecting.
How Can I Get Cheap SR22 Insurance Coverage?
Q: I’m actually not a bad driver, but I have to file SR22 insurance because some guy ran into me when I was uninsured and the police caught it. I can’t afford these high rates. How do I get cheap SR22 insurance?
A: Since you have a good driving record, you are able to more easily take the risk that millions of people take every year because it is less likely to affect you. That is to raise the deductible on all of your non liability coverages.
Many people opt for the lowest deductible when buying car insurance because they feel that they don’t want to have to depend on coming up with a couple thousand dollars in order to pay their medical bills when they get into a bad accident. This is a valid concern, but if you raise your deductible to at least $1000 on your comprehensive and then on your collision coverage, then you can save around a hundred dollars a month in many cases and that money can be set aside for emergencies like car accidents.
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