Will my car insurance policy cover other young drivers, in addition
to my daughter, taking turns driving my car during spring break?
I'd prefer she isn't stuck driving the long distance on her
This is one of those times when no-frills car insurance policies
can come back to haunt you.
While many car insurance policies extend to
(those whom you give permission to drive your vehicle), there are
restricted policies that are written so that only drivers named on
the policy are covered. Insurance companies that offer restricted
policies usually do so to give you cheaper rates than you would
If you purchased your policy with restrictions tied to it, then
your daughter (who I assume is listed as a driver) may be the only
one covered to drive during spring break. (For general guidelines,
Who can drive your car?
Your insurance company is always the best source to answer
specific questions about coverage and limits -- especially before
your daughter leaves town. Even if your policy extends to
permissive users of your car, verify that your car insurance policy
doesn't have any other restrictions,
or provisions that could affect your daughter (and her friends)
when driving during spring break.
Some policies that cover permissive users exclude coverage for
drivers under a certain age; others change your coverage limits;
and some even increase your deductible.
For example, some auto insurance policies have what is referred
allowing the insurer to reduce your liability limits to only
the state required minimum limit in certain situations, such as
when a driver that is not listed on the policy operates your
Remember a car owner can be held liable along with the driver of
an accident; thus lower liability limits could put your assets at
Also, some insurance policies will drop down your liability
coverage to the minimum liability limits of the state in which you
are driving when the insured vehicle is driven out of state.
So, if your daughter is driving out of state for spring break, make
certain you know what coverages and limits extend out of state to
cover her and her friends.
We'd also recommend that before your daughter allows anyone to
drive your car that she checks that the driver has a valid
license. Some auto insurance policies exclude coverage for
unlicensed drivers, and some states will ticket not only the
unlicensed driver but also the car owner for allowing an unlicensed
driver to operate their vehicle.
When you have a young driver on your car insurance on your
policy it's important to shop around to make sure you are getting
the best car insurance rates possible. But sometimes the
company with the cheapest rate will put restrictions on you that
you don't want. Comparison shop now to get a premium you can
afford - along with the coverages and limits that you need.