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Talking about carsEven small families often own at least two vehicles that need to be insured. Whether these vehicles are shared or if everyone in the family has their own vehicle, finding insurance for each is crucial. Insurance companies will often allow you to have up to 4 vehicles on one insurance policy.

When your teens eventually receive their own cars, you’ll likely have to put them on your auto insurance policy. Teenagers cost a lot more to insure than almost any other age group, which means your policy will be more expensive. It’s generally cheaper to keep a teen on your policy, however, than if your teen were to have their own

Can You Insure One Car Twice?

It’s possible to have two auto insurance policies on one car if they’re from different insurance companies. Your original insurance company typically won’t provide a second policy for the same car.

Who is Covered Under an Auto Insurance Policy with Multiple Cars?

You can adjust your policy to add drivers. The number varies per insurance agency, but most allow up to 4 drivers per policy. Typically, your name (the insured or owner of the policy) will be on each vehicle as well as whoever is the primary driver. Insurance companies typically won’t allow you to add anyone outside of the family as a driver, however.

When Should I Insure a New Vehicle?

It’s important to let your insurance company know that you have a new vehicle soon after you purchase it. If you want to add the vehicle to your existing auto insurance policy, you have around 7-30 days to notify your insurance company.

Is it Cheaper to Have Multiple Cars on One Car Insurance Policy?

In general, it’s cheaper to have multiple cars on one insurance policy as opposed to having multiple insurance policies. Insurance companies will often provide multi-car discounts, and it’s convenient to have information in the same place. This also means that all car bills and premiums will have the same due date. You may also consider bundling <home and auto> to save more.

Keep in mind that while each car may have different comprehensive or collision coverages, they all must carry the same amount of liability insurance required by the state. It pays to have your Tarzana independent agent shop around for you and consider the many options when it comes to adding vehicles to a policy or purchasing different policies.

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