When to include an additional driver on your policy.Your teen gets a driver’s permit. Your mom moves in. Your long-lost cousin pays you a long-term visit. In situations like this, it’s easy to forget to add a driver to car insurance. Instead of waking up in the middle of the night and texting yourself an “add driver to insurance” reminder, check out this guide. It shows you how to add someone to car insurance.How to add someone to car insuranceAdding new drivers to your policy is straightforward and simple, making it easy to do as soon as you have another driver in your household. You can call and talk with a client service representative. Or, even easier, you can log in to your online account and add a driver. In addition, if we become aware of another licensed driver in your household, we’ll add that driver to your account for you.The benefits of adding drivers to your insuranceThere are different reasons to add teens or other drivers in your household to your auto insurance policy. Often, it’s more cost-effective to add a driver to a policy than it is to purchase a separate policy, especially for a new driver. Plus, you want to be sure you have sufficient coverage in the event of a loss. And if you are adding a driver who is a student and gets good grades or is away at college, tell your auto insurance company. Many offer good student discounts or other education-related savings.On the other hand, if you knowingly avoid adding a driver to your auto insurance policy, you could risk cancellation or have a difficult time switching policies. That could cost you more in the long run.There’s also a “big picture” reason to make sure the right drivers are listed on your policy. To keep rates competitive, it’s important your auto insurance company is able to properly assess the risks they insure. The more accurately companies can assess their risks, the better they are able to keep auto insurance rates competitive for everyone. That’s why telling your insurance company about other drivers in your household is good for everyone.Adding others who don’t drive or aren’t with you full-timeIf a parent recently moved in with you and they no longer drive, it’s important to discuss that with your auto insurer. In that case, you may want to swap their driver’s license for a state ID in order to make it clear that they no longer intend to drive.If your son or daughter lives in a college dorm rather than at home, they would need to remain on your policy (unless they have insurance with another company, in which case you may be asked to provide a copy of their insurance ID card for confirmation). If you share custody of your children and they have their licenses, be sure to talk with us about that, too; they’ll need to be listed on the policy of the parent who owns the car they primarily drive.And if there’s anyone else who drives your car on a regular basis — even if they don’t live with you, such as a friend or colleague — they should be added as an additional driver to the insurance policy for the vehicle they drive.By discussing your specific needs with us (or your auto insurance company), you can be sure you have proper coverage for the drivers in your household.Find out more about auto insurance, including different coverage options and discounts available, and see the benefits of adding someone to a car insurance policy today!--SOURCESLadika, Susan. “A Parent’s Guide to Insuring a Teen Driver.” CarInsurance.com. 24 Aug. 2016. Web, 5 Oct. 2016. http://www.carinsurance.com“Insuring a New Teen Driver Doesn’t Have to Break the Bank.” Consumer Reports. N.d. Web, 05 Oct. 2016. http://www.consumerreports.orgPrice, Kristen R. “How to Add Non-Family Members to Car Insurance.” The Nest. N.d. Web, 05 Oct. 2016. http://budgeting.thenest.com