home > learning center > insights > customer service > adding or removing cars and drivers

customer service

adding or removing cars and drivers

Here we cover the ins and outs of adding and removing cars and drivers from your car insurance policy. We also explain how and why the addition or removal of a car or driver can influence your rate.

Adding/removing other drivers

Excluding other drivers

Adding/removing additional vehicles


______

Adding/removing other drivers

How many drivers/vehicles can be covered by one policy?

With Esurance, you can list up to 4 cars and 4 drivers on a single policy. If you have more than 4 cars or drivers, you'll need to buy a separate policy.

Back to top

Whom do I have to add to my car insurance policy?

We ask that you list all drivers in your household who have access to your vehicle, including your spouse, relatives, licensed children, and roommates.

If you have friends who occasionally drive your vehicle, you might be required to add them if they:

  • Don't have a car or car insurance
  • Are the registered owner of one of the cars listed on your policy
  • Drive the car without you in it

Remember, we're here 24/7 to answer your questions. Just give us a ring at 1-800-ESURANCE (1-800-378-7262) and we'll help you figure out whether someone should be on your policy.

Back to top

How do I add/remove other drivers? Can I add/remove them at any time?

Log into your policy at any time to add or remove other drivers.

To remove a driver, click on the "edit driver" button next to the list of drivers, and then the "remove driver" button next to the driver's name. You'll also be given the option of choosing when you'd like the changes to go into effect.

To add other drivers, simply click the "add driver" button after logging into your policy. You'll be able to fill in all pertinent info and within 24 hours the changes should be visible in your account.

And of course, you can always call us at 1-800-ESURANCE (1-800-378-7262). We'll be happy to make the updates for you.

Back to top

How do I find out if I'm listed on an Esurance policy?

To see if you're listed on an Esurance policy, simply log into the policyholder's account (or ask him or her to do it for you). You should then be able to see the names of all drivers listed. And if your name is there under listed drivers, you're good to go.

Back to top

Can I add another driver who doesn't live in my household but regularly uses my car?

Yes. In fact, if your best friend Gina and your Aunt Suzie frequently drive your car, it's wise to add them to your policy to make sure they're covered.

And in some circumstances, you may be required to add your friend or other regular driver to your policy.

Back to top

Can I list my employees on my policy?

Generally, no. If you use your car for business purposes and have employees who regularly drive it, you'll need to buy a commercial auto insurance policy.

Regular car insurance policies are created with the average driver in mind and don't offer the same level of liability coverage as commercial policies.

As a business owner, you have a lot at stake, and commercial policies are designed to protect your unique financial situation.

Find more info on commercial auto insurance here.

Back to top

Can I add my domestic partner to my insurance coverage?

Esurance offers the same rates to same-sex domestic partners as spouses (in the states that allow this), which can help you save on your premium.

Back to top

Will adding another driver increase my premium?

It depends. If the other driver has a spotty driving history or is a young driver, your rate could go up because of the added risk.

On the other hand, if the other driver wins the Best Family Driver Award year in and year out, your premium likely won't rise. In fact, with the additional (good) driver, your rates could even go down.

Back to top

Why should I list people on my policy who drive my car occasionally?

Though your car insurance policy will cover anyone you allow behind the wheel (aka "permissive drivers"), some states reduce coverage if that person isn't on the policy. In other words, if you don't list your buddy who borrows your car now and then and an accident occurs, you could be responsible for paying any damages that exceed the reduced coverage.

And if the other driver doesn't have car insurance, you'll be liable for any damages that exceed your limit. This makes it even more important to list the driver on your policy.

Back to top

My spouse and I recently separated. Do I need to keep my ex on my policy?

If your ex no longer shares your address, then you can remove him or her from your policy.

However, if your ex still lives with you and the separation hasn't been finalized, you'll either have to keep your ex on your policy (since Esurance asks that all members in your household be added to your policy) or exclude him or her (if your state allows).

If you need help transitioning your insurance, don't hesitate to call us at 1-800-ESURANCE (1-800-378-7262). We'll be here when you need us.

Back to top

______

Excluding other drivers

What is a driver exclusion?

Essentially, a driver exclusion is an endorsement that specifically bans a member of your household (spouse, roommate, live-in aunt, licensed teenager) from your car insurance policy. It certifies that the excluded driver will not drive your vehicle and will not be covered by your insurance if an accident were to occur.

Back to top

How do I exclude a driver from my policy?

If it's permissible in your state and you'd like to exclude a driver, give us a ring anytime at 1-800-ESURANCE (1-800-378-7262). We'll explain the process, answer any questions, and get you on your way.

Back to top

When should I exclude a driver?

If the person you want to exclude, say your roommate or spouse, has his or her own car and insurance policy, and an exclusion could lower your rates, it might make sense. One such scenario is a roommate with a history of DUIs. You could most likely save by keeping that type of driving history off your policy.

On the other hand, if those living with you don't have car insurance, it'd be wise to add instead of exclude the uninsured potential driver to your policy for maximum protection.

Back to top

When should I not exclude a driver?

In general, it's unwise to exclude any driver under your roof who has access to your vehicle. Because driver exclusions essentially leave the excluded drivers uninsured, you could be liable for all damages and injuries if and when a barred driver has an accident in your car. And after all, you never know when an emergency might come up that forces you to give that excluded person your keys.

Back to top

______

Adding/removing additional vehicles

How do I add or remove a car from my policy?

You have 2 options. You can log into your policy and click on the "Add Car" or "Edit Car" button, depending on your need, and then fill in the pertinent info. Or you can call us at 1-800-ESURANCE (1-800-378-7262) and we'll be happy to add or remove a car for you.

Back to top

How long do I have to add a new car to my insurance policy?

If you're the proud owner of a new (or new-to-you) car, congratulations.

We recommend reporting any new vehicles as soon as possible. This is particularly important if you need to change coverage as a result of obtaining a new vehicle.

Back to top

Why did my premium increase when I removed a car from my policy?

It may seem counterintuitive, but there are a few reasons why your premium could increase. For instance, you may have received a multi-car discount, and removing a car could have annulled it. Additionally, the car you removed could have been an older vehicle that didn't greatly impact your premium overall (especially if you didn't have comprehensive and collision on it).

Every situation is different. If you have concerns about your rate increasing, contact us at 1-800-ESURANCE (1-800-378-7262) anytime, day or night, for a free rate review.

Back to top