You can buy auto insurance on your own even if your spouse has had his or her license suspended. Excluding your spouse from your auto insurance coverage is good strategy, since your rates will be determined based on his or her driving record as well as your personal driving history.
Your spouse will likely be classified as a high risk driver after his or her driving privileges have been reinstated, which will drive up the cost of coverage significantly. The higher rates may be in place for several years, depending on the reason the license was suspended.
Auto Insurance Rates
When you apply for auto insurance coverage, the company will ask about all the licensed drivers in your household. The insurer will want to know whether they have been involved in any accidents or accumulated any moving violations on their record. Even if the other members of your household don’t drive your car all the time, the insurance company considers that they have access to the vehicle when setting rates for your coverage.
Auto insurance providers look at a driver’s past behavior and use it to predict how that person will behave behind the wheel going forward. Accidents or moving violations which have been accumulated during the past three years will be considered when the insurance company is setting rates for coverage.
Excluding a Family Member from Your Auto Insurance Policy
Excluding someone in your family from your auto insurance policy means that he or she will not be covered when driving your vehicle at all. You will need to make sure that your family member understands this. The insurance coverage is separate from whether your spouse’s driving privileges are reinstated at some point.
If your spouse is involved in an accident while driving your car, you will be personally responsible for paying for any damages caused in the incident. Since the cost of paying for medical bills and damage to the other vehicle can be very costly, any driver who has been excluded from your policy must not drive your car at all.
Shopping for Auto Insurance Coverage
To get the best rates on your auto insurance coverage (whether you are excluding certain family members from your policy or not), be prepared to shop around. Getting quotes from several providers before making your decision will help you avoid overspending on the type and level of coverage you need.
Going online is an effective way to shop for auto insurance. You can learn about different companies licensed to provide coverage in your state at a time which is convenient for you. If you are curious about how much your auto insurance coverage will cost if you decide to include your spouse on your auto insurance coverage, you can request a quote reflecting this scenario.
Once you have the information in hand, you can make a choice about whether you want to exclude your spouse from your auto insurance policy going forward.