Who can be on your auto insurance policy

California has more licensed drivers than any state in the union, with more than 26 million. That is a lot of potential for having an accident. Making sure you have the auto coverage you need is important for your financial future. At Manteca Insurance & Financial Services in Central Valley, CA, we have been meeting the needs of our customers for more than 80 years. We are dedicated to ensuring you have the right amount of protection to keep you safe no matter what happens.

Auto carriers are generally speaking pretty flexible when it comes to who can be on your policy. They are designed to list the vehicle owners or vehicles, which can be you and your spouse, you and your partner, your children, and pretty much anyone related to you and lives in your household. In extended families, that can be nieces and nephews, aunts and uncles, grandparents and grandchildren. But, you can’t put someone on your policy who doesn’t live with you. 

One major and common exception to the rule of living in your home is a child of yours who is away attending college most of the year. If they still use your address as their permanent address, then your carrier should allow you to keep them on your auto insurance policy. 

Non-family members can also be added to your auto policy depending on which carrier you use. If you have a caregiver or nanny living in your home and uses your vehicle regularly, you can add them to your policy. It may not be necessary, though, since if they have your permission to use your vehicle, they will be covered in the event of an accident. 

If you are looking for auto insurance Manteca Insurance & Financial Services in Central Valley, CA, is an independent insurance agency with an experienced team to help you. 

3 Tips for Buying Auto Insurance in California

Before you drive your first car in Central Valley, CA, you need auto insurance. Chances are, if you’re reading this, this is the first auto insurance policy you’re purchasing. If so, you are probably wondering whether you can afford it and even where to start. Don’t worry. The reputable agents at Manteca Insurance & Financial Services have put together three easy tips for you to follow. Read on to learn more.

1. Compare Several Quotes

Choosing an auto insurance policy after viewing just one is not recommended. Instead, you’ll want to use a reputable agent to help you compare at least three quotes. You’ll be looking at the different coverage options in your budget. This is a great time to ask all the questions you have before making a final decision.

2. Bundle Your Policies

Do you have other insurance policies, such as renters, homeowners, or life? If so, your reputable agent can quickly help you bundle those policies under one insurance carrier for maximum savings on your premium. 

3. Work with a Reputable Agent

Lastly, we recommend working with a reputable insurance agent to ensure these tips are put to good use. Our agents serving the Central Valley CA area are standing by to take your call and work with you through the auto insurance buying process one step at a time. He or she will ask you a few questions, such as your budget, model of your car, cost, and so on, to find the best quotes for you to compare and bundle. 

Are you ready to purchase your first auto insurance policy? Do you need to renew one or make a switch? Call Manteca Insurance & Financial Services group to speak with a friendly, reputable agent to get started.