Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by Jessica Sautter
Content Writer Jessica Sautter

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer Natasha McLachlan

UPDATED: Apr 29, 2020

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Your life will undergo many changes as you go from student to working to getting married, raising children, and the like. You may find that one change that is needed is to add a car to insurance policy.

Everyone knows that buying a vehicle means that you will need to obtain insurance, but what happens if this is your second car and you already have coverage for the first? Here is all of the information you will need if you want to gain an understanding of this topic.

Want To Add A Car To Insurance, Why?

There are a number of reasons why you are adding another car to insurance policy, especially when going through major changes in your life.

  • Getting Married
  • Your Child Gets a Driver’s License
  • You Buy Another Car or Truck
  • You Have a New Roommate
  • You Find Yourself with Another Vehicle to Drive

Add Second Car to the PolicyAll of these reasons and more are why you would consider adding a vehicle to your insurance coverage. Depending on the circumstances, it might raise or lower your overall car insurance premiums. In addition, there are certain insurance companies that offer discounts for multiple vehicles which may mean that you and the other person with the vehicle that you are adding may save money as compared to keeping the insurance separate.

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How to Add?

Generally speaking, adding a second car to insurance policy is fairly straightforward and most insurance companies follow a similar form and method. After you call your insurance agent or company, you will want to provide them with the following information;

  • Your Name
  • Your Policy Number
  • Make, Model, and Year of Car or Truck
  • VIN or Vehicle Identification Number
  • Odometer Reading
  • Name, Date of Birth, and Driver’s License Number or Numbers of the person or persons that you want to add to your policy

How to Add Multiple Vehicles in Auto Insurance PolicyAt least three major insurance companies, State Farm, Geico, and Progressive use this type of form when you want to add another vehicle to your insurance policy with small differences.

This means that with State Farm add a vehicle for example, you may find one or two small changes, but overall this is the general form that most insurance companies use when you need second vehicle insurance.

It may be possible depending on the insurance company to make such modifications on their website which will save you time. You will need to check with your provider to see if they offer this type of option online.

How Much Does It Cost to Add A Vehicle to Your Policy?

The answer depends on a broad number of factors, so there is no single price that would be representative of the average cost. However, the factors include the following;

  • Type of Vehicle
  • Type of Coverage
  • Driving Record
  • Discounts Offered by the Insurance Company

It is possible that your premiums may go up if the other person has a poor driving record or owns a vehicle that is considered high risk or is part of a high-risk group of drivers such as teenagers. You will need to go over the specific policy with the insurance company you choose in order to see if you save and how much on your premiums.

Some insurance companies may limit the number of vehicles that you can put on your policy. In addition, you’ll want to let the insurance company know the type of coverage that you want and take advantage of other discount options such as bundling, taking a defensive driving course, or installing security devices.

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The Benefits

You may be asking yourself what the difference is between two separate policies and having multiple vehicles on the same one. The answer is simple: There are some carriers that provide discounts to those who have more than one vehicle on the same policy.

Is it cheaper to have two cars on one policy?

While the amount you save can vary depending on what company you are doing business with, there are some insurers who offer discounts of more than 20%, which is a fairly significant figure.

Can you have two cars with different insurance companies?

Of course you can and there is no restriction on that. But if you decide to ignore this and seek out separate policies from two different insurers, you will not be able to take advantage of this savings.

Keep in mind is also easier to do business with one company and have one renewal date instead of trying to remember information for two separate policies.

With more than 200 million drivers insured in the US, it is common for some of them to have questions. If you were wondering about how to add a second vehicle to your policy, you should now have the answers you’ve been searching for.