Excluding a driver means that you are not allowed to drive any of the vehicles in your insurance policy, even in case of emergency. If they drive their car and cause an accident, they won't have coverage, which means they'll have to pay the cost of the accident out of pocket and could face the consequences of driving without insurance. Most young drivers are added to their parent's policy once they start driving, but the cost can still be quite high. On average, 16-year-olds pay some of the most expensive car insurance rates compared to all age groups.
However, researching auto insurance discounts for teen drivers could help reveal some useful savings opportunities. To remove someone from your car insurance, you'll need proof that they have new insurance, that they've moved out of your house, or that it's no longer included in your policy. If they carry a car with them or are going to use yours when they visit your home, you should include them in your policy. Researching your options, understanding your needs, and comparing prices could help you find the best auto insurance company in Michigan.
For this reason, younger and newer drivers tend to pay much more for car insurance compared to older, more experienced drivers. There's a good chance that the insurance company will remove them from your insurance as of the effective date of your new policy, so don't be surprised if you don't have the option to remove them from your coverage. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. The final insurance policy premium for any policy is determined by the insurance company upon application.
If you have a teenager living in your house and you want to remove them from your car insurance, the best way to do that is to make sure they have their own separate insurance policy. In most states, it's illegal to drive without car insurance, which means that removing someone from your policy without their knowledge could break the law. You could also end up canceling your insurance policy or seeing an increase in your rates if the insurance company discovers that an excluded driver was driving your car, so think carefully before excluding anyone from your policy. However, auto insurance companies in Michigan can't consider your credit score or gender when calculating your premium.
If you've already compared the quotes of several insurance companies and you know that even the cheapest policy available is too expensive if you have to insure a specific person, sometimes you can choose to exclude a driver from your policy. The make, model and year of the vehicle you choose will also influence your car insurance rates in Michigan.