If you want to cancel your policy, GEICO makes it easy for you with no cancellation fees*. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. There are times when you may not want to include a licensed family member in your policy because of the impact your state could have on your premium. For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate.
However, some states prohibit excluding anyone who is of driving age from your household. Pros and cons of removing a driver from your policy: saving you money if you're a younger driver or a high-risk driver. You can reduce your Geico car insurance costs by taking advantage of Geico discounts, opting for a higher deductible and reducing your coverage, among other things. If they have a car with them or are going to use yours when they are visiting home, you should leave it in your policy.
The most common reasons for high car insurance costs include your driving history, age, coverage options, where you live, the car you drive, your credit history, or not taking advantage of discounts. All major insurance companies use a credit-based insurance score to calculate premiums when allowed by law. An excluded driver is a person in your household who has been explicitly excluded from coverage under your auto insurance policy. Combining policies, setting up automatic payment and going paperless are easy ways to get a discount on car insurance.
If they drive their car and cause an accident, they won't have coverage, meaning they'll have to pay the cost of the accident out of pocket and could face the consequences of driving without insurance. Some insurance companies will allow you to exclude a teen driver, but many companies don't allow it because they expect your child to drive their car at least part of the time. 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 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.
Whether it's filing a claim against your life insurance policy or removing them from your car insurance, you'll most likely have to provide a copy of your death certificate to the insurance company in order to make any changes. If someone in your household has purchased their own insurance policy, wait for your insurance company to ask you for proof of their new insurance before allowing you to remove it from your coverage. Statistically, teens are more likely to cause car accidents than the average driver, so insurance companies charge them the highest premiums. Driving without car insurance is illegal in most states, meaning that removing someone from your policy without their knowledge could break the law.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. The final insurance policy premium for any policy is determined by the insurance company upon application.