How To Include A Spouse In An Auto Policy

An auto insurance policy is an important financial tool for most households. It protects you against large financial losses if you cause an accident that injures another driver or damages another person's property. Some coverages, such as comprehensive and collision, also pay to repair your car if you are in an automobile accident. If your spouse drives, you will need to include her on your auto insurance policy so she is protected as well. In most cases, adding your spouse to your car insurance policy takes less than 15 minutes.

Step 1

Call the agent or broker that sold you your auto insurance policy, or call the insurance company directly if you do not have an agent. Most states require insurance companies to print their telephone numbers on their policy books.

Step 2

Provide your policy number to the agent, broker or company representative. This will help ensure that your spouse is added to the correct policy.

Step 3

Give the agent, broker or representative your spouse's name, Social Security number, date of birth and driver license number.

Step 4

Ask the agent to fax or email an updated declarations page showing that your spouse is now covered under the auto insurance policy. Keep the new declarations page in the car until your insurance company mails new identification cards to you.

Tips and Warnings

Ask your agent or representative about how much extra it will cost to add your spouse to your car insurance policy. Your policy premium, which is the amount you pay for coverage, may increase. Ask your spouse about his driving history before calling. If your spouse has a history of accidents or traffic violations, your insurance company may refuse to add him to your policy.