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The Best Car Insurance Policies For a Family Car

Sharing with your family comes logically and many parents use cars with their sons and daughters. But insuring your family under the same policy might seem a bit complicated. Find out the best car insurance policies for a family car and visit our website for free car insurance quotes.

auto1 - personal-auto-insurance-680If you already have a car insurance policy, you could simply add a family member as a named driver on your already existing policy. This will allow the named driver to use the vehicle and be covered under the identical insurance as the main driver.

The important thing with adding named drivers is that the person who drives it most often must be the declared ‘main’ or ‘primary’ driver. That doesn’t necessarily have to be the owner of the car but the rates are based on the assumption that the main driver will be doing most of the driving so you need to fill in your details carefully. Providing imprecise information to your insurer or using someone else as the false main driver is called fronting and is considered a form of insurance fraud. You will be heavily penalized for providing wrong info to your insurer and they will even stop insuring you, citing the fraud causes.

You can also save for your family if you have multiple cars. Certain insurance providers now offer the possibility to insure several cars with on a single policy with a single premium. Some of them call these ‘family’ plans and some may possibly speak of to them as multi-vehicle discounts.  The second car you insure with the same company will naturally cost less than it would to insure on a different policy. In many cases the discounts increase the more cars you add to the plan.  But you will have to look at what each insurer has to offer in order to find the best option for you and your family.

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<a href=”https://plus.google.com/117864810135968472275″ rel=”author” title=” The Best Car Insurance Policies For a Family Car “>by Ciprian Gurgu</a>