This is an ongoing and live document being updated constantly
Do I have to list every driver in the household on my auto policy, or can I exclude some drivers?
This depends on the state, for example, Wisconsin does not allow excluding drivers the same way other states allow. This can come as a big surprise to many who move for example from California to Wisconsin. Also, in Wisconsin, car insurance goes to the vehicle first, and the driver second. So what does this mean from a practical matter? It means that almost always, the most efficient method from a cost point of view is to have all drivers on ONE car insurance policy.
However, from a liability point of view, it’s generally better to have non-married adults get their own policies and drive only their vehicles, at least in Wisconsin. We generally have this discussion often because parents with adult children living in the same home may want to isolate their liability from their adult children’s actions (and mistakes). Most parents opt to have their kids on the parents policy even though their kids are 18 or older because of the first answer (it’s a lot cheaper).
What are the advantages of having an agent instead of buying direct (ie online)?
Do you require my Social Security Number?
Will you or an insurance carrier run a credit check?