Adding an automobile to a policy often means an additional driver exists. Please give us the name, date of birth, and driver’s license number of a new driver in your household. If you fail to list them and they crash the car, they may not be covered. The policyholder is responsible for reporting all drivers and members of the household who are of driving age. If disabled or unlicensed, the company will list them as a household member only and not charge extra for them. Sometimes, adding a driver to the policy brings the price down, triggering a risk-averaging event. We can help assess the cost if you have a junior member of the family approaching driving age. Encourage the child to wait until eighteen to get their license. The cost to insure a teenager can be as high as $300 extra a month. Failing to disclose them could cost you hundreds of thousands.