What Are Exclusions In A Car Insurance Policy?

Car insurance rates seem sky high to most of us, and trying to understand our entire auto insurance policy may seem futile at times. Like the section entitled exclusions. Exactly what is an exclusion, and how does it affect my car insurance coverage? An exclusion is a person or incident that is not covered under your vehicle insurance policy. If a named excluded person operates your vehicle and has an accident, or causes damage or an injury, your car insurance carrier does not have to cover any claim relating to it.

The excluded driver operating your vehicle means your car insurance policy is null and void. A person may be named as an exclusion for a variety of reasons, depending on their driving record, age, and the coverage you choose. Many times adding a teenager in the house to your auto insurance policy can cost an astronomical amount, and many parents choose not to insure their teens or let them drive the family cars because of the high costs. In this case, the teen would be named as an excluded driver under the car insurance policy.

Cheap car insurance may include exclusions to keep your auto premiums low. If a member of your household is considered high risk for car insurance then you may end up paying higher rates. If you do not allow the high risk family member to drive your vehicle, you can have them named as an exclusion so that your car insurance rates do not reflect the higher risks. This will allow you to pay car insurance rates based on your risks, not the risks of someone else. Many times a person has gotten more than one DUI or other violations and are considered such a high risk that no auto insurance provider will cover them, no matter how much they are willing to pay. These people are always listed as exclusions and should never be allowed to drive your vehicle, or else it could cost you a tremendous amount of money and trouble.

It is very important to read your car insurance policy carefully when you first receive it. Take notice of any named excluded drivers, so that you are aware if any person in your household is named. Cheap car insurance does not protect you if an excluded driver is operating your vehicle, and instead of saving money you may be paying it out for a long time to come.

Whether you have a family member that is high risk or not, cheap auto insurance is possible. Free car insurance quotes will allow you to compare vehicle insurance rates between several different companies, so that you get the savings that you deserve instead of paying top prices for your auto insurance needs. These quotes can help you save hundreds of dollars or more each and every year on your car insurance policy. Know what your exclusions are, and compare auto insurance quotes, and you will be amazed at how cheap car insurance can really be.