What Is Family Car Insurance and Who Is It Right For?

If you live in a household with multiple licensed drivers, you might be considering a family car insurance policy. Having every driver in the home listed on one policy can provide convenience and other benefits, but it's not the right choice for everyone. You'll need to weigh the possible benefits of getting family car insurance before you make your decision.

An independent insurance agent can help you get set up with the right kind of car insurance for your family. They can also help you decide whether family car plans are best for you. But first, here's an overview of family car insurance and who it might be right for.

What Is Family Car Insurance?

A family car insurance policy is just another name for a multi-car insurance policy. These plans are available to customers with at least two insured drivers living under the same roof. Generally, each driver will be assigned to their primary vehicle under a family car insurance policy.

Many car insurance companies pair teen drivers with older vehicles on these policies due to their increased risk level. This can actually help lower your family's car insurance rates since older vehicles tend to be cheaper to replace or repair after an incident.

Who Is Family Car Insurance Right For?

Family car insurance can be right for any customer with more than one vehicle and licensed driver in their household. If you have multiple vehicles and multiple licensed drivers living together in your home, consider getting a multi-car insurance policy or a family car insurance policy. This can help reduce your overall car insurance costs and offer other potential benefits.

The Possible Benefits of Getting Family Car Insurance

Choosing a multi-car insurance policy or family car insurance policy can come with numerous possible benefits, including:

• Lower overall premiums
• Convenience in the form of one premium payment and due date
• Convenience in the form of just one policy to file claims through
• Only one deductible to pay for each claim if a single incident like hail affects multiple vehicles
• The possibility of combining your coverage from multiple insured vehicles for hefty repair bills, based on state availability

The possible benefits offered by multi-car insurance policies make them the right choice for many families. But if you're still undecided, an independent insurance agent can help you determine the best choice for your unique situation.

How Much Does Family Car Insurance Cost?

The cost of a family car insurance policy or multi-car insurance policy varies based on the insurance company in question and many other factors. These include:

• The driving history of all insured drivers
• Credit scores of all insured drivers
• The ages and genders of all insured drivers
• Your location
• The types and values of all insured vehicles

A local independent insurance agent can help find quotes from multiple carriers that sell family car insurance in your area.

How to Save Money on Family Car Insurance

You can easily reduce your family car insurance premiums by qualifying for various discounts. The available car insurance discounts offered vary by insurance company, but you can often expect to find the following:

• Bundling discounts: Offered to customers who bundle their auto coverage with another policy, such as homeowners insurance, through the same carrier.
• Good student discounts: Offered to customers with an insured driver who is a good student who maintains at least a "B" grade average.
• Safe driver discounts: Offered to customers with clean driving records and no traffic violations or accidents within the past few years.
• Defensive driving discounts: Offered to customers who complete approved defensive driving courses.

Your independent insurance agent will help find and apply any discounts your family qualifies for on multi-car insurance.

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Who Sells Family Car Insurance?

Many different carriers sell multi-car insurance policies or family car insurance policies, but we made a list of a few of our top-rated recommendations for your convenience. 


           

Top Family Car Insurance Company	Overall Carrier Star Rating
Travelers	5 Stars
Nationwide	5 Stars
USAA	4.5 Stars
Erie Insurance	3 Stars
Country Financial	3 Stars

An Independent Insurance Agent Can Help You Find Family Car Insurance

Independent insurance agents have access to multiple carriers, so they're free to shop and compare family car insurance policies for you to find the best deal. They'll get you matched to the policy that offers the best overall blend of coverage and cost. And down the road, they'll be there to help file car insurance claims for you or update your coverage as necessary.