Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 29, 2022

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In a nutshell...

  • Choosing to add another car to your insurance policy is an option you can decide to pursue
  • It’s important that you know how adding another car to your policy may ultimately affect your coverage; both positively and negatively
  • Before adding another vehicle to your policy, it’s important to determine which coverage options you want for each car and how much you’re willing to pay in premiums
  • The vehicle may introduce additional risk to your policy, especially if the car is considered high-value or that type of car is often reported stolen

When you decide to add another vehicle to your insurance policy, there are several factors that both you and your insurance carrier will consider.

Each insurance carrier has a different set of rules and guidelines for adding vehicles and changing an existing policy, so it’s important that you work within the bounds of those rules.

If your current provider cannot meet your needs for a reasonable price or at the coverage limits you expect, you may need to seek coverage from a different provider.

Compare different providers today using our free rate tool. Enter your zip code above to get started for FREE!

Positive Effects From Adding Another Car


Adding another car to your policy can have some positive influence on your current insurance policy. One example of this positive influence comes in the form of a discount for insuring multiple vehicles with your insurance carrier.

While every carrier works differently, many offer discounts to their policyholders for the following:

  • Safe driving
  • Having safety equipment in their vehicle
  • Insuring multiple vehicles through the same carrier

It’s important to remember that these types of discounts may have stipulations with them, such as requiring that you remain accident-free or avoid filing a claim.

If you are not sure about possible discounts your carrier offers, speak to them and ask them to review your policies.

They can often tell you if there are any applicable discounts or potential discounts you may qualify for.

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Negative Effects From Adding Another Car

While adding another car to your policy may affect it in a positive way, there are also potential negative effects that can occur. One of the biggest negatives may come in the form of an increased risk of exposure, which often leads to higher premium costs.

Certain types of vehicles are reported stolen more frequently than other makes and models.

When your insurance carriers look at your policy quote and the type of vehicle you own, they also look at the vehicle’s theft potential, something that you cannot alter.

If your vehicle is reported stolen more often than other models, or you live in an area that has high levels of vehicle theft, you may face increased premiums to offset the potential loss.

If the potential of automotive theft is something that you are concerned about, speak to your provider before adding another car to your policy. They may be able to provide you with information regarding that model of car and how adding it would affect your policy.

Things To Keep In Mind When Adding Another Car


When you choose to add another car to your policy, you are accepting more risk exposure and asking your insurance carrier to do the same.

In most situations, you will be required to pay more premiums to insure an additional vehicle, so it’s important that you choose coverage options that you need and can afford. There may be other ways you can help to reduce your costs as well.

To reduce the potential of premiums that you cannot afford, look at some ways that help to reduce your total out of pocket cost. For example, choose a higher deductible for any coverage that allows you to do so.

By choosing to accept more of the risk up front, your carrier is responsible for less of any reported loss.

If your current carrier is unable to provide you coverage at a price you can afford and with the coverage you need, you may want to consider looking at another carrier.

Every insurance company will look at you and the risk you introduce in a different way, meaning some providers may consider you a lower risk than other providers do.

Adding another vehicle to your policy may seem like a simple decision, but there are different factors that can come into play. The style and age of the car you are adding can increase the risk you are exposed to, which often leads to increased premium costs.

If you find that your current provider is unable to meet your needs at a reasonable price and within the coverage limits you request, you may want to look for coverage elsewhere.

Before you add your additional car be sure to speak with your insurance carrier, either your current or prospective one, about any questions or concerns you may have. They should be able to address these concerns and help you make a decision that meets all of your needs.

See if you could save money on your car insurance premiums by entering your zip code below.