I want to add my nanny in my car insurance policy. Unfortunately, she does not have a clean driving record in Georgia. If we add her under our existing car insurance policy, our rates double. Is there a cheaper way to have her insured?

Liz

Atlanta, GA

Firstly, you need to ask yourself if adding her would be really necessary. Insurers in Georgia would be asking you if she lives in your house, and if she drives your car for thirty consecutive days at a time. If this is not the case, then you need not include her under your policy since your current one may well cover her if anything untoward happens while she’s behind the wheel.

Another thing to consider before adding her to your policy is her driving record. Since you stated that she does not have a clean driving record in Georgia–What could be her previous traffic citations? Was she involved in a car accident before where she was found at fault? Did she get speeding tickets or committed any other traffic violation? If she has a driver’s license, why doesn’t an insurer agree to cover her?

If car insurance companies think that she is a high-risk driver based on her driving record, then shouldn’t you be having second thoughts on taking the financial accountability for her car insurance? And would you really trust her to drive your kids to and from school if she doesn’t have a clean driving record?

Investigate first. Then if you really are bent on adding her to your car insurance policy, you can always shop around or ask for discounts from your car insurance provider.