In the modern world, getting a second car for the household becomes a very urgent necessity at certain points of family life. The reasons for that can be very different for every family, but the most common one is children hitting the driving age. However, irregardless of who and why is getting behind the wheel of the second vehicle, it is necessary to take care of additional car insurance coverage.

Here are two ways to get second car insurance. You can either apply for a brand new insurance policy or you can extend your existing coverage onto another driver. If you haven't been the best driver and your car insurance rates increased over the course of getting some tickets or occasionally scratching other cars, then it is not a good idea to add another driver to your policy and therefore somehow combine your driving records. Don't forget that car insurance companies keep track of all your adventures on the road. It is better to sign up for a new policy, however to do that with the same insurer – this way you will still get insurance discount for the second policy, however it won't be the second vehicle under one name.

If you really are one of those people who always drive five miles below the speed limit, do the most perfect job parking, and never, knock on wood, get any tickets, then you will definitely benefit from “sharing” your policy with your significant other.