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Just go to your agent and tell him that the other person will be driving your car, either regularly or occassionally. If it is a member of your household (including live-in boy/girlfriend), they should be listed if they are a lisenced driver, regardless of whether or not they ever drive the car. And, yes, if they are on the policy, their driving and accident record will affect your rates.

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Q: How do you get insurance for someone else on a car whose title is in your name?
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What type of car insurance is needed if you injure someone else in an accident?

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