Does my car insurance policy allow me to drive any vehicle or are there specific restrictions I should be aware of?

Car insurance policies typically apply to the car itself, not the driver, meaning the policyholder decides who is covered to drive the car.

The insurance policy follows the car, not the driver, except in cases where you rent a car for personal use.

If you frequently drive someone else's car, you might want to consider getting non-owner car insurance to ensure liability coverage.

In most cases, a standard car insurance policy covers drivers who use the car occasionally with the owner's permission.

Drivers who live in the household should be listed on the policy to ensure coverage.

If you drive someone else's car, their car insurance policy typically covers someone else driving the car, but your own insurance could be involved if the primary coverage is not enough to cover damage costs.

Non-owner car insurance is liability-only coverage for drivers who want protection if they drive someone else's car.

Non-owner insurance policies provide bodily injury and property damage liability coverage.

If you have a lapse in car insurance coverage for up to 30 days, you may see an increase in rates by an average of about 14% a year.

Your car insurance does cover other drivers who use your car as long as it's with your permission.

Some insurance companies limit coverage for drivers who aren't on the policy, or in rare cases, may not cover other drivers at all.

Drivers who are part of your household have to be listed on your car insurance policy.

Adding a new driver to your insurance policy can impact premiums, with a 21-year-old paying $1436 as the sole driver on a six-month policy.

Liability coverage follows the driver when the insured drives someone else's vehicle, as long as it is an eligible vehicle.

If you explicitly name someone as an excluded driver in your policy, they will not be covered if they drive your car.