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4.) Not including ALL persons with a drivers license (or temp. permit) in the household.
Several of the largest car insurance companies will NOT insure you unless EVERYONE living in your household is included on the car insurance quote/application. If your teenage driver has a permit, he/she needs to be included in the car insurance quote. If you have a roommate (not your spouse) that may drive your vehicle(s) more than in case of emergencies, the insurance company will want to include them as an insured driver on the policy. Remember, car insurance always follows the VEHICLE, not the person (except in certain circumstances). Be careful who you let drive your vehicle(s).

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