My sister will be visiting me next month to attend my daughter’s wedding here in Texas. I’m thinking of letting her borrow my car so she could drive around without having to rent a vehicle. What is the policy for a guest driver like her? Also, will my cheap car insurance rate be affected once she is listed as a guest driver on my auto insurance policy?

Thelma

San Antonio, TX

Best Wishes on your daughter’s wedding!

Going back to your question, in general, when you let another person drive your car, meaning to say you gave permission to that person to use your vehicle; whatever coverage you have on that car will be extended to your sister. Thus, your sister will be covered depending on the auto insurance policy that you have.

As to your second question on whether this will affect your cheap auto insurance rate since she will be listed as a guest driver, I am not aware of any rules like this. I’m thinking that since she will only be using your car for a short period of time, then I don’t see any reason for you cheap auto insurance rate to be affected after all.

However, just to make sure that your sister will still be covered by your car insurance and that there are no changes on your auto insurance rate, it’s best to check your policy for any exclusions on the coverage. Also, please remember to ask your Texas car insurance agent to better clarify things. Again, good luck on your daughter’s wedding!