If you occasionally allow someone like a roommate or a spouse to drive your car, then you probably do not need to take the step of adding that person to your car insurance policy. In such a case, you are lending someone your car and they should be covered by your car insurance policy. A car insurance policy runs with the car, and will cover you vehicle regardless of who is driving it as long as you gave permission. If the person driving your vehicle is involved in an accident, you could see your premium payments go up even though you were not driving, so be careful about lending your car to people!