Auto Insurance: Primary Drivers on Vehicles: How It Works
The primary driver of a vehicle is the person who drives that particular vehicle the most and is listed first on the policy. Secondary drivers also use the vehicle, but don't drive it as often as the primary.
When you take out an insurance policy on your vehicle, the insurance agent will ask who drives the car most often. This person, who is the primary driver on the vehicle, will be the person that they base the insurance premiums on. It is this person whose credit, driving history, use of the vehicle and age will be taken into consideration, along with the make, model, age and mileage on the car.
What happens if you own two vehicles and there are two drivers in the house? If there are two vehicles and two drivers, each of the drivers will be listed on one car as the primary driver and the secondary driver on the other vehicle. For example, if you are married and own two cars, you and your spouse would each be the primary driver on the vehicle.
What happens if there is only one vehicle and two drivers? The person who drives the vehicle most often will be named the primary driver and the other person will be named the secondary driver. For example, if you are married and own one car, the spouse that uses the vehicle most often would be listed as the primary driver on the vehicle.
What happens if you own two vehicles and have more than two drivers? The people who drive the two cars most often will be listed on the insurance policy as the primary driver, one on each vehicle. The other people will be listed on BOTH cars as secondary drivers, or only one vehicle if they don't ever drive one of the vehicles. For example, if you are married and have two vehicles and two teenagers who have their licenses, each of the spouses would most likely be listed as the primary drivers on the vehicles (provided they drive them most often) and the two teenagers would each be listed on one or both vehicles as secondary drivers.
What happens if there is one driver and two or more vehicles? Then that person would be listed as the primary driver on both vehicles. For example, a single person who owns a truck and a car would be listed as the primary driver on both vehicles.
Most often, teenagers are listed as the secondary driver on one of the vehicles on the insurance policy that their parents carry. The reason for this is because adding your teenager to your insurance policy can be quite expensive, and you don't want to have the surcharges for teenage secondary drivers on both vehicles. However, if you do only list your teenager on one vehicle, they should only be allowed to drive that vehicle. If they are involved in an incident with the other vehicle, your insurance could become void.
Some insurance companies offer discounts for primary drivers that have a lot of experience being the primary driver, usually six years of clear insurance experience as a primary driver will get you a discount. Check with your agent regarding any insurance discounts available to you.