Primary Drivers on Your Auto Insurance Policy

By Compuquotes Team on March 27th, 2008

Auto Insurance

Primary driver - the person who drives a vehicle the most and is listed first on the insurance policy.

Secondary driver - alternate person or people who also drive a vehicle but not as often as the primary driver.

When you talk to an insurance agent or broker to get auto insurance, one of the first questions the agent will ask is who drives the car the most. This person will be listed as the primary driver on the vehicle and it is that person and their driving and insurance records that the premiums (payments for insurance) will be based on. The primary driver's insurance record, driving history, credit, gender, age, as well as how he or she uses the vehicle, coupled with the make, model, age and mileage on the vehicle, will determine the premiums and type of auto insurance required.

If you and your spouse own two vehicles and both drive, your agent will list each of you as the primary driver on one vehicle, and the secondary driver on your spouses primary vehicle. You can not have two registered drivers in the household and one primary driver for more than one vehicle. For example, the husband can not be listed as the primary driver on two vehicles if his wife drives, and there are only two vehicles.

If there are two drivers and only one vehicle in the household, the person who drives the vehicle the most often will be name the primary driver on the vehicle and the second person in the household (and anyone else who holds a valid drivers license) will be named as secondary drivers - this also includes driving teenagers.

If you have more than two drivers in the household and only two vehicles, such as a married couple and two driving teenagers, each of the spouses would be listed on a vehicle as the primary driver and the teenagers (or other drivers in the house) would be listed as secondary drivers on both vehicles. If the teenagers only drive one of the vehicles, they would only be listed on that one. However, the husband would be listed as a secondary driver on the wife's vehicle and vice versa as well.

In most cases, driving teenagers are only listed on one of the vehicles that the parents own. Adding your teenager to an insurance policy can be quite costly - you can expect your rates to rise significantly. You don't want to have surcharges for having a teenager or teenagers on all of your vehicles. It is important to note however that if you list your teenager only on one vehicle the parents should only allow them to drive the vehicle they are listed on. If they are involved in an accident while driving the vehicle they are not listed on, your insurance may be invalid and your insurance company could void your policy.

There are many discounts available for auto insurance based on the history of the primary driver on a vehicle. Six years clear is a term used to note that you've not had a claim on your insurance or any speeding tickets or accidents in six years. The insurance companies also call these �stars' - a six star driver (the highest you can get) has the best rates.

See average annual insurance rates for more than 2,000 vehicles

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