Often more than one person operates a particular vehicle insured. Companies would want to know who would be driving it most and who else would be listed. That is why you would need to determine who is the primary and secondary user of it. This is usually not difficult.
Usage is an important consideration when it comes to calculating vehicle insurance premiums. Your zip code tells the carrier that you are most likely to run around in your neighborhood. In the same way, it is important to know who is the main operator of the automobile.
Who Is the Primary Driver?
It is the person who will be using the vehicle most. This is usually the owner, but it doesn’t have to be. You need to be honest about who will use it more, rather than trying to work out the cheapest option. Saying that your daughter or son will be the main may cost you more than saying you are the one. However, you should be honest about it if you bought the car for their use.
Insurers mainly look at the age, history, credit score and other details like occupation and homeownership of the policyholder when they give a quote. Secondary drivers can influence the costs a lot especially if they are young. But it won’t be as much as if they were the first.
What Is Secondary Driver?
Anyone else who will be operating the insured motor vehicle on a regular bases should be included. Usually, anyone with a license in your household needs to be included. But you could add someone who don’t live with you if they are going to get the keys regularly. Actually, you should add them. They could be your friends, siblings or colleagues. They will be named drivers.
When deciding the order of the names on a policy, you need to consider who drivers it the most, rather than who owns. If you bought the automobile for your child you should put them first and you can be named after.
Additional Driver Insurance
Insuring additional drivers is the safer option when you know they will be getting behind the wheel. Often people are listed on each other’s policies. For example, if you and your partner have your own vehicles, each of you would be listed on each other’s coverage even though each of you would be the policyholder in your respective cars.
Most policies cover occasional drivers even though they are not named on the schedule. But those are the people who happen to ride the insured auto on an off chance, with your permission. You should always check that you have coverage for occasional motorists before giving them permission.
Secondary Driver Insurance Cost
Certainly, you may need to pay additional premium when you add one more person. You may also save money by adding more mature and a better motorist, especially if you are a young person. Cost of including others may be substantial when you add a teenager. And it may not affect the premium much if the additional person is experienced and has clean record.