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 on the policy. 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 insurer 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?
Primary driver is the person who will be driving the vehicle most. This is usually the owner, but it doesn’t have to be. You need to be honest about who will be driving it, rather than trying to work out the cheapest option. Saying that your daughter or son will be the main user 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.
Insurance companies mainly look at the age, driving history, credit score and other details like occupation and homeownership of the main driver 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 primary.
What Is Secondary Driver?
Anyone else who will be operating the insured motor vehicle on a regular bases is considered a secondary driver. Usually, anyone with a driving license in your household needs to be included in your policy. But you could add drivers who don’t live with you on your auto insurance if they are going to use it regularly. Actually, you should add them. They could be your friends, siblings or colleagues. They will be named drivers on your policy.
When deciding primary and secondary drivers on a vehicle insurance 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 as the main driver and you can be a listed driver.
Additional Driver Insurance
Insuring additional drivers is the safer option when you know they will be using your car. 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 primary driver 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 drive the insured auto on an off chance, with your permission. You should always check that you have coverage for occasional drivers before letting them use your car.
Secondary Driver Insurance Cost
Certainly, you may need to pay additional premium when you add another driver to your policy. You may also save money by adding more mature and a better motorist to your cover, especially if you are a young person. Secondary driver insurance cost may be substantial when you add a teenage driver to the policy. And it may not affect the premium much if the additional driver is experienced and has clean driving record.