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What To Know About Adding A Secondary Driver

Tuesday, April 12th, 2011

If you have been driving for awhile, you probably do not need car insurance tips. If your driving record is good, it may be that your car insurance premiums are low already. However, if you get married or decide to add a secondary driver, such as a child or friend, your premiums will definitely be affected.

When you add a secondary driver, your insurance company no longer looks at your driver’s record alone. Now, when computing your premium, it will also consider the secondary driver’s record as well. Any moving violations or accidents that the secondary driver may have will now be included in your yearly car insurance costs.

Another factor the insurance company takes into account is the secondary driver’s age and gender. Male drivers aged 16 to 25 are the highest risk group on the road. Young women are also part of the high risk group. If you are part of that group as well, your premiums will rise. If you belong to another age group that does not have such a high risk associated with it, adding a secondary driver from that age group will increase your premium accordingly. In other words, if you add a secondary driver, your premiums will be shaped by both of your ages.

Even if your secondary driver is only going to drive your car once a month, the premiums will change. The insurance company will still be responsible for whatever happens when the secondary driver is behind the wheel, so even if he or she is only driving for 10 minutes, his or her driving record, driving history and age will have an effect on your policy.

If the secondary driver that you plan to add is still driving on a learner’s permit, your premiums may not be affected at first because you or some other licensed driver will need to be with the secondary driver until he or she has earned a driver’s license. However, once he or she gets a license, be prepared for a significant rise in your rates.

When your insurance company considers your secondary driver, it has to base its rates on the worst case scenario, not the best. In other words, whichever driver is the youngest or has the worst driving record will be the one used to determine the premiums from that point forward.

Car insurance tips used to be a dime a dozen. With the Internet, now they are even more prolific. Check around. You can find some very reputable sites. Run some comparison figures to see where you will find the best deal. Take advantage of whatever free advice you can find and save yourself some money.

How A Secondary Driver Affects Auto Insurance Rates

Wednesday, February 16th, 2011

This article will discuss how a secondary driver can affect auto insurance rates. A secondary driver is a person other than the primary driver that is legally allowed to drive an insured vehicle. Secondary drivers are many times young people who do not have their own car yet and are driving their parents’ car on occasion. Since auto insurance rates for any type of policy for a teenage driver falls under the most expensive category of insurance in existence, several parents elect to choose the option of having a secondary driver on a policy for a son or daughter that has just received their driver’s license.

There will definitely be a higher premium when you decide to add another driver to your policy and the exact amount of this increase will vary and depend on the information collected and assessed by the insurance company. Auto insurance rates are commonly very heavily influenced by a person’s age. Another common factor that always affects the rates of anyone’s premium rates is their driving record.

Adding more drivers can end up costing a person a great deal in the long run, if there is accidental damage to their vehicle. It is always an unfortunate incident when someone adds a few people onto their policy, and are then quickly buried in a mountain of bills from the result of someone else’s mistakes.

Going with a secondary driver is usually a good idea as a temporary solution to save some money, or if there is someone that does not use their car very often. If you decide to add a secondary driver onto your insurance policy, and the person is over the age of 25, there should not be a significant increase to your insurance bills. The great thing about the Internet is that these days you can jump online and shop for many different auto insurance quotes for policies that offer a good rate for secondary driver insurance. Although secondary insurance plans are not commonly proudly promoted and heavily advertised by most big name insurance companies, finding insurance on the Internet is still the fastest way to find the policy that you are looking for. Within minutes, you will be able to find out exactly what the numbers will be and you can decide which option to go with for your secondary insurance.

A secondary insurance plan can help to cut cost down if a small group of individuals decided to split the costs of the plan evenly. If this joint venture works out, a secondary insurance plan could be helpful for the long run. This endeavor could end up becoming unsuccessful if it becomes too costly for one person.

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