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Car Insurance Rules For Secondary Drivers | HUB Insurance Hunter Blog

September 26th, 2011  |  Insurance

While most drivers are aware of the basics when it comes to car insurance for primary drivers, the rules about secondary drivers and car insurance is a little less clear. To keep your costs down you need to understand some of the general rules for secondary drivers.

A secondary driver is anyone who uses a vehicle on a regular basis. This can be a spouse, child, or anyone that lives in the same house.  Keep in mind that you can have more than one secondary driver, but as a general rule, every additional driver you add to an insurance policy will further increase your car insurance costs.

It is important to make your insurance company aware of any secondary drivers that will be using your vehicle to ensure that you have the right amount of coverage in place. Plus, you risk not being covered if a driver gets into an accident with your vehicle and are not on your policy.

One of the most important rules for secondary drivers is to make sure they have a clean driving record before you add them to your car insurance policy. Teen drivers and drivers with a poor driving record will increase your rates more than the average driver.

Have questions about car insurance rules for secondary drivers? Call HUB Insurance Hunter and one of our car insurance agents would be happy to provide you with some clarity. And, don’t forget to get 3 quotes in 3 minutes with us and save money on your next car insurance policy.


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