Teen auto insurance – Is the teenager a principal driver on auto insurance policy?
Andy Jekings: I am adding my daughter to my auto insurance policy, and she’ll be taking one of my cars with her to college. Does this mean that she’ll be considered the principal driver on the policy?
Response: Andy, you are missing the correct question behind this, what you really want to know is if your daughter is a principal driver than how would the insurance companies rate the policy or what will my auto insurance premium be.
Now let me explain this properly to you. If your daughter is borrowing your car to take with her to college, she must be listed as either a principal driver or an occasional driver on your insurance policy. Secondly, it would be important if the car is in the name of your daughter than she would be a principal driver. Most insurance companies will consider someone as the principal driver on the policy if he or she:
Check with your insurance company to see if you should list your son as a principal driver, and if so, how your insurance coverage and premiums will be affected.
If your daughter is listed as a principal driver than the auto insurance premium would be higher. If your daughter is using the car less and you are the principal driver than the insurance premium would be much lesser.
However, teen auto insurance premium for girls is much less expensive than the boys auto insurance premium. You can compare the teen car insurance quote here and am sure you will find cheap car insurance quote. Again you should try to obtain all the possible discounts so that you can qualify for cheap car insurance quote.
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