Auto Insurance Quotes Online Amarillo Texas TX
Reader’s Question:
My wife Debbie and I have two cars in our home in Amarillo Texas TX. One is 5 years old while the other is a brand new unit financed through a bank loan. Can I be primary driver of the new car and not primary on the older one?
Don
Amarillo, TX
A good rule of thumb is this, Don: the one who drives a particular vehicle most often and whose name is listed first in your auto insurance policy is the primary driver. If its you who drives the new car most of the time, then you’re the primary driver. The others in your Amarillo Texas TX household (Debbie, for instance) become secondary drivers.
However, you have two cars. A neat arrangement would be for your wife Debbie to be the primary driver of the other car and you (as well as other drivers in your household) the secondary.
The designation of a primary driver is a very important decision when taking out an auto insurance policy. The person named as primary driver on the vehicle will be the one the auto insurance carrier will use as basis for computing the auto insurance premiums. The auto insurance company will factor in such things as the primary driver’s use of the car, driving experience, age, and credit worthiness, along with the car’s make, model, mileage, and age.
Make sure to disclose all primary and secondary drivers in your household to avoid the dangers of material misrepresentation and denial of coverage.
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