Can I Change the Primary Driver on my Auto Insurance Policy
A number of consumers may be wondering whether they can change the primary driver on an auto insurance policy. You can change the primary driver on an auto insurance policy by contacting the company and letting it know about the change in circumstances and ask that your policy information be updated.
In many cases, the insurance company has a toll-free number for its customer service department. Contact the company and let the customer service department know that you need to make a change to your policy. Before you pick up the phone, you should have your policy number, the make and model of the vehicle, and its Vehicle Identification Number (VIN). The insurance company will need this information to process your request.
When you ask your auto insurance provider to change the primary drive from the policy, be sure to request written confirmation that the change has been made. You should also ask whether changing the primary person on the policy means that your rates will change.
Circumstances Where You May Need to Change Your Policy Information
Changing the primary driver on an auto insurance policy is only one example of circumstances will your policy information will need to be changed. You will also need to contact your auto insurance company to change your policy if you:
- Move to a different residence, even if you are still living in the same city or town
- Change your name, phone number, or e-mail address
- Buy a new vehicle Sell or dispose of the vehicle listed on your policy
- Add a new driver to your policy
- Remove a driver listed on your policy
- Change your coverage
- Change your payment method or frequency
Primary Driver Auto Insurance Coverage
The primary driver on the policy is the person will be driving the vehicle most of the time. In a household where there are two cars and more than one licensed driver, each vehicle will have a different person assigned as the primary driver. Other drivers living in the home would be listed as secondary or tertiary drivers so that they are covered as well.
The insurance company will want to know who the primary driver on the policy will be so that it can calculate risk and set a price for coverage. While the primary driver’s record behind the wheel is considered for this purpose, the insurance company will also ask about the other licensed drivers in the household when setting rates. Even if a secondary or tertiary driver doesn’t get behind the wheel often, he or she has access to the vehicle and this fact will be considered when setting rates.
If someone in your household would be considered a high-risk driver for auto insurance purposes, you can choose to have him or her excluded from your policy to save on your coverage costs. That person will need to understand that he or she is not covered and cannot drive your car.
