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It depends on the age and driving record of both parties. Generally speaking, women can get cheaper insurance rates than men, all things being equal. However, an older man with a long, clean driving history would get a cheaper insurance rate than a young woman with a short or poor driving history.
If you are both listed as possible drivers, it probably won't make a large amount of difference in the price you are quoted. The insurance company would have to assume that either party could be driving the vehicle at any given time.
What else can I help you with?
If one is the primary driver for the car in terms of insurance but does not possess the title for the car is the insurance valid?
It is if you are listed on the policy as a driver.
Do you have insurance listed on your driver's license?
No, insurance is not listed on a driver's license.
How can I obtain insurance without a driver's license?
You can obtain insurance without a driver's license by adding a named driver to the policy who has a valid license. This person will be the primary driver on the policy, and you can be listed as an additional driver.
Does a teenage driver have to be listed as the primary driver of one of the vehicles on the policy to be covered?
No. If he is listed at all, then he is covered. If he IS the primary driver of a vehicle, then he should be listed as such.
Does your auto insurance company have to cover your son's accident even if he's not listed as a household driver?
No he have to listed as a second third or household driver for being cover by insurance
If you drive a friend's car alone and do not have insurance are you breaking the law if the friend has insurance and you have a license?
Unless the policy has a clause that says it is only insured for listed drivers, the insurance follows the car. If it is listed on your friend's policy, it is covered whenever a licensed driver is behind the wheel. This is assuming that you are only borrowing the car temporarily. If you are using it long-term your friend should have you listed as the primary driver on his policy.
Do you have to add your child to your car insurance if they live at a different household but primary driver of the car?
Only in a case whereby you would like them to be responsible for paying a claim if something happens to the vehicle while the child is driving. Sorry for the sarcasm. You would definitely be required to have them listed as the primary driver on the vehicle in this case where they are the primary driver of the car. Remember to always tell the insurance company the complete truth. All household members and/or drivers of the vehicles must be listed as drivers on the application. Remember that this means if they live in the household or if they drive the car. This means that in either case they must be listed on the application as driver. If your child lives elsewhere such as in college they are still considered a member of the household and therefore must be listed on the insurance application. Be careful about telling the insurance company the complete truth about drivers, vehicles, and addresses to make sure you have coverage when you need it.
Do licenced minors have to be listed on the parents insurance policy?
Licensed minors do not need to be listed on the parents' insurance policy in this state. Any family member is included on the primary driver's insurance. However, the insurance agent must be informed about the fact that minors will be driving the car. They must be listed as drivers on a form and have an insurance card to drive legally. There is a difference between having an insurance card and being listed on the policy. Simply because they are not listed on the policy does not mean the rates will not go up. Different regulations may apply in your area.
What does primary and non contributing really mean in regards to general liability insurance coverage?
It means that whoever states their insurance is Primary, it's really Primary regardless of who is at fault. For example, the subcontractors insurance is usually primary over the GCs insurance. This means that if the sub has a claim and in all reality it's the GC's fault, but the sub listed their insurance as primary, then the subs insurance is paying first no matter what. Primary means just that, the insurance listed is PRIMARY, regardless of fault. www.mac2insure.com
Does a newly licenced driver under the age of 18 have to be listed as a driver with the insurance company or are they covered automaticly under the parents' policy?
They must be listed.
Can you be auto insured under your uncles policy?
It depends on which company your uncle is insured with, but typically with a standard insurance company you have to live in the household to be a listed driver on the policy. This is regardless of your relationship to the primary insured. If you are not listed on the policy as I driver you are still insured to drive his vehicles as long as you have permissive use.
Will your auto insurance cover a permissive driver if you are disabled and cannot drive?
It sounds like this person will be a regular driver and as such they should be listed on your insurance as a driver. In your policy you agree to list all household residents and regular drivers. They should be listed on your policy.
