Reader’s Question:

My sister is staying with me here in Houston Texas for the next two years and I’ve lent her one of my cars so she can go to and from school. Do you think I should designate her as primary driver of this car when I renew the auto liability insurance next year?

Addison

Houston TX

I’d love to have a sister like you, Addison! My sister blows a fuse when I even borrow one of her clothes.

Let me see, well, the rule of thumb is: she who drives the car most often should be named as the primary driver. If your sister intends to use the car everyday, then she should be designated as the primary driver then all other members of your Houston Texas TA household can be named as secondary drivers.

However, if your sister presents a higher risk than you, then you may want to rethink the rule of thumb. You see, the insurer will base its computations of auto insurance premiums on the designated primary driver’s projected mileage, age and driving experience, sometimes even that person’s credit-worthiness. You can actually check how much this impacts on the premiums by getting some online quotes. Just type in your zip code in the form on this site and you can get some free quotes from insurers in Houston Texas TA.

Whatever you decide to do, just make sure you remember to disclose all the drivers in your household so that you are not suspected of misrepresentation, which could be grounds for denial of coverage.

Tags: auto insurance, auto insurance premium, Car Insurance Company