If you have any licensed drivers residing in your home, even if they are not related to you, you are expected to include them as
an occasional driver on your policy.
If you only plan to drive occasionally, your parents can also list you as
an occasional driver on their policy, which saves a few dollars.
You can ask your mom and dad to name you as
an occasional driver on their policy or ask them to co sign on your policy.
Not exact matches
Sometimes referred to as an
occasional driver, the secondary
driver is a
driver who is listed
on your auto insurance
policy as a
driver of an insured vehicle, but is not the primary
driver.
«We have them listed as insured (aka
occasional drivers),» says Snyder, AIA vice president and assistant general counsel, in Washington, D.C. «If you cover them under your
policy, they'll probably have more coverage than they could afford if they had to buy their own
policies on their own.»
Depending
on your
policy, most auto insurers cover the
occasional use of a rental car up to your liability limit for injuries and property damage that you cause to others as a
driver.
In fact, if you don't have your car at school, your parents could drop you down to an «
occasional»
driver on the
policy, decreasing the premium while keeping you protected.
Two kinds of
drivers are covered by your car insurance: those listed
on your
policy, and
occasional drivers.
If you are a teenager still living at home, then ask your parents to list you as an
occasional driver of the cheapest car
on their
policy.
The best thing to do is to inform the insurer about
occasional or principal
driver that should be
on your insurance
policy.