What factors determine who should be the primary driver on a car insurance policy?

Age is a significant factor - younger and older drivers typically pay higher insurance rates due to their increased risk of accidents.

Driving experience matters - the more years a driver has been licensed, the lower their insurance rates tend to be.

Gender plays a role - statistics show men are more likely to be involved in accidents, so they often pay higher premiums.

Marital status can impact rates - married drivers generally have lower accident rates and receive better insurance rates.

Credit score is considered by many insurers - drivers with higher credit scores often qualify for lower insurance costs.

Type of vehicle driven is evaluated - sports cars and high-performance vehicles usually have higher insurance rates due to their increased risk.

Annual mileage is assessed - drivers who rack up more miles per year pose a greater risk and may pay higher premiums.

Driving record is crucial - a history of speeding tickets, accidents, or DUIs will significantly increase insurance costs.

Occupation can be a factor - some jobs, like delivery drivers, are seen as higher-risk and may result in higher rates.

Garaging location matters - where the vehicle is primarily parked, such as in a garage or on the street, can impact insurance rates.

Usage of the vehicle is evaluated - personal use versus business use may result in different insurance requirements and costs.

Bundling policies, such as home and auto, can lead to discounts and savings on car insurance premiums.