{"id":1763,"date":"2023-06-20T05:48:06","date_gmt":"2023-06-20T05:48:06","guid":{"rendered":"https:\/\/teeninsurancetips.com\/?p=1763"},"modified":"2023-06-22T07:23:42","modified_gmt":"2023-06-22T07:23:42","slug":"insurance-occasional-teen-driver","status":"publish","type":"post","link":"https:\/\/teeninsurancetips.com\/insurance-occasional-teen-driver\/","title":{"rendered":"Occasional Driver Insurance for Teens: An Informative Guide"},"content":{"rendered":"
If you\u2019re a licensed driver but don\u2019t have a car of your own, and you occasionally borrow someone\u2019s car, you\u2019re classified as an occasional driver. People who usually rely on the car of their family members or roommates are considered occasional or secondary drivers.<\/p>\n
Auto insurance companies usually require that occasional drivers reside in the same household as the primary driver. An occasional driver’s insurance can be much cheaper than standard car insurance if the secondary driver uses the car less than 25% of the time.<\/p>\n
An occasional driver\u2019s insurance is usually more affordable than a standard auto insurance policy since insurance companies offer various discounts on it.<\/p>\n
Factors such as age, gender, marital status, zip code, car\u2019s make and model, driver\u2019s history, credit score, and coverage types affect the cost of an occasional driver\u2019s license. Some companies offer as much as 25% discounts on your insurance premiums. Take a look at the table below to understand the standard rates and coverage in various states.<\/p>\n
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Since occasional drivers typically drive less frequently, they pose less of a risk to insurance companies. Therefore, they can expect lower-than-average rates on their insurance coverage.<\/p>\n
However, it\u2019s important to find out if you qualify as an occasional driver to benefit from the lower insurance rates.<\/p>\n
Insurance companies classify an occasional driver as one who must drive the car only 25% of the time or less. Therefore, if a person shares a car with a family member but drives it more than 25% of the time, they will not qualify as an occasional driver. Such a condition makes sense for insurance companies since a person driving less frequently poses less of a risk.<\/p>\n
However, not all occasional drivers drive alike. When an occasional driver is a teen<\/a> or above 65 years of age, they\u2019re considered high-risk because of the potential risks associated with their profile. It\u2019s necessary to compare rates of multiple insurance providers to determine whether an occasional driver\u2019s policy helps you save significantly.<\/p>\n