Can I be the primary driver on more than one vehicle?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 24, 2012

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Insurance Question from Johnstown, PA

Asked on 10/24/2012

Can I be the primary driver on more than one vehicle? My son recently got his driver's license. Then my father unexpectedly passed away. My mother gave me my father's vehicle for my son, but I won't put it in his name until he is at least 18 and can prove responsibility (he's pretty responsible,a conscientious driver, good grades and drivers ed). He does not drive very much-mostly only to school and back home (less than 5 mls) and occasionally on errands for me. Otherwise he rides with a friend w/ a much sportier and showy car and more driving experience. Even though I already own an SUV, I drive the car the most. My agent says I can't be on both

Answer given on October 29, 2012

if you have auto insurance and you own more than one car, then the other cars need to be assigned to the other licensed drivers in the household. If your son has a driver’s license, he does need to be listed on one of the cars. He would be eligible for all discounts, such as good student, and multi car discount. Some insurance companies give a discount for low miles. You do not have to assign him to any particular car. If you have an older car that does not have comprehensive and collision coverage on it, you can assign him to that car. If you have more cars than drivers in the household, you can list that car as an “extra car” and it will be a lower rate than the other cars in the household.If you have more drivers than cars, then the higher rated drivers need to be listed on the cars, so your son will need to be shown on one of the cars.

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