Adding Teen Driver To Your Car Insurance Policy in Georgia
Reader’s Question:
My wife and I have two cars in GA. We want to add my 19 year old daughter to our policy as an occasional driver, will that be cheaper than adding her as a primary?
Harold
Albany, GA
It really depends on the Georgia insurance providers and their guidelines as well as their rating systems if it would be cheaper to have your daughter listed as an primary driver or occasional driver on your car.
Not all insurance companies in Georgia rate using primary driver or occasional driver . Typically, an occasional driver is rated at a lower rate than a primary motorist by insurance companies that do have these different designations. Plus, it may be possible to have an individual listed as the primary on one car, but not on all household cars.
Regardless of the cost, you will have to tell the use as defined by your specific insurance company. So speak with your insurance broker and see if they have both types of motorist designations and if so what he or she would advise to place your 19 year old daughter as.
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