- The vehicle - model, year, annual mileage, location, usage
- The driver(s) - gender, age, driving experience, driving record, claims record
- Insurance coverage selected - coverage types, limits, deductible
You don't drive, but why?Once an insurer is aware of all potential resident operators it can categorize them. The categories can vary by insurer, but tend to include groups such as licensed, unlicensed, unrated and excluded. To place you into the correct grouping, auto insurance providers will want to know why you don't have a valid license.
If you aren't driving due to your driver's license being suspended or revoked, then it's very possible that the car insurance company will require your wife to exclude you, if possible, from the policy. An exclusion should make them feel comfortable they aren't taking you on as a risk, and in return her rates shouldn't be affected. (See “ What is a named driver exclusion?”)If you've never been licensed, then an insurer may still require you to be excluded, or instead just label you as unlicensed and unrated driver, so that you wouldn't affect your wife's premiums. It really depends upon state laws on and an insurer's own guidelines what you will be categorized as. If you aren't going to drive your wife's car, then normally you shouldn't affect her rates because you won't be on there as a rated driver. Just be sure not to drive her car - you won't be covered. If someday you obtain a valid driver's license, then the car insurance company would need to be notified immediately -- and you'll need to be added to the policy as a listed driver. You being added to the policy would affect premiums. That would be a great time to comparison shop for car insurance rates. Premiums can vary by hundreds of dollars, if not much more, so finding the company with the right fit for your household could help you save - a lot. (See “ 3 ways to save big on car insurance”)