- Parents alone: $1,638 annually
- Adding son, 16, as secondary driver on both cars: $3,846
- Adding third car, a 2007 Ford Fusion with full coverage and son as primary: $4,808
- Raise deductibles on all three cars to $1,000: $4,534
- Change third car to liability only: $4,500
So why does an insurer assign primary drivers?Insurance companies like to assign each car to one primary driver. That person, the primary driver, is the one whose driving record and risk profile are used to calculate its rates. Insurance companies also note secondary drivers who use the insured vehicle. There can be multiple secondary drivers, but only one primary driver per vehicle. Before you bought your third vehicle, your insurance company assigned you to the vehicle you normally drive and your husband to his. You and your son were then secondary drivers of your husband's car and your husband and son rated as secondary drivers of your vehicle.
When you added a third car to a household of three drivers, your insurance company automatically assigned the third driver, your son, to the new vehicle.A teenager as primary driver will mean more expensive rates for that car. Teenagers pose a lot more risk, and as primary he is assumed to drive more than he would as a secondary driver.