Looking for advice on multi-car insurance options for my family of three. We’re considering having three vehicles but would like to have only two of us listed as primary drivers. My son just obtained his license, and adding him as a primary driver on his own car is proving to be really costly. If any reputable insurance companies allow one family member to be a secondary driver while the rest are primary, I’d greatly appreciate your recommendations. Thanks in advance for your help!
Multi car insurance, three family members, only 2 as primary?
It’s definitely understandable to look for ways to save on insurance costs, especially when adding a new driver to your policy. Many insurance companies do allow you to have multiple vehicles with only certain individuals listed as primary drivers.
Here are a few options to consider:
State Farm: They typically allow you to list primary drivers for each vehicle. You could list your son as a secondary driver on his vehicle.
Geico: Known for competitive rates, Geico often allows you to designate one or more drivers as primary while listing others as secondary.
Progressive: They also allow flexibility in driver assignment, where your son can be a secondary driver if you prefer.
Allstate: They provide options for multi-car policies and can accommodate your request to keep your son as a secondary driver.
Farmers Insurance: Similarly, this company allows for flexible driver configurations on multi-vehicle policies.
When contacting these insurance companies, be upfront about your situation and ask specifically if they allow you to list your son as a secondary driver. Be sure to compare quotes and coverage options to find the best fit for your family. Additionally, some companies might offer discounts for good students or for completing a driver safety course, which could help lower the cost even further. Good luck!