Optimizing Car Insurance: Does Switching the Primary Driver After an At-Fault Accident Reduce Premiums?
Navigating auto insurance policies can be complex, especially after a claim incident such as an at-fault accident. Recently, I encountered this situation firsthand and wanted to explore if adjusting the primary driver designation could lead to cost savings.
My wife was involved in an at-fault collision that resulted in the total loss of our 2024 Tesla Model Y. Up until now, she has been listed as the primary insured driver, with myself as an additional driver. However, I am the main user of the vehicle, driving approximately 80% of the time, whereas my wife uses it less frequently—around 20%.
Currently, our insurance provider quotes us around $410 per month through Tesla Insurance, which seems quite steep. Given this, I am contemplating whether changing the primary driver from my wife to myself might help lower our premium.
Would such a change have a tangible impact on the quote? Or do the details of her recent at-fault accident continue to influence the premium significantly, regardless of her role as the primary or an additional driver?
For those who have experienced similar adjustments or have insights into how insurance companies weigh at-fault claims against driver designations, I would appreciate your input. Has repositioning the primary driver led to noticeable savings in your experience?
Thank you for your time and advice—looking forward to hearing your thoughts.
