21 Tips for Cheaper Car Insurance – 15

15. Add an experienced driver to your policy.

Adding an experienced who is 25 or older may well reduce your premium. This is another one of those counterintuitive measures which are not immediately obvious. If 2 or more individuals are named drivers on a car you could view it as twice the risk that there will be an accident. But that is too simplistic a view.

Insurance Underwriters have reams of statistical data going back decades which seem to suggest that multiple drivers within A HOUSEHOLD often (but not always) appear to be less of a risk than a single policyholder. As usual, their premiums often reflect this reality.

Be aware… many insurers will insist that any named drivers be either related to the policyholder and/or live at the same address. Make sure you check with your insurer what is permissible before you add anyone to your policy.

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