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.
