Occasional Drivers and Auto Insurance

As we all know, car insurance can be expensive. Everyone wants to do the best he or she can to limit insurance costs and find discounts whenever possible. If you are insured as a driver on a vehicle but are not the principal driver, you may qualify for status as an occasional driver. Many insurance companies offer a discount for occasional drivers, which may save you up to 15 percent on your coverage.

To learn more about occasional driver discounts and other money saving insurance tips, contact the Chicago auto insurance agents of Insure on the Spot today at 1-888-972-SAVE.

Who Qualifies as an Occasional Driver?

Each insurance company has a different definition of “occasional driver”. Typically, the general rule is that an occasional driver must not drive the car more than about once per week. If a person knows that he or she will use the car regularly in advance, that individual may not qualify as an occasional driver.

Other measures that some insurance companies use are age and percentage of total driving time. An individual under age 21, or for some companies age 25, may be added as an occasional driver. Typically a person must not use the car more than 25 percent of the time to be considered for the discount.

Downgrading a teenage or young adult driver to occasional driver status could save you a substantial sum on your total insurance costs each month. If you believe that someone on your insurance may qualify as an occasional driver, it is worth the small investment of time to call and see if you are eligible for the discount.

Contact Insure on the Spot Today!

There are many other ways to save a percentage of your current car insurance payment each month. If you are considering changing insurance companies or would like to learn more about how to lower your auto coverage costs, contact the friendly Chicago car insurance experts of Insure on the Spot today at 1-888-972-SAVE.