A primary driver refers to the person listed first on an insurance policy. This individual is typically considered the primary user of the vehicle and is responsible for paying the premiums and ensuring that the vehicle is properly insured.
In many cases, the primary driver is the owner of the vehicle. However, this is not always the case. For example, a parent might list themselves as the primary driver on a policy for their child’s car, even if the child is the main user.
The primary driver’s driving record and insurance history can significantly impact the premium for the policy. If the primary driver has a poor driving record or a history of claims, the premiums may be higher.
At PSIC, we understand that the primary driver plays a crucial role in determining your Motorcycle and Off-road insurance coverage. The primary driver is the policyholder, and their information is listed prominently on the declaration page and application form.
We carefully consider the primary driver’s claims history and insurance history when setting premiums and determining coverage. A clean driving record and a history of safe driving can lead to lower premiums and more favorable coverage options.
It’s important to note that all individuals living with the primary driver should be listed on the declaration page and application form as permissive or excluded drivers. Permissive drivers are individuals who have the primary driver’s permission to use the motorcycle or off-road vehicle. Their claims history and insurance history will also be considered, although they may have less impact on premiums and coverage than the primary driver.
By providing accurate information about all drivers associated with the policy, you’re helping us assess the risk and determine the most appropriate coverage for your needs.
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Copyright © McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
Privacy Notice at Collection for CA employees
Last updated: June 27, 2023
We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.
Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.
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When it is no longer necessary to retain your personal information, we will delete or anonymize it.