Rated Driver

A rated driver refers to an individual who is specifically listed or identified on a policy as a primary or secondary driver of a vehicle. Companies use the concept to assess the risk associated with insuring a particular car and to determine the premiums that will be charged for coverage.

When a policy is issued, the company typically asks for information about the individuals who will be driving the insured vehicle. The primary driver, or the person who will be driving the vehicle most frequently, is usually listed. Additional drivers who will also operate the car may be mentioned as secondary-rated drivers.

The insurer considers various factors when determining the premiums for a policy with rated drivers. These factors can include the age, driving history, and experience. Younger and less experienced drivers, for example, are often considered higher risk and may result in elevated premiums.

It’s important for policyholders to accurately disclose information about the rated drivers on their policy. If they want to add or remove a rated driver from their policy, they should contact their insurance provider to make the necessary updates. This may result in a premium adjustment, as the risk associated with the insured vehicle may change.