Skip Navigation LinksNorCal Cars > Articles > Buying Vehicle Insurance > Mileage and Named Drivers

Auto Insurance Mileage and Named Drivers

Car insurance is necessary for anyone who wishes to drive on Northern California’s roads. If you don’t have a valid insurance policy you can get hit with massive fines as well as possibly having your car confiscated (and in some countries even crushed). The ABI has reported that there has been an increase in the number of people who have been caught with inaccurate information on their insurance application in an effort to save money on their policy. There are many ways of saving pennies without having to resort to fraud, and here are just a couple of ideas.

Mileage

Car insurance is calculated on the level of risk compared against the value of your car. The risk determines the likelihood of you making a claim, the value of the car the amount that the insurance company will have to pay out. One of the simplest ways that you can reduce your car insurance is by reducing the miles that you drive. Whilst this might seem like a simple thing to say, with the price of petrol going up all the time, if you can use public transport to get to work you might be surprised at how much this cuts of your mileage, and how much money you could save on your policy.

The Named Driver

Another thing that you might want to think about is having other named drivers on the policy. If you have a child who drives they may well be on your policy, and this will cause your premiums to go up. If you have a child who is at university, try and get a policy where you can insure them for a limited time only, rather than throughout the year when their presence on the policy will cost you extra.

On another note, if you share the driving equally with your partner, it might prove cheaper to have your partner as the named driver (providing your partner is female). Statistically speaking women are less likely to make insurance claims and so they can be cheaper to insure. You can only do this if you share the driving equally, or if your partner actually uses the car more.

Another thing that you can do is shop around a little more when you get your policy in the first place. Comparison websites can prove to be a useful tool as they do the legwork for you, but you should always ring companies yourself and do a bit of haggling. If you put a few hours into the process you can get a really good insurance deal; consider Kwik Fit Insurance as an efficient place to begin a car insurance search; they offer online questionnaires to help you put together more personal car insurance quotes.