Can any driver get car insurance?

Any driver can get car insurance, but the quote offers you get will vary depending on your driving record, credit history, ZIP code, and many other factors.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2020

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Here's what you need to know...

  • Credit and driving record are always considered by insurance companies to determine rates of policies
  • Discounts are available depending on certain circumstances such as good student record and multi-person policies
  • Insurance policies often cover the driver and are not specific to the vehicle
  • Do your research to make sure you get the best deal on auto insurance coverage


If you are looking for car insurance then you are probably wondering how the process works. Do you buy car insurance for yourself or for your vehicle?

All you have to do is enter in your zip code to start searching for car insurance rates online.

1. For Any Driver: Car Insurance Credit and History are Determining Factors

After shopping and comparing rates, the driver contacts a car insurance company, relays demographical information and car model details, and then finds out details about the policy. Many young motorists and first-time drivers are intimidated by the process.

Historically, car insurance companies discriminate against drivers with no history or credit.

Yes, credit is one of the most important factors insurance companies consider when determining the cost of your car insurance.

How have car companies determined that poor credit equals poor driving skills? It is not so much a bias as it is a statistical truth. Individuals with bad credit normally take more risks.

They are not prepared to meet their financial obligations and thus fall into great debt. Similarly, these individuals take more risks on the road.

Statistics suggest that individuals who take a reckless view of credit will often speed, drive too close to other vehicles, leave their car doors unlocked, and commit several other on- or off-road mistakes.

Of course, just because something is a statistical truth doesn’t mean that it is true in the case of every person.

There are many individuals who do take their credit report seriously, but who were forced into debt because of a divorce or other bad circumstances in life. The difference is that these individuals are working hard to repair their credit report and bring their score back up to normal.

The question is just how seriously do insurance companies take credit reports? The easy answer is that credit is a major factor in determining car insurance premiums but not the only factor.

The insurance company still has to consider other basics like:

  • Car models
  • Driving history
  • Occupation
  • Mileage
  • Age
  • Neighborhood

Obviously, an insurance company would not give any discounts to an individual with a new Ferrari with multiple traffic tickets just because his credit is immaculate.

The insurance company makes an effort to examine all of the evidence presented and create a “story” or “profile” of this driver. If the facts suggest he is a risk taker in life, then he will have to pay the price.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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2. For Any Driver: Car Insurance Discounts

Naturally, this leads you to the question: can I get a discount on my policy if I partner up with other drivers? Ordinarily, auto insurance policies are written for one driver. Despite if he changes cars throughout his life, the insurance company is dealing with him, not the vehicle.

If a driver feels that his policy is too expensive, one of the options available is car insurance for a household of individuals.

For example, a younger person can join a parent’s policy and get driving rights to the family car. Because he is sharing risk with a parent, who is usually a responsible and tested driver, the insurance company may offer a discount for a family.

Even for members outside the family, there are multi-driver policies available.

However, each driver has to meet the insurance company’s coverage eligibility. There is no policy that states that anyone at any time has the right to drive your vehicle. Anyone that is on your policy must reside at your home address and be included in the insurance policy by name.

3. For Any Driver: Car Insurance is Available

Contracts will specifically state who is not eligible for multi-driver policies.

Be aware of these rules before you sign the contract, as breaking the rules could result in non-coverage, just when you need it the most. Also remember that when you add drivers onto a policy, this does not necessarily mean you will receive a discount on car insurance.

Discounts are not quantity-based; it depends on the record of each driver and your combined risk.

The good news is that when you purchase a policy in your name and order liability coverage, this coverage follows you from car to car. You can drive any vehicle, sometimes even a rental car, provided the vehicle falls within the insurance company’s guidelines.

However, you should be aware that comprehensive and collision coverage are made for vehicles, not individuals. Coverage besides liability is usually not transferable.

In the end, any driver having car insurance can expect a reasonable degree of coverage. However, if you believe you are being asked to pay too much, then you can try shopping around for a better policy.

You have car insurance options available to you, so use our web comparison tool and enter a zip code to start shopping for a new policy!

References:

  1. https://www.insureuonline.org/event_newcar_take_action.pdf
  2. https://www.insureuonline.org/consumer_auto_ten_tips.htm
  3. https://www.iii.org/article/how-can-i-save-money-auto-insurance

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