I'm listed as the primary driver instead of my wife, but I've never driven or had license in 71 years. Should I be charged as a driver on the policy?

Whenever my wife receives the auto insurance bill, I'm always listed as the primary driver, with her as the secondary. She's the primary (and only) driver in the family. Should I be charged as a driver when I've never driven in my whole life? Maybe my dog can be placed on the insurance so they can charge him also? Something is very wrong. Have we been losing money all these years?

Jun 26, 2019 Portland, OR

Ross Martin

Jun 26, 2019

Hello, Your wife should most definitely be listed as the primary insured on the policy since she is the primary driver. Since you do not drive, you can be excluded. This means you would not be covered to drive the vehicle at all. As far as costing you more money, typically the rates are not impacted when it comes to married couples and who is listed first or second. Contact your insurance company and ask them to make the change to see how the rates will actually be impacted. Hope this helps. If you have any further questions, don't hesitate to ask!

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