Driving is a big responsibility. When you are out on the road, you are operating a big, heavy machine that can be incredibly dangerous in the wrong hands. If you make one wrong move, you could end up harming yourself or another driver. Not to mention that you could cause bodily injury to your new car or other property damage. No wonder every driver needs to have an insurance policy before you can get behind the wheel.
Car insurance is a requirement, and it can be a pricey one at that. Your premium is determined by several factors like age, gender, driving record, and location. You get to decide if you opt for the minimum coverage or choose comprehensive insurance, affecting your price. Check different car insurance quotes to find the best motorist coverage for you at the best price. As you’re exploring different auto insurance quotes, you may be tempted to do everything you can to get a discount. While some of these discounts are completely legitimate, be wary of any options that may cost you more. Car fronting is one of those big mistakes to avoid making. Read on to learn about what car fronting is and how car insurance companies will make you pay if you try to get away with it.
When you go to purchase car insurance, you have to consider many factors. You pick your coverage options and state which driver will be primarily driving that particular car. Car insurance fronting occurs when you list a good driver with a better record as the primary driver of a vehicle even though another driver with a worse driving history will be the motorist most of the time. This may bring down your monthly rates, but it can be a dangerous game to play. Having an uninsured driver behind the wheel for most travel can be risky, especially if that driver is more reckless or has a worse record. So while this can save you money, it is a risky, possibly unethical method of getting there.
Car insurance fronting may end up costing you a lot more. If the uninsured motorist gets into an accident and is deemed the at-fault driver, your auto insurance coverage may not actually cover that individual. You will get no assistance to cover medical bills, property damage, or other total losses. This takes away the peace of mind you have from getting auto insurance in the first place. Don’t end up owing more to a mechanic after a fault crash; instead, pay upfront and save money down the line.
Of course, the primary driver of a vehicle isn’t the one driving 100% of the time. There are small exceptions. Say you have a student who only uses the car on the weekends, or your spouse may use your vehicle to run a few quick errands every once in a while. In these cases, it may be beneficial to list these individuals as occasional drivers. That way, they are covered if they ever need to be, but you still reap the benefits of a good driver being listed as the primary motorist to get a lower premium.
If saving on insurance is your goal, there are other ways to do so in a more above-board way. Research different insurance companies and get free car insurance quotes that you can compare. Ask around for discounts based on good student records or your credit history. You never know what you may be able to get when you stay honest and ask.