10 Things Your Insurance Company Knows About You

5. Any other drivers in your household

On your insurance application, you’re asked if there are any other licensed drivers in the household who will have access to the car you’re looking to insure. Why?

“Your premiums are based on your driving record,” says Thomas. “But when another driver with a worse driving record will be a frequent operator of your vehicle, that will affect your premiums.” So if you block your roommate on the driveway, and they have to move your car every morning to get their car out, then that’s considered a frequent use of the vehicle. If anything happens to the car while he’s doing that, you may be denied coverage.