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Occasional Operator Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 31, 2021

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Key Takeaways

  • Occasional operator car insurance discounts benefit primary drivers that add another driver onto their account
  • Not many providers offer an occasional operator discount, but there is plenty of other helpful discounts
  • Occasional operator car insurance discounts are different from low mileage discounts as they apply to multiple drivers on one policy

Purchasing a cheap car insurance policy that also fits your needs is a tricky process. Fortunately, nearly all car insurance companies offer numerous discounts that make paying monthly premiums easier.

If you want to insure multiple drivers on one policy, an occasional operator car insurance discount may help you save money on your premiums. However, occasional operator car insurance discounts are not as typical among car insurance companies as other discounts.

Before finding out what you need to know about occasional operator car insurance discounts, enter your ZIP code into our free online tool for instant, affordable car insurance quotes in your area.

What is an occasional operator car insurance discount?

Occasional operator car insurance discounts are applied to a specific driver that is not the vehicle’s primary driver. This discount comes in handy for students away at school and anyone else that only drives a car less than 25 percent of the total time it is used.

Occasional operator discounts are varied depending on state requirements as well as different car insurance companies’ qualifications. Car insurance by state differs in rates and requirements, so it’s always a good idea to check with the providers in your area.

The occasional driver discount is not the same as an infrequent or low mileage discount. There must be a primary driver already on the policy for a driver to qualify for an occasional operator discount. In contrast, a low mileage discount applies to drivers on an individual policy.

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Unlike other discounts for occasional drivers, an occasional operator car insurance discount is not standard for most providers. Currently, only USAA offers a discount on premiums for occasional drivers.

However, there are plenty of other discounts available to reduce your monthly premiums for adding an occasional driver to your plan.

The Insurance Information Institute explains that getting at least three quotes from different providers and different types of providers gives you a better chance of lower rates. Especially if you’re insuring a teen driver or a driver that hardly drives your car, any opportunity to reduce your premiums is one you should take.

If you think you qualify for an occasional operator car insurance discount, we highly recommend discussing your options with an insurance agent. With tons of discounts available through every company, you may not know that you qualify for one until you look at or discuss your options with an agent.

What are other ways to save money on car insurance?

Because occasional operator discounts are not available at all car insurance companies, here is a quick list of a few other ways you can save money on your premiums.

  • Bundling coverage
  • A higher deductible
  • Paying your premiums
  • Insuring multiple vehicles and drivers together

Without an occasional operator discount, occasional driver insurance costs may be more pricey. Utilizing the other resources available to you helps keep your premiums at a reasonable rate.

Ready to see if you qualify for an occasional operator car insurance discount? Enter your ZIP code into our free online tool for instant, affordable car insurance rates in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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