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What is household rating and how does it effect my car insurance premiums?

Household rating can seem annoying. Why should your auto insurance premiums be affected by the driving history of a roommate or girlfriend/boyfriend living with you that has their own car insurance?

Household rating is really only done by premium auto insurance carriers which means that if the other person has a good record or at least a decent record you are going to get a very competitive premium on your insurance.

So basically even though household rating can seem like a nuisance the end result can mean lower premiums, but then the opposite is true as well. If your roommate has a bad record your premiums could be higher.

Watch this video “What is household rating and how does it effect my car insurance premiums?” for more details:

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This is video #30 of a one hundred insurance video series that The Murray Group is producing to provide insurance consumers with quick, valuable answers to their everyday insurance questions.

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Disclaimer: This article is for informational purposely only. There is no legal advice being suggested or proffered and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.

created by Ryan Hanley