The primary drievr is the person who drives the vehicle the most, or has possession of it the most. The secondary would be other people who drive the car on occasion. To be a secondary, you must be listed as a part time/secondary drievr on the policy. Depending on your secondary’s drievr license, your rates could be much higher, not change. If the person is under 25, and particularly male, your rates will increase substantially. Defensive driving classes help reduce your rates, for each person who takes a class and passes.