What does it mean to be the primary driver on car insurance in Texas?

My mom is listed as the primary driver on the policy that both my brother and I are on as well. If we all share the same car, what does it mean that she's the primary driver?

“The primary driver on a car insurance policy in Texas is considered the main driver of a vehicle.
Typically, this is the person who logs the most miles on the car, not the person who’s paying for the policy. Other drivers who get behind the wheel on the same vehicle are known as secondary drivers.
The importance of primary vs. secondary revolves around how much you’ll pay in premiums.
A primary driver with a clean driving record who owns a home and is married is going to have lower premiums than drivers without the same attributes.
Thus, the primary driver plays a crucial role in car insurance rates, regardless of the types of insurance you have.”
Sophie Newman
Answered on Jul 22, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.

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