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The following information is not so much for the people who are beyond help, but are those of you who still have hope left.
1. Each insurance application has over 100,000 pieces of data. Each person will have a different set of data and metadata
2. There are thousands of different types of line coverage available for car insurance.
3. Each company has their own unique algorithm for predicting risk and calculating premium.
Given the above information, how can anyone make any reasonable comparison of insurance premium from person to person? There are too many variables. Stop asking.
All drivers who drive the car should be listed. Each insurer has a different policy for treating unlisted drivers. Be very careful you know what your insurer's policy is.
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