Auto Insurance Fronting
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Company Trusted For Over 25+ Years*
Let’s face it—car insurance is expensive and seems to rise every year. For many families on tight budgets, coverage might feel out of reach. In response, some people resort to questionable methods to lower their premiums. One such tactic is known as auto insurance fronting.
Fronting is an attempt to reduce premiums by misrepresenting who the primary driver of a vehicle is. Although it’s been around for as long as car insurance itself, it’s risky and often illegal.
That rejection could mean the listed policyholder is left to cover thousands in damages. To avoid this risk, compare real quotes today at our roadside assistance page.
Many drivers are unaware that fronting is a form of insurance fraud. If you’re caught, you could lose your coverage, pay out-of-pocket for damages, and even face legal consequences. Every year, millions are injured in car accidents. If your insurance is invalid, you could be liable for all related costs. It’s just not worth the risk.
Parents often face high premiums when adding a teen driver. It’s tempting to list the teen as an occasional or secondary driver to lower costs. However, if the teen is actually the main driver, this qualifies as fronting.
Young drivers typically face premiums that are double what older drivers pay. Some families, unable to afford this, gamble by fronting. However, insurers are catching on. Many now automatically assign the highest-risk driver in the household as the primary driver of at least one vehicle to prevent fraud.
According to recent studies, nearly two-thirds of parents admit they would consider fronting for their teenager to save money. But this drives up rates for everyone.
It’s when someone lists a different person—usually with a better driving record—as the main driver of a vehicle to lower insurance premiums. This is considered fraud by most insurers.
Yes. It is classified as insurance fraud and can lead to denied claims, canceled policies, fines, and even legal action.
Look into discounts for defensive driving, good grades, and compare quotes from multiple providers using our auto insurance comparison tool.