With auto insurance, a standard in the industry concerns the concept of permissive use. With most private passenger auto policies, the insurance follows the vehicle, not the driver. This doesn’t mean that your driving experience, driving record and other factors won’t play a part in determining how much you’re paying. Clearly, you and other members of your household will be rated based on those, and other, factors. Permissive use means whoever drives your car, with your permission, will be covered to the policy limits and subject to the same deductible amounts. In other words, if you own an insurance policy on your car, and you give permission for someone to drive your car, whether they live in your household or not, generally, that person will be covered under the language, coverage limits and deductible amounts of your policy.