What does it mean when an insurance company when they ‘not rate’ a household driver?

When an insurance company "not rates" a household driver, it means that they are not considering that driver's record or risk profile when determining the premium for the insurance policy. This can have both positive and negative implications for the policyholder. On the positive side, if the driver who is not being rated has a poor driving record or high risk profile, not rating them may result in a lower premium for the policy. For example, if the driver has multiple accidents or traffic violations on their record, their inclusion in the rating process may result in a higher premium. On the negative side, if the driver who is not being rated is actually a high-risk driver, the insurance company may not be factoring in that risk when determining the premium. This could result in the policyholder paying a lower premium than they should, which could put them at financial risk if the driver were to cause an accident or incur other costly claims. It's important to note that insurance companies may have different policies and practices when it comes to rating drivers, and the specifics of how they determine premiums may vary. If you have questions about how a particular insurance company is rating drivers or determining your premium, it's a good idea to speak with your insurance agent or representative.