Most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, they are typically covered under your policy. Therefore, you also become responsible for the actions of your vehicle, whether driven by you or someone else. Make sure you think about who you are letting borrow your vehicle, because it may have complications. Your premium is based on both your vehicle and the “primary” driver of that car, you. However, your claims experience is also a big factor, so if your good friend gets in a fender bender with your car, you will pay for it going forward.