Adding more incentives to policy will increase costs; However, a thorough review of driving record, along with a thorough analysis of various insurance options and premiums, allows policyholders to make informed decisions with the most money in mind. good judgment and clarity. Carefully reviewing each potential driver's driving history, including factors such as previous accidents, traffic violations, and driving, will be added to the policy so people can assess each driver's risk. This allows for a more accurate assessment of the potential impact on insurance costs. Additionally, comparing available insurance options and their corresponding costs can be a way to determine the best option when offering a policy to cover driving for others. By doing this analysis, accountants can decide not only to meet their needs but also to improve the financial use of the insurance fee.