Which of the following factors is NOT a primary rating factor for commercial auto coverage?

The factor that does not serve as a primary rating factor for commercial auto coverage is the number of people who use the vehicle. In commercial auto insurance, the primary rating factors focus on aspects that directly impact the risk associated with the vehicle's use and operation, rather than the number of drivers.

Territory where the vehicle is garaged, radius of operation, and the current value and original cost of the vehicle are all critical components in determining premiums for commercial auto policies. The territory, for instance, assesses the location where the vehicle is primarily kept, which can affect theft rates, accident frequency, and repair costs. The radius of operation pertains to how far the vehicle is typically driven, influencing exposure to various risks. The value and cost of the vehicle inform its potential loss impact for the insurer.

In contrast, the number of drivers using the vehicle is less direct in assessing the vehicle's risk profile because it doesn't account for how those drivers operate the vehicle or their driving history. Depending on company policies and risk management practices, many commercial policies may have a more generalized approach to assigning risk based on driver history rather than strictly counting the number of users.