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guttata
LSU Fan
prairieville
Member since Feb 2006
20950 posts

Car Insurance question
I've been with USAA for 20 yrs, and wife and I pay $2800/yr for comprehensive, on 3 vehicles. (09 Tahoe, 13 civic, and 15 sierra). Son fixing to turn 16. I just got a quote from them, for when the time comes to switch him over from a permit to liscense and for the same coverage, my insurance will jump to $5600/yr. that's including the whole good grade, drivers ed, all the discounts possible. Any recommendation on who I should look at switching to. I knew it was going to be expensive, but wasn't expecting it to double. Seems like the boy may stay on a permit for a little longer than we were planning. Also, we have had only 1 claim on our insurance in 20 years (car got broken into) and no tickets.
This post was edited on 8/31 at 8:47 am


Wtodd
Missouri Fan
Tampa, FL
Member since Oct 2013
25172 posts

re: Car Insurance question
quote:

Any recommendation on who I should look at switching to

Don't switch; putting anyone under 25 on your policy will make it double (or damn close to it).



gamatt53
Georgia Fan
Member since Nov 2010
3189 posts

re: Car Insurance question
Your son can use that new license to drive himself to a new job and pay for his new insurance


AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
53707 posts

re: Car Insurance question
quote:

pay for his new insurance

Just remember, parents are liable for torts of their minors, so the limits need to be high, or at least what the rest of the family has.


Murtown
LSU Fan
Centreville/Baton Rouge
Member since Sep 2014
1088 posts

re: Car Insurance question
Pretty sure USAA has the best rates around. Young kids especially boys, it is going to go way up. It is a little cheaper if you get him a car instead of a truck too I think


guttata
LSU Fan
prairieville
Member since Feb 2006
20950 posts

re: Car Insurance question
I had her check it with him being primary driver on 09 Tahoe or the 13 civic. It came out cheapest to just add him to the policy and not designate a vehicle to him. If I designate him to the civic (the vehicle he will be driving) it actually $97 more every 6 months, than if I just don't designate him to any vehicle


CoachDon
Kentucky Fan
Louisville
Member since Sep 2014
6066 posts

re: Car Insurance question
I feel for you. Just went through it myself. It's a racket.


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20
Murtown
LSU Fan
Centreville/Baton Rouge
Member since Sep 2014
1088 posts

re: Car Insurance question
Ahh yea, didn't think about that.


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mctiger1985
LSU Fan
Baton Rouge
Member since Oct 2009
2783 posts

re: Car Insurance question
quote:

Don't switch; putting anyone under 25 on your policy will make it double (or damn close to it).


It's free to get quotes from other places.


OysterPoBoy
LSU Fan
BR
Member since Jul 2013
7480 posts

re: Car Insurance question
Hard to blame them. There's a ridiculously high chance that he'll be involved in an accident the first year.


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40
Broke
LSU Fan
AKA Buttercup
Member since Sep 2006
62450 posts

re: Car Insurance question
I pay $600 per month for USAA car insurance with a 21 year old and a 17 year old. It's expensive as frick to add kids. Because they run into a lot of shite.


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30
dcrews
UNO Fan
Baton Rouge
Member since Feb 2011
18962 posts

re: Car Insurance question
Your son can't get a job where he can afford to pay $233 a month?


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14
Chad504boy
USA Fan
Member since Feb 2005
116725 posts

re: Car Insurance question
quote:

I've been with USAA for 20 yrs


did you think that mattered when it came down to ratings for you?


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03
bma28
LSU Fan
Donaldsonville
Member since Jan 2015
98 posts

re: Car Insurance question
I pay $6600/yr with Progressive for 3 vehicles for myself, wife, and 16yo daughter. I do have 250/500K liability which drives my rates up along with the fact that my wife rear ended someone a couple of years ago and we got sued. It is our only at fault claim in our 17 years together. Me and the wife with just 2 cars used to be $2000/yr with GEICO before her accident.


Chad504boy
USA Fan
Member since Feb 2005
116725 posts

re: Car Insurance question
quote:

250/500K liability which drives my rates up


not nearly as much as what

quote:

the fact that my wife rear ended


is driving rates up.


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21
tigerfoot
Pittsburgh Fan
Alexandria
Member since Sep 2006
29496 posts

re: Car Insurance question
quote:

quote:
pay for his new insurance
Just remember, parents are liable for torts of their minors, so the limits need to be high, or at least what the rest of the family has.
till how old? I was given advice to lower daughters limits by agent?


Chad504boy
USA Fan
Member since Feb 2005
116725 posts

re: Car Insurance question
quote:

I was given advice to lower daughters limits by agent?



your agent is retarded.


Will Cover
Tennessee Fan
Knoxville, TN
Member since Mar 2007
32460 posts

re: Car Insurance question
quote:

I've been with USAA for 20 yrs, and wife and I pay $2800/yr for comprehensive, on 3 vehicles. (09 Tahoe, 13 civic, and 15 sierra). Son fixing to turn 16. I just got a quote from them, for when the time comes to switch him over from a permit to liscense and for the same coverage, my insurance will jump to $5600/yr. that's including the whole good grade, drivers ed, all the discounts possible.


What are your current limits and deductibles?



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Will Cover
Tennessee Fan
Knoxville, TN
Member since Mar 2007
32460 posts

re: Car Insurance question
quote:

I've been with USAA for 20 yrs,


I am a USAA customer as well. I pay $1,154.00 per year for two vehicles.

100/300/100 with $1K deductibles and UMI. I also have a checking, savings, IRA, money market accounts, homeowners' and personal property insurance and one credit card with them.

The more "hook" they have in you, the better the discounts become.


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tigersownall
Nicholls St. Fan
Thibodaux
Member since Sep 2011
9924 posts

re: Car Insurance question
Go get insurance just for him with progressive. Make him pay for it.


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