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Started By
Message
1
Posted on 8/31/16 at 9:36 am to guttata
I had to drop a car to make it reasonable for my kid. Insurance was going to be nearly $6,000/year for him alone. My insurance for my car and my wife's car totaled around $4,000/year already. I rarely leave the house on weekdays except for doctor's appointments. Made no sense to have 3 cars. Ditched my wife's SUV and my Vette, bought a nice family car, and bought my kid's Mustang. His insurance dropped from $6K to $1,500 with 3 drivers on 2 cars. Total insurance is now $5,500/yr. instead of over $10,000.
This post was edited on 8/31/16 at 9:37 am
Posted on 8/31/16 at 9:38 am to guttata
Just go get a couple of quotes from other companies and compare them.
Posted on 8/31/16 at 9:46 am to guttata
yea its expensive, and it doesn't change for a while. I'm 24, no tickets, no wrecks, and my insurance is about 260 a month. Can't wait to turn 25 next year
Posted on 8/31/16 at 9:48 am to tigerfoot
quote:After they turn 18, you're good.
till how old? I was given advice to lower daughters limits by agent?
Posted on 8/31/16 at 9:52 am to mctiger1985
quote:
It's free to get quotes from other places
Yes it is but what the OP discovered from USAA is the exact same thing I discovered from State Farm
Posted on 8/31/16 at 9:55 am to AlxTgr
quote:
After they turn 18, you're good.
I hope so. Once my kid heads off to LSU I'll need a 3rd car again.
Posted on 8/31/16 at 9:56 am to yellowfin
quote:
That's fricking insane
Tell me about it!
Posted on 8/31/16 at 9:58 am to Chad504boy
Chad, why do you have opinions on things you know nothing about?
Posted on 8/31/16 at 9:59 am to 911Moto
quote:Just saying vicarious liability is over. I am guessing rates are still very high.
I hope so. Once my kid heads off to LSU I'll need a 3rd car again.
Posted on 8/31/16 at 9:59 am to tigersownall
quote:
Go get insurance just for him with progressive.
won't be cheaper and you'll have minimum limits and you'll still be liable for his liability with such shitty limits.
Posted on 8/31/16 at 10:00 am to tigerfoot
quote:
Chad, why do you have opinions on things you know nothing about?
pretty funny.
Posted on 8/31/16 at 10:03 am to Chad504boy
quote:
Go get insurance just for him with progressive.
won't be cheaper and you'll have minimum limits and you'll still be liable for his liability with such shitty limits.
Agree, I tried to put my daughter on her own policy and was getting back quotes in the 4-5K range for her alone and that was with lower limits. Couple of guys in the business told me that Insurance for new drivers (kids) has gone through the roof.
Posted on 8/31/16 at 10:04 am to Wtodd
Get a broker...let them do the research for you and get your options. Way better than calling them all yourself and they can get better rates anyway.
I used to have USAA, got with broker & switched to progressive cut my bill in half for better liability coverage.
I used to have USAA, got with broker & switched to progressive cut my bill in half for better liability coverage.
Posted on 8/31/16 at 10:06 am to Chad504boy
So basically, I guess I shouldn't feel that bad. About $2800/yr is the cost of doing business for a 16 yo boy to drive. from what I'm hearing, it could be worse
Posted on 8/31/16 at 10:06 am to Chad504boy
Teenagers really are shitty drivers.
I can't begin to count how many cars my nephews and nieces has been through. The high premiums suck, but its for good reason.
I can't begin to count how many cars my nephews and nieces has been through. The high premiums suck, but its for good reason.
Posted on 8/31/16 at 10:07 am to guttata
quote:
So basically, I guess I shouldn't feel that bad. About $2800/yr is the cost of doing business for a 16 yo boy to drive. from what I'm hearing, it could be worse
yes. or you can "not add him" and see how long that gets you.
Posted on 8/31/16 at 10:09 am to guttata
quote:
So basically, I guess I shouldn't feel that bad. About $2800/yr is the cost of doing business for a 16 yo boy to drive. from what I'm hearing, it could be worse
I'd love to have your rates!!!
At this point when my renewals come up every 6 months I'm just hoping they don't increase too much. I cant even fathom seeing a drop in premiums anymore. And my next driver comes online next July. My insurance may be a small house note after that.
Posted on 8/31/16 at 10:15 am to tigerfoot
quote:You must be new here.
Chad, why do you have opinions on things you know nothing about?
Posted on 8/31/16 at 10:22 am to bma28
I never asked my dad what it cost but at one time he had 5 vehicles and 5 drivers. 3 of them boys under 25. That couldn't have been cheap
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