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Started By
Message
Auto insurance question for teen
Posted on 2/16/23 at 8:30 am
Posted on 2/16/23 at 8:30 am
I have a teenager that just got a license. We already own three cars and have been paying insurance on them already through State Farm. She will not be driving one of them primarily, but will be using them periodically.
Can I add her as a guest driver on my policy, or are they going to make me get a policy for her individually?
Can I add her as a guest driver on my policy, or are they going to make me get a policy for her individually?
12
Posted on 2/16/23 at 9:25 am to saints5021
The honest answer is I don't know what they will do.
But most likely, your teen will be listed as an operator on all vehicles.
The cars are owned by you, so there shouldn't be any new policies unless you plan on transferring title.
That's my best guess.
But most likely, your teen will be listed as an operator on all vehicles.
The cars are owned by you, so there shouldn't be any new policies unless you plan on transferring title.
That's my best guess.
Posted on 2/16/23 at 10:47 am to saints5021
I really don't think they tie drivers to particular cars. None of my policies ever showed anything like that.
Posted on 2/16/23 at 10:55 am to saints5021
I have a policy with State Farm on both my wife and my cars. When my daughter got her license, they didn't make me pay anything extra. She was not the primary driver on either car.
Posted on 2/16/23 at 11:01 am to saints5021
how does insurance know hw often they drive? 3 drivers/3 vehicles in the household is what they will see....
and be prepared to pay about $300 more per month if in louisiana....
and be prepared to pay about $300 more per month if in louisiana....
Posted on 2/16/23 at 12:03 pm to saints5021
We use progressive and they also do not tie a driver to a car. It just shows all 4 cars and all 4 drivers.
Posted on 2/16/23 at 2:06 pm to saints5021
No. If you have three people and three cars, everyone gets assigned a car (I mean we assigned ourselves basically when we listed primary drivers). If we’d had two drivers and three cars one of us would be listed as primary twice. Put her on the oldest vehicle and it’ll be the least expensive. But still expensive.
At least that is how Farm Bureau Louisiana does it.
At least that is how Farm Bureau Louisiana does it.
This post was edited on 2/16/23 at 2:08 pm
Posted on 2/16/23 at 2:55 pm to ColdDuck
quote:Because they know parents often lie about what vehicle their teenager drives so they can rate them on whichever is the cheapest to insure. Claiming mom is the primary operator on the Mustang while the 17 year old son drives a mini-van. They wised up to that trick and just rate all drivers on all vehciles
We use progressive and they also do not tie a driver to a car. It just shows all 4 cars and all 4 drivers.
Posted on 2/16/23 at 3:52 pm to saints5021
I believe if they live in your household, you have to add them as a driver on your policy. Could vary by state and company.
However, I will give this advice that has benefited me significantly: When they hit 18, put a car in their name and get them their own low-end policy from Geico, or some other cheap on-line company. You can continue to pay it, but it won't be in your name.
Take them off of your policy. It will make your overall policy be cheaper by a significant margin. At that point, they would be a guest driver, as they are adults and "own" their own vehicle.
However, I will give this advice that has benefited me significantly: When they hit 18, put a car in their name and get them their own low-end policy from Geico, or some other cheap on-line company. You can continue to pay it, but it won't be in your name.
Take them off of your policy. It will make your overall policy be cheaper by a significant margin. At that point, they would be a guest driver, as they are adults and "own" their own vehicle.
Posted on 2/16/23 at 4:12 pm to Bjorn Cyborg
What is your definition of "guest driver"?
Posted on 2/16/23 at 4:40 pm to tiger91
quote:it may not work like that, it may be cheaper to out her on a newer car if it has better safety rating and more safety features.
Put her on the oldest vehicle and it’ll be the least expensive. But still expensive.
Posted on 2/16/23 at 6:40 pm to meansonny
“Guest” is probably not the right term.
I’m referring to anyone not on your policy that you allow to use your vehicle.
I’m referring to anyone not on your policy that you allow to use your vehicle.
Posted on 2/16/23 at 7:59 pm to Bjorn Cyborg
You may need to be careful. If they live with you and drive your vehicle without being listed as a driver, you may have your policy canceled if they have an accident.
Insurance companies arent too keen on children wrecking their parents cars without being listed as a driver.
Insurance is so expensive, you can imagine that a lot of kids are left off parent's policies but still operate vehicles. A few insurance companies even go so far as to deny the claims. The others typically cancel the policy at renewal.
Insurance companies arent too keen on children wrecking their parents cars without being listed as a driver.
Insurance is so expensive, you can imagine that a lot of kids are left off parent's policies but still operate vehicles. A few insurance companies even go so far as to deny the claims. The others typically cancel the policy at renewal.
Posted on 2/17/23 at 8:56 am to saints5021
It may not appear on the Dec page but she will be assigned to a vehicle for rating purposes. I used to help my clients by putting the teenager on the least expensive vehicle. The least expensive way to go would have a vehicle that doesn't need comp/coll but it sounds like that's not an option.They used to rate boys higher than girls but not sure if that's still the case.
Posted on 2/17/23 at 9:18 am to Dry Prong Wildcat
quote:
I used to help my clients by putting the teenager on the least expensive vehicle.
It's my understanding that's not allowed any more. What year was this?
Posted on 2/17/23 at 9:31 am to saints5021
Put car in parents name as long as different address
Posted on 2/17/23 at 9:40 am to Billy Blanks
About 8yrs ago....the company of course wanted the Teen on the vehicle driven most but underwriting never discouraged it.
Posted on 2/17/23 at 2:56 pm to saints5021
We are in the process of doing this. We only had one personal car, as I have a company car. Until she gets her license in April, her car will be on our policy with us as the drivers. When she gets her license, she is added to the policy, not specifically assigned to one car. Policy will go up $250/mo when we add her.
Posted on 2/20/23 at 2:52 pm to Tiger Prawn
quote:
Because they know parents often lie about what vehicle their teenager drives so they can rate them on whichever is the cheapest to insure. Claiming mom is the primary operator on the Mustang while the 17 year old son drives a mini-van. They wised up to that trick and just rate all drivers on all vehciles
That’s actually not true at all. If you add her she will be assigned to the vehicle you tell them she drives. That prem will increase. On the increase, it all depends on YOUR current rating and insurance score.
If she has good grades and no tickets/accidents that’s at least one plus.
The thing about State Farm and is that you may not need to add her on until they ask. If something were to happen and she wasn’t on there State Farm would still cover her under permissive use and add her on after the fact.
Posted on 2/20/23 at 2:56 pm to saints5021
You will have to assign her to a car as a primary driver. Pick the cheapest car you got.
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