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Started By
Message
Auto insurance for teenager
Posted on 11/20/24 at 8:12 pm
Posted on 11/20/24 at 8:12 pm
I currently have my own policy for a vehicle that is registered out of state. I am the only person who drives my vehicle, although my daughter has been driving with her learner's permit while I am with her.
My daughter is turning 16 soon. If/when she gets a vehicle, what is the best way to get insurance for her? The vehicle will be in my name and registered in Louisiana. If this is relevant, my ex-wife and I split custody 50/50.
Should she be listed as the primary driver of the vehicle that she eventually receives, or as a secondary driver -- and I am listed as the primary?
I'm sure it is going to be expensive no matter how you slice it, however, if there is an opportunity to save money some way, I am open to exploring any and all options.
Insurance will be through USAA. Does USAA and/or all insurance companies insure the driver --- and this follows them to whichever vehicle they are driving?
Advice from those of you who have already been down this road is appreciated. And what is the cost that you pay every 6 months for your teenager?
My current policy limits for the vehicle I own and drive are 300/500/300 with UMI. I imagine with her being a teenager, inexperienced, and likely to make a mistake, that I should go with the same policy limits. Correct?
And lastly, does it make sense to just go with USAA or shop it with another company? Every time I have shopped my policy with USAA against anyone else, I couldn't find anything less expensive or nearly as good considering the policy limits I have and pricing.
My daughter is turning 16 soon. If/when she gets a vehicle, what is the best way to get insurance for her? The vehicle will be in my name and registered in Louisiana. If this is relevant, my ex-wife and I split custody 50/50.
Should she be listed as the primary driver of the vehicle that she eventually receives, or as a secondary driver -- and I am listed as the primary?
I'm sure it is going to be expensive no matter how you slice it, however, if there is an opportunity to save money some way, I am open to exploring any and all options.
Insurance will be through USAA. Does USAA and/or all insurance companies insure the driver --- and this follows them to whichever vehicle they are driving?
Advice from those of you who have already been down this road is appreciated. And what is the cost that you pay every 6 months for your teenager?
My current policy limits for the vehicle I own and drive are 300/500/300 with UMI. I imagine with her being a teenager, inexperienced, and likely to make a mistake, that I should go with the same policy limits. Correct?
And lastly, does it make sense to just go with USAA or shop it with another company? Every time I have shopped my policy with USAA against anyone else, I couldn't find anything less expensive or nearly as good considering the policy limits I have and pricing.
This post was edited on 11/20/24 at 8:18 pm
24
Posted on 11/20/24 at 8:15 pm to Will Cover
It’s going to cost you 2-3k a year for insurance whatever you do.
Edit: additional just to add her.
Edit: additional just to add her.
This post was edited on 11/20/24 at 8:18 pm
Posted on 11/20/24 at 8:16 pm to Aguga
quote:
It’s going to cost you 2-3k a year for insurance whatever you do.
Yes, I am expecting that.
Posted on 11/20/24 at 8:20 pm to Will Cover
Just went through this. Progressive was the best rates.
Posted on 11/20/24 at 8:21 pm to Will Cover
Just added my 16 yr old son with progressive. Was $100 a month with good grades and drivers ed discount. I felt good about it.
Posted on 11/20/24 at 8:21 pm to Will Cover
In the current environment, all I can say is good luck.
Posted on 11/20/24 at 8:23 pm to AtticusOSullivan
quote:
Was $100 a month with good grades and drivers ed discount.
She has very good grades, over a 4.0 GPA. And she's completed driver's education.
What did you do to have to provide proof?
Posted on 11/20/24 at 8:24 pm to Will Cover
Do what people at the plant do.
License your kid. Don't put him on your policy. Let him drive "your" cars. If he gets in an accident, you'll need to then add him moving forward. But you got 1 freebie.
License your kid. Don't put him on your policy. Let him drive "your" cars. If he gets in an accident, you'll need to then add him moving forward. But you got 1 freebie.
Posted on 11/20/24 at 8:24 pm to TDTOM
quote:
Just went through this. Progressive was the best rates.
Which state is your teenage driver insured in? How much are you paying? Did you just add your teenager to your policy, or get them a separate policy (if this is even allowed)?
Posted on 11/20/24 at 8:25 pm to DiamondDog
quote:
Do what people at the plant do.
License your kid. Don't put him on your policy. Let him drive "your" cars. If he gets in an accident, you'll need to then add him moving forward. But you got 1 freebie.
How is this "legal"? Help me understand more about the "1" freebie. Is this a universal policy across all insurance companies?
Posted on 11/20/24 at 8:26 pm to Will Cover
Same questions. Please advise.
Posted on 11/20/24 at 8:26 pm to Will Cover
In theory, you're covered if you "allow" someone to drive your car. But it can't be regularly or if they take possession.
Posted on 11/20/24 at 8:27 pm to Will Cover
I am not looking forward to this eventual scenario in my life.
In the early 2000s, my dad said paying $10,000/yr for the whole family to drive was not something he ever factored in when starting a family.
In the early 2000s, my dad said paying $10,000/yr for the whole family to drive was not something he ever factored in when starting a family.
Posted on 11/20/24 at 8:29 pm to AtticusOSullivan
quote:
Just added my 16 yr old son with progressive. Was $100 a month with good grades and drivers ed discount. I felt good about it.
You definitely don't live in Louisiana
Posted on 11/20/24 at 8:30 pm to Will Cover
quote:
How is this "legal"? Help me understand more about the "1" freebie. Is this a universal policy across all insurance companies?
No there was never one freebie. He’s talking about not listing your kid at all until they get in a wreck and the insurance company finds out about them.
Companies are curbing that by creating high deductibles if an unlisted resident of the household is driving. I’ve seen some go to $2500.
Posted on 11/20/24 at 8:31 pm to Will Cover
quote:
How is this "legal"? Help me understand more about the "1" freebie. Is this a universal policy across all insurance companies?
I think (but not certain) it’d kinda be like grilling burgers and you let your buddy Dave run to the store in your car to get pickles and he gets in a wreck. Covered.
Posted on 11/20/24 at 8:31 pm to DiamondDog
quote:
In theory, you're covered if you "allow" someone to drive your car. But it can't be regularly or if they take possession.
So in this case, I am buying another vehicle, which I am. And if I understand you correctly, I will be the primary driver of this vehicle, and if I allow my daughter to occasionally drive this vehicle, my insurance company would cover me on this accident (if at fault) because I am the primary, and I just let her drive the vehicle to run an errand, pick up food, etc.. Is this correct?
Posted on 11/20/24 at 8:32 pm to Havoc
quote:
I think (but not certain) it’d kinda be like grilling burgers and you let your buddy Dave run to the store in your car to get pickles and he gets in a wreck. Covered.
Make sense, because stuff like this does happen. But wouldn't "Dave" have his own insurance policy that would cover him whereas a teenaged licensed driver may not -- if their parent chose the "freebie" route?
Posted on 11/20/24 at 8:33 pm to CaptainsWafer
quote:
Companies are curbing that by creating high deductibles if an unlisted resident of the household is driving. I’ve seen some go to $2500.
But that would be in your policy already so you could check that before.
Posted on 11/20/24 at 8:34 pm to Will Cover
quote:
So in this case, I am buying another vehicle, which I am. And if I understand you correctly, I will be the primary driver of this vehicle, and if I allow my daughter to occasionally drive this vehicle, my insurance company would cover me on this accident (if at fault) because I am the primary, and I just let her drive the vehicle to run an errand, pick up food, etc.. Is this correct?
Yes and No. Yes you’d be covered but I don’t think you’re understanding correctly (the no part). Your kid would be a listed driver on the policy where you are the primary. So it’s different than letting your neighbor regularly borrow your car.
ETA
If my truck breaks down and you let me use your truck until mine is fixed, MY insurance is primary while driving your car.
Your kid does not fall into this category as they’d be a listed driver with permission to use at will.
This post was edited on 11/20/24 at 8:36 pm
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