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re: Adding teenager to vehicle insurance - questions and looking for advice
Posted on 2/1/25 at 10:40 am to meeple
Posted on 2/1/25 at 10:40 am to meeple
It's my understanding that most insurers don't raise the rate for a teenager with a learner's permit. They only raise it when s/he gets the actual driver's license.
Unless your teen needs to drive alone or with no adults, you should keep them on a learner's license for as long as possible.
Unless your teen needs to drive alone or with no adults, you should keep them on a learner's license for as long as possible.
1
Posted on 2/1/25 at 2:39 pm to meeple
quote:Probably in the next six months.
What’s your timeline on getting the teenager a vehicle of his/her own?
Posted on 2/1/25 at 7:19 pm to shiphascomein
quote:
This is some of the worst advice i have ever seen. Almost universally, auto policies have permissive users clauses, but exclude as permissive users those who live in the same household unless they are listed on the policy
I have two teenagers, first one I added her to the policy, I went from paying 100 a month to over 500.
Learned my lesson, I made my second one get her license address with her mom, (divorced), but the car is under my policy at my home.
So she’s not a household member. Think I’m good hopefully.
This post was edited on 2/1/25 at 7:20 pm
Posted on 2/1/25 at 7:31 pm to mmmmmbeeer
quote:
Not even a little bit true when it comes to people living in the home listed on the title. Kid gets in a wreck and they aren't on insurance, no insurance pay out.
So what about my situation if kid lives with another parent. Get into a wreck, DL will have a different address from what’s on my policy. What’s the difference if it’s my adult sister uses my car and wrecks and lives at a different address?
Insurance won’t pay out?
This post was edited on 2/1/25 at 7:32 pm
Posted on 2/1/25 at 9:48 pm to ClaimToFame
quote:
Unless your teen needs to drive alone or with no adults, you should keep them on a learner's license for as long as possible.
Well at 16 the itch is there. Will be getting a job soon, will help with getting self to extracurriculars etc. I’m not sure how long I can hold out.
Posted on 2/2/25 at 4:06 am to Townedrunkard
quote:
Learned my lesson, I made my second one get her license address with her mom, (divorced), but the car is under my policy at my home.
So she’s not a household member. Think I’m good hopefully.
Crazy risk. If the insurance company finds out they will deny coverage and your auto damage and liability will be denied.
Posted on 2/2/25 at 8:01 am to meeple
Like mentioned before, State Farm has a program for teen driver's.
There's an app that monitors miles and after so many they get a small discount.
Even with all that mine still went up about $300.00 a month.
There's an app that monitors miles and after so many they get a small discount.
Even with all that mine still went up about $300.00 a month.
Posted on 2/2/25 at 9:19 pm to meeple
Add a million umbrella policy. 100/300 will protect you from 90% of excess judgements, a million will bump that to 100%.
Posted on 2/3/25 at 5:46 am to RoyalWe
I gas just the opposite with USAA. Been. A member for 31 years and switched to GEICO last year. Added 16 year old with car to USAA and it increased over 2500 a year. GEICO with discounts less than 1200 for the year. USAA easily 50% more. Same coverages in new policy. USAA has lost its way over the last 5-6 years.
They are turning into a regular insurance company instead of focusing on its original mission when they started back in 1922. Having Gronk as your spokesman is telling.
They are turning into a regular insurance company instead of focusing on its original mission when they started back in 1922. Having Gronk as your spokesman is telling.
Posted on 2/3/25 at 7:39 am to ABNRanger
Fair enough. My adult son and I got quotes for his auto insurance. Out of USAA, Geico, and Progressive, Progressive was easily the cheapest. It sounds like everyone needs to shop their insurance often.
Posted on 2/17/25 at 3:33 pm to meeple
Bumping for coverage assessment. Is my existing coverage sufficient to add the 16 yr old?
100/300 Bodily injury liability
50 property damage liability
50/100 UM
Vehicle 1 - no comp or collision (it’s old)
Vehicle 2 - high deductibles on comp/collision
100/300 Bodily injury liability
50 property damage liability
50/100 UM
Vehicle 1 - no comp or collision (it’s old)
Vehicle 2 - high deductibles on comp/collision
Posted on 2/18/25 at 1:12 pm to meeple
quote:
Adding teenager to vehicle insurance - questions and looking for advice
Posted on 2/18/25 at 1:21 pm to SuperSaint
This is my little crazy story. We did a policy with us and two kids with GEICO. Pre-paid 6 months, all online. Went great. I just so happened that I drove with one of the kids on a 800 mile each way trip about 3 weeks later for an event for a group they are involved in. Boom, a couple of weeks after that we get a bill for $1000!!! Call them and they said they had adjusted our rates based on what the (required) app had told them about our driving. NUTS.
Posted on 2/19/25 at 3:17 pm to Townedrunkard
quote:
This is some of the worst advice i have ever seen. Almost universally, auto policies have permissive users clauses, but exclude as permissive users those who live in the same household unless they are listed on the policy
I have two teenagers, first one I added her to the policy, I went from paying 100 a month to over 500.
Learned my lesson, I made my second one get her license address with her mom, (divorced), but the car is under my policy at my home.
So she’s not a household member. Think I’m good hopefully.
Well, I think you are opening yourself up to a situation where if there is an accident you likely wont have liability coverage. If your child is a licensed driver and has regular access to your vehicle, even if they technically don't have the same address as you because you and the mom are divorced, my firm belief is that if the accident is bad enough for the insurance company to really look into it they will figure out what you are doing and will deny the claim. You have a duty to disclose that kind of stuff to the insurer so they can rate the risk, and if you fail to disclose it's probably fraud. The reason your premium went up $400/month with your first kid is because the insurer knows its risk of having to pay a claim is way higher. That additional premium is what their actuaries believe is necessary to mitigate the risk of your 16 year old injuring someone in an accident. By allowing the other kid regular access to your vehicle, the insurer would have the same additional risk without the benefit of the additional premium.
I am sure you understand all this, you just dont like having to pay the premiums. No one does, but insurance companies are not charities and no matter how smart you think you are in finding a "loophole", if an accident happens and the insurer is looking at a $500,000 claim, you can bet your arse the adjusters will figure out your kid should have been a listed and rated driver and they will deny your claim.
Good luck to you, but like almost everything in life, there are no shortcuts and no free rides.
This is some of the worst advice i have ever seen. Almost universally, auto policies have permissive users clauses, but exclude as permissive users those who live in the same household unless they are listed on the policy
I have two teenagers, first one I added her to the policy, I went from paying 100 a month to over 500.
Learned my lesson, I made my second one get her license address with her mom, (divorced), but the car is under my policy at my home.
So she’s not a household member. Think I’m good hopefully.
Well, I think you are opening yourself up to a situation where if there is an accident you likely wont have liability coverage. If your child is a licensed driver and has regular access to your vehicle, even if they technically don't have the same address as you because you and the mom are divorced, my firm belief is that if the accident is bad enough for the insurance company to really look into it they will figure out what you are doing and will deny the claim. You have a duty to disclose that kind of stuff to the insurer so they can rate the risk, and if you fail to disclose it's probably fraud. The reason your premium went up $400/month with your first kid is because the insurer knows its risk of having to pay a claim is way higher. That additional premium is what their actuaries believe is necessary to mitigate the risk of your 16 year old injuring someone in an accident. By allowing the other kid regular access to your vehicle, the insurer would have the same additional risk without the benefit of the additional premium.
I am sure you understand all this, you just dont like having to pay the premiums. No one does, but insurance companies are not charities and no matter how smart you think you are in finding a "loophole", if an accident happens and the insurer is looking at a $500,000 claim, you can bet your arse the adjusters will figure out your kid should have been a listed and rated driver and they will deny your claim.
Good luck to you, but like almost everything in life, there are no shortcuts and no free rides.
Posted on 2/19/25 at 3:25 pm to Townedrunkard
quote:
Not even a little bit true when it comes to people living in the home listed on the title. Kid gets in a wreck and they aren't on insurance, no insurance pay out.
So what about my situation if kid lives with another parent. Get into a wreck, DL will have a different address from what’s on my policy. What’s the difference if it’s my adult sister uses my car and wrecks and lives at a different address?
Insurance won’t pay out?
Your adult sister most likely does not have regular access to your car. She may drive it once every blue moon, and that is the purpose of permissive use coverage. But, if you have a car that your kid uses fairly regularly, you should assume the insurer will not pay the claim.
Not even a little bit true when it comes to people living in the home listed on the title. Kid gets in a wreck and they aren't on insurance, no insurance pay out.
So what about my situation if kid lives with another parent. Get into a wreck, DL will have a different address from what’s on my policy. What’s the difference if it’s my adult sister uses my car and wrecks and lives at a different address?
Insurance won’t pay out?
Your adult sister most likely does not have regular access to your car. She may drive it once every blue moon, and that is the purpose of permissive use coverage. But, if you have a car that your kid uses fairly regularly, you should assume the insurer will not pay the claim.
Posted on 2/19/25 at 4:35 pm to FOBW
quote:
Add a million umbrella policy. 100/300 will protect you from 90% of excess judgements, a million will bump that to 100%.
Looking at the cost of umbrella policies in LA from the other thread, I wonder if just increasing auto would be cheaper. I guess I need to research what umbrella policies cover.
Posted on 4/4/25 at 4:16 pm to meeple
Are teens with learners permits required to be added to insurance?
Posted on 4/4/25 at 7:59 pm to shiphascomein
Both are wrong because an insurer can’t deny coverage if an unlisted driver is behind the wheel. They will pay the claim and most likely drop you at the end of the policy term. They can deny coverage if an excluded driver is behind the wheel. The advice is still terrible though because once your unlisted driver gets in a wreck and they drop you good luck finding a new policy that isn’t triple what you were paying.
Posted on 4/7/25 at 7:42 am to meeple
quote:
Are teens with learners permits required to be added to insurance?
I need to know this too. I didn’t think my parents added me to their insurance when I began driving but that was 30 years ago.
I have a step daughter that I’m teaching and she only drives with me in the car, 80% in empty parking lots or practically abandoned neighborhood streets. I’m not ready to pay $300 more per month for that.
Posted on 4/7/25 at 7:46 am to meeple
No. At least not with my insurance. My premium didn't change until she got her license.
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