- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Adding teen to car insurance
Posted on 7/18/26 at 1:14 pm
Posted on 7/18/26 at 1:14 pm
Just added my 16yo daughter to USAA auto. Went up $600/mo. WTF??
Anyone have suggestions on another carrier?
Anyone have suggestions on another carrier?
36
Posted on 7/18/26 at 1:17 pm to KirbySmith
Son is 18. Never added him. Should be fine.
Posted on 7/18/26 at 1:17 pm to KirbySmith
quote:
16yo daughter to USAA auto. Went up $600/mo.
Tell her to learn to walk or get a boyfriend with a car.
Posted on 7/18/26 at 1:21 pm to KirbySmith
Get her a beater, put liability on it, and make her the primary driver. She will then become an occasional driver of your other vehicles. Her policy should be $600 every six months or less.
Posted on 7/18/26 at 1:24 pm to KirbySmith
Do you or your other drivers have any tickets or accidents? Adding a teen driver when one of the other drivers has a blemish is painful.
You can shop, but usually you get a better deal adding a teen driver to an existing policy versus buying a new policy with an already licensed teen driver.
Raise your deductibles or drop collision on older vehicles if you can.
You can shop, but usually you get a better deal adding a teen driver to an existing policy versus buying a new policy with an already licensed teen driver.
Raise your deductibles or drop collision on older vehicles if you can.
Posted on 7/18/26 at 1:25 pm to Tarps99
USAA has been raising rates on us, too.
Two senior citizens, no accidents in the past decade. A couple hundred more every six months, even though the cars are older and only one has what might be a replacement value insurance.
After decades of being with USAA, DH is starting to mutter about shopping around.
I wonder how much is the presence of many totally uninsured motorists who couldn't spell drivers license in English affecting our costs.
Two senior citizens, no accidents in the past decade. A couple hundred more every six months, even though the cars are older and only one has what might be a replacement value insurance.
After decades of being with USAA, DH is starting to mutter about shopping around.
I wonder how much is the presence of many totally uninsured motorists who couldn't spell drivers license in English affecting our costs.
Posted on 7/18/26 at 1:26 pm to Gee Grenouille
quote:
Son is 18. Never added him. Should be fine.
My state farm agent told me the same thing. We only had two cars, I was primary on one, wife the other, said I didn't have to add her.
Posted on 7/18/26 at 1:27 pm to real turf fan
Just combined our home owners & auto woth the same company & saved bundling them together. About $1400 savings combined (have teen daughter on policy too).
Posted on 7/18/26 at 1:28 pm to real turf fan
USAA just dropped our car insurance rate by $40 / month unprompted when the policy renewed last month. We are both right around 50, empty nesters but nothing in our life has changed in the last 3 years to cause a change.
Teenagers are expensive to insure, we had a similar price shock when adding ours.
Teenagers are expensive to insure, we had a similar price shock when adding ours.
This post was edited on 7/18/26 at 1:32 pm
Posted on 7/18/26 at 1:36 pm to real turf fan
quote:
wonder how much is the presence of many totally uninsured motorists who couldn't spell drivers license in English affecting our costs.
Its the lawyers man. Any minor bender with a followup visit for a sore back, is an auto unchalenged basically 25k for them....and up from there
Posted on 7/18/26 at 1:37 pm to KirbySmith
It’s going to hurt your bank account until she’s on her own or married.
Posted on 7/18/26 at 1:58 pm to KirbySmith
Look on the bright side. Since Gordon and the insurance companies are getting richer we can lure more talent with NIL $
Posted on 7/18/26 at 2:08 pm to KirbySmith
I had good luck with Progressive when I added my son last year. Switched from Geico who tried to raise my rates almost 400 dollars.
Posted on 7/18/26 at 2:17 pm to wartiger2004
I was paying $1000 a month. You great is turning 21 in October and latest renewal was $760 or so! So yay!
Posted on 7/18/26 at 2:19 pm to Aces_full
quote:
Just combined our home owners & auto woth the same company & saved bundling them together. About $1400 savings combined (have teen daughter on policy too).
Wow….so that sounds like it was worthwhile! Both my homeowners and auto insurance companies have been after me to do this,
Posted on 7/18/26 at 2:26 pm to KirbySmith
Babytac self-insures
It has saved him an ungodly amount of tens of thousands over the years fwiw
It has saved him an ungodly amount of tens of thousands over the years fwiw
Posted on 7/18/26 at 2:28 pm to KirbySmith
Having USAA is the issue. They are not doing servicemembers any favors. Geico will take better care of vets.
Posted on 7/18/26 at 2:39 pm to ChatGPT of LA
quote:
Its the lawyers man. Any minor bender with a followup visit for a sore back, is an auto unchalenged basically 25k for them....and up from there
Need to go to a no pay/no play system. It would cut down on at least some of it.
Posted on 7/18/26 at 2:41 pm to KirbySmith
Maybe don't get her a license yet?
Posted on 7/18/26 at 2:43 pm to wartiger2004
quote:
I had good luck with Progressive
I have homeowners with USAA and auto with progressive.
USAA is always higher than progressive when they try to quote me auto.
Page 1 of 5
Popular
Back to top
Follow TigerDroppings for LSU Football News