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re: Adding teenager to car insurance....WTF!!!
Posted on 7/29/17 at 8:46 am to Badman
Posted on 7/29/17 at 8:46 am to Badman
That is high, I think. Does he have a 3.0 gpa or above? Has he had Drivers Training? There is no way adding him as an occassional driver should spike your rates that much. My son has been a primary on a vehicle since he turned 16..the highest rate ever was in the $260 per month range and we carry 100/300 limits. The company I work for offers significant discounts for the gpa and drivers training I asked about earlier. Maybe that will help if he has those things. I'd check around some. Good luck.
This post was edited on 7/29/17 at 8:48 am
1
Posted on 7/29/17 at 8:50 am to Badman
Shop around but you'll still get raped.
If you have a daughter just wait till she gets married.
If you have a daughter just wait till she gets married.
Posted on 7/29/17 at 8:51 am to Badman
Insurance is the reason I will never pay a note on a car. I avoid full coverage like the plague.
Posted on 7/29/17 at 8:51 am to Badman
$270 for 2 adults sounds high to me, to start. We are paying $160 for a '16 4Runner and a '10 Odyssey.
Posted on 7/29/17 at 9:05 am to Badman
quote:
Adding my 17yr old son to my esurance policy. My rates jump from $271/month for me and wife to $935/month for all three of us?
Something seems terribly off with your figures. It might be a billing cycle issue where latent charges didn't get picked up for a while then they all hit for an installment.
Posted on 7/29/17 at 9:06 am to Crimson1st
Anybody who put their kid on as a primary driver is not too bright
Posted on 7/29/17 at 9:07 am to Badman
quote:
Adding my 17yr old son to my esurance policy.
My rates jump from $271/month for me and wife to $935/month for all three of us?
What coverage do you have and what car does he drive?
Posted on 7/29/17 at 9:08 am to Badman
Farm Bureau for teen drivers.
Posted on 7/29/17 at 9:08 am to Flashback
quote:
I avoid full coverage like the plague.
Not always the wisest move. In many states, collision coverage fixes your car in an uninsured motorist situation which can be a lot broader than you probably think so even if you are a safe driver, you are leaving yourself with a huge exposure.
Posted on 7/29/17 at 9:10 am to Badman
Buy him a classic car from the 60s or so. The cost of the car will be offset by the savings in the insurance.
Posted on 7/29/17 at 9:11 am to Rouge
quote:
Anybody who put their kid on as a primary driver is not too bright
In most cases yes BUT if the parents have shitty credit and a shitty driving record, you would be surprised...the kid can get the lower rate.
Posted on 7/29/17 at 9:12 am to Badman
His insurance would cost $664 per month? That's beyond outrageous.
Shop around.
Shop around.
Posted on 7/29/17 at 9:12 am to Crimson1st
I am adding my 21 year old step son to my policy as a secondary and it is like $65 increase a month but I think I got discounts for him being in college and good grades plus he is 21
I think it will be around $120 to add my 16 year old son in November
I think it will be around $120 to add my 16 year old son in November
Posted on 7/29/17 at 9:14 am to Badman
Adding my son doubled my premium.
Posted on 7/29/17 at 9:15 am to Janky
quote:
Adding teenager to car insurance....WTF!!!
The wife and I pay $206/month for two 4runners
I pay $196 for a 2017 F-250 and a 2014 new grand Cherokee Overland.
Posted on 7/29/17 at 9:15 am to Split2874
quote:
I am adding my 21 year old step son to my policy as a secondary and it is like $65 increase a month but I think I got discounts for him being in college and good grades plus he is 21 I think it will be around $120 to add my 16 year old son in November
Sounds about right...unfortunately it runs a good bit more but the insurance carrier is biting off a huge risk based off lack of experience if nothing else.
Posted on 7/29/17 at 9:15 am to chadams4lsu
quote:
I just did this for my son. I bought him an old 93 Jeep Wrangler and made him the primary driver of that, so we don't have to pay full coverage. My insurance went up $100 per month. Got discounts for good grades and drivers ed. My insurance is through USAA.
This makes me happy. I thought I was about to get arse raped in January with my 16 yr old son driving, and I have USAA.
Posted on 7/29/17 at 9:16 am to Badman
Uninsured is the only way to roll
Posted on 7/29/17 at 9:19 am to Badman
quote:
BTW,he doesn't even have a car yet.
Then he doesn't need to be on your insurance. No point in paying insane premiums until it is necessary for him to drive.
Posted on 7/29/17 at 9:19 am to iron banks
quote:
Try Geico but yeah bend over. They know he will likely get in a significant wreck.
I switched to Geico when our son started driving. My previous company did pretty much the same to me as yours did to you. Geico gave me better coverage and only added about $50 per month for the teenager and his car. I couldn't believe it.
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