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Started By
Message
re: Auto insurance for teenager
Posted on 11/20/24 at 8:34 pm to Will Cover
Posted on 11/20/24 at 8:34 pm to Will Cover
quote:
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?
This has exceeded my knowledge comfort zone.
1
Posted on 11/20/24 at 8:34 pm to Will Cover
quote:
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.
I shopped my USAA policy when it was going to double to add my 16 year old (no car, just the driver). We were already paying almost $200/month for 2 cars/2 drivers, no accidents. We moved to Progressive and it was just over $500 for 6 months paid in full for us, then another $400 when we added a new driver. It renews in February, so I’m hoping it was not a bait and switch price where it skyrockets upon renewal, but I felt like even if it goes up, surely it won’t match what we were paying with USAA.
I will say that USAA uses annual miles driven, while Progressive asks how far away your school/office is, and for us, it’s less than 5 miles, so maybe that makes a big difference.
When I cancelled our policy, USAA didn’t even try to retain my business. My friend said they basically told him that they could no longer be competitive in LA, so they just don’t even work at retention anymore. Definitely worth it to shop it.
Posted on 11/20/24 at 8:34 pm to CaptainsWafer
Correct.
You can buy a extra vehicle before you have a extra driver and it's cheap. Example... 3 cars and 2 drivers.. you can't drive them all.
Kid then gets license and you shut up about it until something happens in an accident, etc.
If you wait and they ask how many drivers and you say three they automatically put them on the third as a primary and rates are a lot higher.
Now the question is how will the insurance company treat you... each scenario is different.
You can buy a extra vehicle before you have a extra driver and it's cheap. Example... 3 cars and 2 drivers.. you can't drive them all.
Kid then gets license and you shut up about it until something happens in an accident, etc.
If you wait and they ask how many drivers and you say three they automatically put them on the third as a primary and rates are a lot higher.
Now the question is how will the insurance company treat you... each scenario is different.
Posted on 11/20/24 at 8:34 pm to Will Cover
It's correct. As I understand it. Not saying it's right but it's the prevailing thought amongst plant workers.
Posted on 11/20/24 at 8:36 pm to Will Cover
First, I research the market, knowing exactly what the insurance is or should be .
Second, I find this insurance locally. I drive to the broker and tell them exactly what I’m willing to pay for this insurance.
Important- do not have an emotional connection to this insurance. Know exactly what you plan to pay for it and not a penny more.
If the broker balks- walk. Very important.
The broker will call you back. Be patient. Their first offer will not be what you asked for. Hang up the phone.
Wait.
When they call back with your original offer, accept.
???
Profit
Second, I find this insurance locally. I drive to the broker and tell them exactly what I’m willing to pay for this insurance.
Important- do not have an emotional connection to this insurance. Know exactly what you plan to pay for it and not a penny more.
If the broker balks- walk. Very important.
The broker will call you back. Be patient. Their first offer will not be what you asked for. Hang up the phone.
Wait.
When they call back with your original offer, accept.
???
Profit
Posted on 11/20/24 at 8:37 pm to DiamondDog
quote:It helps if they are not a household resident. Mine went to boarding school then college so that helps.
In theory, you're covered if you "allow" someone to drive your car. But it can't be regularly or if they take possession.
Transcripts of grades are required for good student discount. When they hit 26, USAA will take them off your policy when but will write them on their own policy.
Multi Line discount was also a help with home and auto with one insurance company
This post was edited on 11/20/24 at 8:40 pm
Posted on 11/20/24 at 8:40 pm to Bullfrog
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.
quote:
It helps if they are not a household resident. Mine went to boarding school then college so that helps.
In my situation, my ex-wife and me share 50/50 custody. My daughter could possibly use the 2nd vehicle that I am buying in my name occasionally, and not primarily, correct without the need for insurance? In other words, "Dad" may let her use the 2nd vehicle to go to school one day, randomly.
This post was edited on 11/20/24 at 8:42 pm
Posted on 11/20/24 at 8:42 pm to Will Cover
Man, it comes down to if you're willing to risk it for the biscuit.
In LA, yes. When I lived in MO, no.
It's two different car insurance worlds.
In LA, yes. When I lived in MO, no.
It's two different car insurance worlds.
Posted on 11/20/24 at 8:43 pm to Will Cover
quote:
In my situation, my ex-wife and me share 50/50 custody. My daughter could possibly use the 2nd vehicle that I am buying in my name occasionally, and not primarily, correct without the need for insurance? In other words, "Dad" may let her use the 2nd vehicle to go to school one day, randomly.
Need for what insurance, listing her on the policy?
Posted on 11/20/24 at 8:59 pm to DiamondDog
quote:
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.
Great idea if you’re willing to misrepresent and/or commit fraud. While we’re at it let’s go to Best Buy and steal a couple 60” TVs.
This post was edited on 11/20/24 at 9:00 pm
Posted on 11/20/24 at 9:07 pm to Will Cover
quote:If this is relevant, we are gonna need explicit pics of your ex-wife.
If this is relevant, my ex-wife and I split custody 50/50.
TIA.
Posted on 11/20/24 at 9:10 pm to DiamondDog
quote:this. Did it from 16 till 19 lol... keep car in your name and add them as a driver when u have too
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.
Posted on 11/20/24 at 9:15 pm to soccerfüt
quote:
If this is relevant, we are gonna need explicit pics of your ex-wife.
There was nothing explicit about our relationship. She's my ex for a reason.
This post was edited on 11/20/24 at 9:46 pm
Posted on 11/20/24 at 9:20 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.
We get a national honor society and drivers ed discount for our daughter. But know that it’s not a one time thing when you get this discount. They’ll ask again to make sure your kid is maintaining good grades. We added our daughter back in the summer when she turned 16. Sent in all the proof to get the discount. Now for our 2026 policy they’re asking for updated grade averages. Thankfully she’s still getting straight As.
Posted on 11/20/24 at 9:36 pm to Will Cover
Just insured a 4.0 17 year old Female in Louisiana..Drivers Ed is mandatory in La, if you are 15 or 100, so there really isn't a break on your insurance
added an extra $328 monthly
added an extra $328 monthly
Posted on 11/20/24 at 9:37 pm to Darth_Vader
about USAA
They do reward long time customers. My husband has had USAA since he was in his early 20's. We get some money back from them every spring as they balance out their books. For the past four or five years he also gets a check back for being a long time senior member.
Our bills have gone up as more undocumented and uninsured are on the roads, as repair parts are more expensive and as labor prices have risen.
If you think you might want to stay with one company for the long haul.
They do reward long time customers. My husband has had USAA since he was in his early 20's. We get some money back from them every spring as they balance out their books. For the past four or five years he also gets a check back for being a long time senior member.
Our bills have gone up as more undocumented and uninsured are on the roads, as repair parts are more expensive and as labor prices have risen.
If you think you might want to stay with one company for the long haul.
Posted on 11/20/24 at 9:44 pm to GrammarKnotsi
quote:
added an extra $328 monthly
Ridiculous, but not much you can do.
Posted on 11/20/24 at 10:00 pm to Will Cover
Up your liability limits. Get an umbrella policy.
Posted on 11/20/24 at 10:08 pm to CarpeDiem
quote:
Up your liability limits. Get an umbrella policy.
I have a $1 million dollar umbrella policy as well.
Posted on 11/20/24 at 10:14 pm to Will Cover
I just did this yesterday.
I called my agent and said, "I just bought a new car for my son. We need to add it to our insurance".
She said, "check your email. I just sent you a copy of his proof of insurance."
Crazy thing. I didn't even have to start a thread about it. I did it instinctively.
Just Me >>> Will Cover
I called my agent and said, "I just bought a new car for my son. We need to add it to our insurance".
She said, "check your email. I just sent you a copy of his proof of insurance."
Crazy thing. I didn't even have to start a thread about it. I did it instinctively.
Just Me >>> Will Cover
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