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Started By
Message
Teen driver insurance quote- holy crap!
Posted on 11/28/18 at 12:20 pm
Posted on 11/28/18 at 12:20 pm
$400! more a month (good student discount included) for the same coverage my wife and I have and adding a vehicle. USAA
Any tips? Strip the teen coverage and lean on umbrella homeowner policy? Any other company/ policy recommendations?
5k a year for a kid to drive is very very painful.
Any tips? Strip the teen coverage and lean on umbrella homeowner policy? Any other company/ policy recommendations?
5k a year for a kid to drive is very very painful.
43
Posted on 11/28/18 at 12:21 pm to knuckleballer
I'm preparing my anus for this in 3-4 years.
Posted on 11/28/18 at 12:21 pm to knuckleballer
You don't need insurance to ride a bike, baw
Posted on 11/28/18 at 12:23 pm to knuckleballer
Boy or girl? Facing the same thing shortly.
Posted on 11/28/18 at 12:23 pm to knuckleballer
Just give him $400/mt for uber/lyft
Posted on 11/28/18 at 12:23 pm to knuckleballer
quote:
Teen driver insurance quote- holy crap! by knuckleballer
Ahhh welcome my friend. I have 2! Both boys, which cost more than girls, and both with discounts for the safe driving course online and grades.
Sucks
Posted on 11/28/18 at 12:23 pm to knuckleballer
You sound shocked
Posted on 11/28/18 at 12:23 pm to knuckleballer
Let me know if you figure something out. I have two teenage boys on a policy 
Posted on 11/28/18 at 12:23 pm to knuckleballer
Don't add your teenager. If they get in a fender bender, your insurance company will pay it, but then your insurance will make you add your teen.
Posted on 11/28/18 at 12:23 pm to knuckleballer
Buy the kid a "disposable" car and only get liability insurance.
Posted on 11/28/18 at 12:24 pm to mt1
Girl
Posted on 11/28/18 at 12:24 pm to knuckleballer
quote:
Strip the teen
well that's one way to make up the $400/mo. hell even your wife could probably pull $200/mo.
but will need pics of wife before processing your claim.
Posted on 11/28/18 at 12:25 pm to knuckleballer
Try 2 teens. It's fricking insane.
You won't get an umbrella covering auto unless you have underlying higher limits 100/300 or 250/500.
Try GEICO for the "best" rates.
You won't get an umbrella covering auto unless you have underlying higher limits 100/300 or 250/500.
Try GEICO for the "best" rates.
Posted on 11/28/18 at 12:25 pm to knuckleballer
Make you or your wife the primary driver of the new vehicle. Add him as an occasional driver to your policy.
Posted on 11/28/18 at 12:25 pm to schlodc
quote:
Buy the kid a "disposable" car and only get liability insurance.
I'm hoping my wife doesn't completely destroy her Accord and I can give it to my daughter in 4 years. It will be 10 years old then and I'll absolutely only carry liability on it.
Posted on 11/28/18 at 12:25 pm to schlodc
(no message)
This post was edited on 2/8/25 at 2:56 pm
Posted on 11/28/18 at 12:27 pm to knuckleballer
Louisiana auto insurance rates are laughably high anyway. It's not surprising at all.
Is it essential for your kid to drive? Serious question.
quote:
5k a year for a kid to drive is very very painful.
Is it essential for your kid to drive? Serious question.
Posted on 11/28/18 at 12:28 pm to knuckleballer
quote:
Try GEICO for the "best" rates.
Just went through same thing and this is best advice you will get. Very huge difference.
Posted on 11/28/18 at 12:29 pm to knuckleballer
quote:
Strip the teen coverage and lean on umbrella homeowner policy?
That's not a good idea. Umbrella policies require you to have minimum limits on autos, usually 250/500 or 300/300. So in order to rely on the umbrella to cover you if your teen wrecks and injures someone, you must be properly covered elsewhere, and that includes having your teen insured on one of your autos at the minimum limit (250/500 or 300/300).
If you leave your kid off the insurance and he/she wrecks and injures someone, your insurance company can legally deny the claim based on an undisclosed driver driving at the time of the accident.
Think of it this way:
There was a damn good reason you bought an umbrella policy to begin with. That reason is because you have lots to lose in the event of a lawsuit. Do you really want a teen with little driving experience driving your vehicle around with all of your assets in the trunk?
Try Geico. Their rates are ridiculously low.
Posted on 11/28/18 at 12:29 pm to knuckleballer
My neighbor was paying $850 for his 16 year olds insurance on his BMW
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