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re: Teen driver insurance quote- holy crap!
Posted on 11/28/18 at 12:29 pm to fallguy_1978
Posted on 11/28/18 at 12:29 pm to fallguy_1978
quote:
I'll absolutely only carry liability on it.
the liability is the lions share of the premium esp with teen drivers, you will save very little
0
Posted on 11/28/18 at 12:29 pm to LordSaintly
dont list her.
Posted on 11/28/18 at 12:30 pm to schlodc
quote:
Buy the kid a "disposable" car and only get liability insurance.
Yeah I got a 15 year old Oldsmobile quoted also and it did almost nothing.
Posted on 11/28/18 at 12:30 pm to lnomm34
quote:
quote:
Buy the kid a "disposable" car and only get liability insurance.
That used to be the way to do it. But insurance companies wised up, from what I understand, and they rate the teenage driver on the most expensive vehicle in the home.
So don't let your kid drive your nice vehicles. You can list them as not allowed to drive certain vehicles on policy.
Posted on 11/28/18 at 12:30 pm to knuckleballer
Make the kid get a job to cover insurance
Or have the car completely in the kid’s name. PO box as address, no connection to you and just let him drive around uninsured like everybody else in Louisiana.
Or have the car completely in the kid’s name. PO box as address, no connection to you and just let him drive around uninsured like everybody else in Louisiana.
This post was edited on 11/28/18 at 12:32 pm
Posted on 11/28/18 at 12:31 pm to knuckleballer
For the cost of the vehicle and insurance you can hire a chauffeur.
Posted on 11/28/18 at 12:32 pm to lnomm34
quote:
what I understand, and they rate the teenage driver on the most expensive vehicle in the home.
no they don't, If the teen has his own car the teen gets rated on the vehicle he drives the most.
ETA: Unless the Company use an average across all vehicles for rating.
This post was edited on 11/28/18 at 1:08 pm
Posted on 11/28/18 at 12:32 pm to knuckleballer
USAA is very expensive with teens
Otherwise it’s the cheapest I had to switch to progressive for that reason due to my step son
Otherwise it’s the cheapest I had to switch to progressive for that reason due to my step son
Posted on 11/28/18 at 12:33 pm to knuckleballer
Wow. I want to say my USAA auto is like only $800 a year. That will be a big change 
Posted on 11/28/18 at 12:34 pm to knuckleballer
Usaa is high as giraffe pussy
Posted on 11/28/18 at 12:35 pm to Jim Rockford
quote:
For the cost of the vehicle and insurance you can hire a chauffeur.
Rockford, you aren’t far off. A $20 Uber ride a day vs a 10k car and insurance about evens out
This is extortion. I’m in the wrong business
Posted on 11/28/18 at 12:35 pm to lsucoonass
And of course the ex had to get him a 2019 Camry
Posted on 11/28/18 at 12:37 pm to knuckleballer
Look and see if additional drivers are already covered under your current coverage (like lettin a friend borrowing your vehicle. Are they covered?). If so, don’t add them
Posted on 11/28/18 at 12:38 pm to schlodc
quote:
Buy the kid a "disposable" car and only get liability insurance.
My 15 yr old has been driving her future car with a permit for months. When she's 16, we're giving her the car and we'll be set up that way.
Older car with just Liability. She crashes, she walks.
This post was edited on 11/28/18 at 12:39 pm
Posted on 11/28/18 at 12:38 pm to knuckleballer
dont add the 3rd car.
and they will have same liability coverage that you have unless they get a policy in their name
daughter just finished her 4th drive for drives Ed and wife checked into insurance costs.... insurance would be more then car note....
and they will have same liability coverage that you have unless they get a policy in their name
daughter just finished her 4th drive for drives Ed and wife checked into insurance costs.... insurance would be more then car note....
Posted on 11/28/18 at 12:40 pm to LordSaintly
quote:
s Is it essential for your kid to drive? Serious question.
It would benefit us, but not esential. 2 other younger siblings. All at different schools due to their age and they’re all into sports/ practice etc. it would definitely give Mom and Dad some relief.
Posted on 11/28/18 at 12:41 pm to mikelbr
quote:
My 15 yr old has been driving her future car with a permit for months. When she's 16 this will be the situation for her. Older car with just Liability. She crashes, she walks.
I think my daughter will be a better driver than my wife. It would be hard to be worse actually
Posted on 11/28/18 at 12:41 pm to knuckleballer
What kind of car is the kid driving?
Posted on 11/28/18 at 12:42 pm to knuckleballer
That’s about right. I had to go through the same situation that you are in and I feel your pain.
Posted on 11/28/18 at 12:44 pm to Phil A Sheo
quote:
what I understand, and they rate the teenage driver on the most expensive vehicle in the home.
quote:
no they don't, If the teen has his own car the teen gets rated on the vehicle he drives the most.
LINK
quote:
Instead, auto insurance underwriting and rating rules, which are approved by the state, normally assign the highest rated driver (usually the youngest or the one with the most violations) to the highest rated vehicle (usually the newest or most expensive).
Car insurers then assign the next highest rated driver to the next highest rated car and so on, if you have more drivers and vehicles in your household. It doesn't matter if you own all the cars listed on the policy, the other drivers on your car insurance policy can still be rated and listed on your vehicles, since they will be operating them.
While it may make more sense to you, for car insurers to rate the driver with the actual car they drive the most, that isn't how it happens with most insurers. There are a few carriers who will match up each driver to the car they use the most when determining the primary driver of each vehicle. However, this is not the norm.
I guess to some posters' point, it might be possible to exclude the teenager from coverage on certain vehicles, but that's risky. Anyway, seems we're both right in a way.
I won't have to deal with this for another 14 years or so. By that time, car insurance rates will be really fun.
quote:
If your son is rated to your most expensive vehicle, but he will never drive it, then you could see if it's possible to exclude him from that vehicle. Some car insurance companies allow this (also state laws must allow a named driver exclusion of this type).
If you did an exclusion for your 25-year-old old son on the most expensive car then he wouldn't be rated on that vehicle, but he also couldn't drive it because he would be without auto insurance coverage for it.
With a named driver exclusion like this, he wouldn't have insurance coverage extended to him if he drove the car he was excluded from, since you aren't paying premiums for him to have use of that vehicle.
This post was edited on 11/28/18 at 12:49 pm
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