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Message
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
(no message)
This post was edited on 2/8/25 at 2:55 pm
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