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Started By
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re: Vehicle insurance cost question for you La baws with kids
Posted on 8/16/23 at 1:31 pm to madamsquirrel
Posted on 8/16/23 at 1:31 pm to madamsquirrel
Can you switch to an umbrella policy on everything and see if it's cheaper to insure while the kids are that young or under your roof driving...
1
Posted on 8/16/23 at 1:32 pm to jralspanky
Ah the difference in what I paid was 180 when she started driving that car. I already paid for insurance on that car for myself. So added together probably in the same range as other posters. 3 cars on the policy and a golf cart which is seperate.
Posted on 8/16/23 at 1:33 pm to tigafan4life
quote:SF doesnt do that. If I put him on one vehicle vs another there us a $400 difference. He can though drive any of our cars.
Oh and I will add that the child has to be rated on every car you own, whether or not they will drive it doesn't matter.
This post was edited on 8/16/23 at 1:35 pm
Posted on 8/16/23 at 1:33 pm to thejudge
Umbrella is on top of your coverage and you have to have high vehicle policy limits. In my experience (and my nephew was just added to a policy and we were discussing this very thing because it increased the umbrella premium also) it is in addition to not in place of.
My experience was also the same as Jakes with SF. Put kid on cheapest rated car and they can drive any of them.
My experience was also the same as Jakes with SF. Put kid on cheapest rated car and they can drive any of them.
This post was edited on 8/16/23 at 1:35 pm
Posted on 8/16/23 at 1:36 pm to jralspanky
quote:
Per month
1. 325
2. 440
Damn, yall are making me feel better.
Posted on 8/16/23 at 1:38 pm to Jake88
quote:In lousiana? I have asked MANY times about this and was told that the child has to be rated on all vehicles in the house.
SF doesnt do that. If I put him on one vehicle vs another there us a $400 difference. He can though drive any of our cars.
Posted on 8/16/23 at 1:40 pm to tigafan4life
It was that way precovid when all my kids were teenagers.
Eta: in Louisiana
Eta: in Louisiana
This post was edited on 8/16/23 at 1:40 pm
Posted on 8/16/23 at 1:42 pm to notiger1997
I'm in Texas. My 17 year old son drives a 2020 Mustang Ecoboost HPP-HP (High Performance Package and Performance Handling Package). The insurance on that car, for $300k/$500k with uninsured / underinsured, collision and comprehensive with $250 deduct is $786 for six months, so $131 a month.
Posted on 8/16/23 at 1:46 pm to HubbaBubba
quote:
$786 for six months, so $131 a month.
Oh screw you.
I really hate La.
Posted on 8/16/23 at 1:47 pm to HubbaBubba
My husband was looking at possibly getting another mustang and I told him not until all kids are out the house and on their own insurance, because it is THEFT here in Louisiana
Posted on 8/16/23 at 1:58 pm to notiger1997
16y old son, 2023 Nissan Sentra. State Farm and st Tammany parish with all discounts possible. 240$/month
Posted on 8/16/23 at 2:04 pm to madamsquirrel
We have 2 vehicles with Allstate.
Wife and son is $580/month combined
My truck is a company vehicle so I pay it through my company along with one other vehicle and for those 2 vehicles through State Farm it comes out to $383/month but that's about to get lowered bc one of those vehicles are going to be dropped from "business use" to "personal use"
Wife and son is $580/month combined
My truck is a company vehicle so I pay it through my company along with one other vehicle and for those 2 vehicles through State Farm it comes out to $383/month but that's about to get lowered bc one of those vehicles are going to be dropped from "business use" to "personal use"
Posted on 8/16/23 at 2:16 pm to notiger1997
I have twin 16 year old boys, carry max limits and pay about 10k a year for my vehicle insurance.
Posted on 8/16/23 at 2:16 pm to tigafan4life
quote:
In lousiana? I have asked MANY times about this and was told that the child has to be rated on all vehicles in the house.
You need a new agent since the one you're using isn't giving you solid information.
Drivers in the household under 25 are rated on the most expensive auto IF they are an occasional driver. I have rated young drivers on the cheapest auto when they are primary; three autos-three drivers, pick the cheap one and roll with it.
Independent Agent
Posted on 8/16/23 at 2:24 pm to KemoSabe65
quote:
Drivers in the household under 25 are rated on the most expensive auto IF they are an occasional driver. I have rated young drivers on the cheapest auto when they are primary; three autos-three drivers, pick the cheap one and roll with it.
Son is 23. We are on State Farm. He is included on the policy of the cheapest of 3 cars to insure, a 2011 Tahoe. Most expensive is my Expedition. I have never been told he has to be on the most expensive.
Posted on 8/16/23 at 2:35 pm to LSURussian
quote:
That used to be creative...maybe for the first three of four THOUSAND times somebody posted it. Now? Not so much...
In this case, it was pretty accurate
Posted on 8/16/23 at 2:38 pm to tigafan4life
Yes, in Louisiana. Just went for the costs 2 weeks ago.
Posted on 8/16/23 at 2:39 pm to notiger1997
300 per kid per month.
I don't see how people are surviving right now between gas, groceries and insurance.
I don't see how people are surviving right now between gas, groceries and insurance.
Posted on 8/16/23 at 2:40 pm to tgrbaitn08
quote:
Not true across the board. That was the max, not everyone’s went up 17%
not to mention all the companies are seeing large increase
Posted on 8/16/23 at 2:49 pm to SaintEB
Reread my post, it says exactly what you said.
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