Posted on 01/21/2021 3:55:32 PM PST by TermLimits4All
Holy Toledo!!! I just added my 16 year old daughter to our policy this evening and the premium for full coverage on 3 vehicles went from close to 1100.00 for six months to just under 3000.00. Time to switch carriers immediately! As if 2021 couldn’t get worse with the fraud President being installed in already getting gouged with insurance and soon to be gasoline.
I have always used Nationwide. A little higher but their Claim service and customer service has been good to me.
I live in Ohio also. I’ve been with State Farm since my first car. At one point had 3 teenagers on my policy. Our agent is/was great at matching up certain cars with each kid for the lowest premium.
I think you do need an agent willing to work for you and not try and sell the highest premium.
Excellent advice.
signed, Michigan FReeper (I wore a mask as I posted this, Gov Whitmer)/S
If you’ve been with a specific Ins. company for a number of years it’s always cheaper to add them or start their own with the same company! Cost/value of kids car, horsepower and driving area are huge parts of monthly cost.
The rates will be lower.
I doubt a woke insurance company would say no.
Hire Uber
I strongly support USNRET. . .
Georgia is expensive for auto insurance. Lots of lawsuits. Rural Wisconsin is EXCELLENT for insurance.
Our 16 year old is a cheerleader who I’ve been taking back and forth to the gym for years, it’s actually satisfying that she is able to drive herself to the gym, the 4 times a week, herself now.
“ Have her identify as a 25 year old male.
The rates will be lower.
I doubt a woke insurance company would say no.”
Now that’s funny.
We are looking to escape the “Pure Michigan Gulag”.
Have her identify as an illegal alien...then it’ll be free, including lawyer and judge...if she runs over an American citizen.
“I strongly support USNRET....”
Is that through Navy Federal Credit Union? I have accounts there.
Generally I would recommend having them purchase coverage where the parents purchase coverage. Ideally, the parents have purchased coverage from the same agent, and company for a number of years. This company may not provide the lowest rate, but the company would be less likely to cancel the policy if your child has an at fault accident or ticket or if the company changes their underwriting rules. Being cancelled by an insurance carrier can greatly complicate obtaining subsequent coverage.
If you have an agent, direct or independent, I would recommend that you have your child set up a meeting with the agent to discuss coverage. Ideally, you want the child to present a favorable impression about their maturity and also ask any questions that they might have. It is good if they have some questions (think of it like a job interview). Your child’s loss experience will be part of the agents experience with the company and the agent doesn’t want to have their financial results and bonuses impacted by a someone immature.
The child should understand that how they drive impact the safety of not only passengers and other drivers, but also police officers and other emergency responders. It also impacts the livelihood of agents and employees of the insurance company that provides coverage. It is a big responsibility.
After several drives around the subdivision, the first time I road with my oldest child as they turned into a busy street, I realized my life was in their hands.
Good luck, and God bless, and pray that the police never show up at your home.
I have felt your pain, best to get her an older vehicle with just liability. Not sure where you live but in Alabama my insurance is very cheap, 480 for six months full coverage on a 2017 Silverado and 2015 Lexus. Thank God my children are all in their thirties now.
Back in the 60s we called it the Water Winter Welfare Wonderland.
Seriously? Should the kid have some form of freedom and independence, or should they remain wholly reliant on others to get to and from their various activities?
I had to have a car at 16 because the city bus used to go past our house once every two hours, and the nearest stop was 3/4 mile away. There was NO bus service on Sunday. That made it somewhat difficult to get to and from work.
A vehicle is rather necessary for most folks who don't live right in the heart of a city.
“What you should’ve done is buy your daughter a good safe 15-year-old car without the need for full coverage. Liability only.”
I’d go with Liability. Put her in the cheaper of your cars. With a teenage daughter, their rates are not as bad as a teenage son, let me tell you!
A son, yea, did that 15-yr old car thing.
For me, I’d not be comfortable putting my daughter in a 15-yr old car. . .reliability and breakdowns, that sort of stuff. . .and you know the car will breakdown at night, bad part of town, etc.
Not gonna put my daughter in a well maintained 15-yr old car, you don’t know what sorts of checks have been written on the engine, transmission and such.
Just drive though dorm parking for males and see a lot of older, worn vehicles; drive through female dorm parking and you will see lot a lot of newer vehicles. I guess I’m not the only one that thinks the way I do.
Just my humble opinion.
Put her on the car you bought and not on the other two. Limit her
to the one. See how impacts coverage
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