Best insurance carriers for family with new teen driver

Esurance | 1/21/2021 | Michael Thiede

[TermLimits4All]

In GA they get learners permit at 15. I’ve had her drive my truck a little over 12k miles. She’s even driven all the way through to Orlando, Indianapolis and Savannah. She is a very alert, safe driver. Even her drivers instructors, they have to go through a class and have a minimum of 6 hours behind the wheel, stated it’s apparent she’s had a ton of experience on the road.

We’ve already purchased her vehicle so that’s what she’ll be driving. I’ll be looking at raising the deductibles on the cars to see what that does.

We do have a friend who has a State Farm agency but they’ve always been higher for insurance for whatever reason. We have zero claims on our reports. Knock on wood.

[Hulka]

Meant for Termlimits, and info’d Responsibility (polite thing to do, not trying to start a spat or disagreement). Please see Post 39.

[Professional Engineer]

Here’s the advice my agent of 20+ years gave me. Start a new policy online with another company, he suggested progressive. Insure the kid as well as my wife and I and the one vehicle the kid will drive. Keep the rest of our vehicles on our existing policy, and I had to do an exclusion so kid was not covered to drive any of the others.

That kept my rates from exploding.

[frank ballenger]

We are looking to escape the “Pure Michigan Gulag”.

Need some guys with us. Lee Marvin, Telly Savalas, Chuck Norris, Mr.T, Darren McGavin....newly paroled explosives expert, expert veteran sniper, stunt pilot, martial arts master, Las Vegas illusionist, computer genius, Fast and Furious getaway drivers....and some FReepers.

Out of Michigan and don't look back.

[Qwackertoo]

Buy your kid that new of a vehicle then you have to pay the piper. Sorry. Bought mine a vehicle that was reliable enough to go to dance, school, etc. but not several hundred mile trips to beach or wherever wherever. It was strictly a stay in our county closer to home vehicle. Reliable enough to get from Point A to Point B and back again. Anything over that was overkill on a teenager + insurance + cost of vehicle. Sure, we could have afforded more but chose not to.

Did two kids on an older vehicle. Luckily 3 years apart so same vehicle both kids and bought each a new one AFTER their freshman year in college after they’ve proven themselves not to party it away.

23 and 26 now and paying their own.

[Clay Moore]

Don’t insure her in all of your vehicles, only the one she is driving. The older/cheaper hers is, the better the rate. You might also consider not carrying full on hers if you can walk away from it if she has an accident that is her fault. Determine when the added premium equals the cost of the car.

[Hulka]

I’m thinking most places don’t have school buses to/from high school these days, at least in my school district they don’t.

[Hulka]

We both advocate USAA for the best rates and service. . .

[TermLimits4All]

They do have school buses here. My daughters thinking: “Dad, I think I’m going to still take the bus because there’s always an accident in the school parking lot at least once a week.” She’s a good kid and smart to boot. Wonder if she even realized that she’ll be saving gas by not driving to school.

[TermLimits4All]

I haven’t checked USAA for auto, I’ll have to do that.

[kiryandil]

My Farmers agent was ripping me off, but I couldn't leave because "house insurance".

Now that I don't have that, I was able to go to AAA.

[Qwackertoo]

We are State Farm too, next door to GA.

Take copies of her most recent grades, you’ll need to do that yearly, even thru college to keep getting the discount for Good Grades.

Also State Farm had a program where you kept a little log for so many hours, you and the young driver for an additional Safe Driver discount.

+ Driver’s Ed discount.

You could also try putting her on the vehicle, or switching the vehicle with the “most years” of discount to the policy. Usually that is 10 years max . . . whether she was driver or not . . . transfer it from vehicle to vehicle as you buy new ones and NOT start all over each time. Adds up a little bit. Which is why it pays not to switch around. Also we had husbands 2 life policies + the house. Now that the kids have graduated college and such we let the 10 & 20 year policies go on his birthday last year as the 20 year one finally was up.

Seems high unless you are in the metroplex of Hotlanta. :)

[Hulka]

Smart girl. Be proud of her.

[Clay Moore]

“We both advocate USAA for the best rates and service”

I’m glad you have had good luck with them because lately they have been awful trying to settle auto claims.

It took me 3 months before they quit calling me a liar and actually looked at the dashcam video I sent them about day 1.

Maybe they should have spent some of the $50 million they gave to BLM and spent it on an email system that could accept a 2 minute video or at least a moment of training for the claims reps to be able to say “it didn’t come through,” or “we are too lazy to look at it.”

[kiryandil]

The Michigan Mean Girls:

Wretched wHitler, Nazi Nessel and Josey "Commie Barbie" Benson.

Soros' operation slid them in with vote fraud in 2018 [I have the receipts], and @onedumbnerd [RickyRick Snyder] didn't challenge the stolen election.

The Mean Girls let RickyRick embarrass himself fawning over Jao Xiden and the CGWhore, strung him along till he couldn't urge the Michigan Republicans to appoint Trump electors, then lowered the boom on the idjit a couple of days after the stolen electoral votes were safely in the bag.

The Democrap bagman for the Flint operation [who arranged the bad deal] isn't going to jail - he just got appointed as a finance bigwig in Wretched's administration...    

[Vermont Lt]

I don’t have them, but both my kids are with USAA. They do nothing but rave about them.

[devere]

You can try formally excluding your daughter from ever driving the Silverado and Traverse, in which case the rates for those cars should go back down. But it’s a bad idea to lie about the exclusion.

[Bartholomew Roberts]

We used to use State Farm but their billing practices are terrible. They couldn’t give us a single bill for all our vehicles together. We would get constant bills. If we paid every six months, with six cars, it got crazy with constant bills.

I own a number of rental properties with their own sets of bills. Twelve State Farm bills on top of that was a game stopper.

[colorado tanker]

I've had USAA for 40+ years. We survived four teen drivers.

If you're eligible, it's the best insurance out there.

[alternatives?]

I bought old, mid-size SUVs in the $3,000-$5,000 range for my kids so no deductibles. They are now all above 22 so it has worked out.