Oh so I am asking for anyone who’s had luck with carriers and their new driver. Thank you
Insurance companies base their rates on the assumption that
the highest risk driver is driving the highest value vehicle.
Do NOT move to Michigan, for a start.
Welcome to the life of a teen-age driver parent! All that I can recommend is to shop around and consider a high deductible. As the dad of 7 grown kids, you sure bring back memories!
I have Wawanesa. They had the best rates. But they are very picky about who they insure. Better not have any strikes.
They all suck. Commercials about great rates but zero service. Try filing a claim. It’s like pulling teeth.
You must live in the Atlanta cesspool area. If not, my apologies.
From experience, one recommendation that I can offer is to have her covered on only 1 car. Exclude her on all of the others. That’s what I did years ago.
Should have purchased an older vehicle and just carried liability. That’s what I did and it saved me lots of money on insurance.
Time to switch carriers immediately!
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Not so fast Sporto. It looks like you made a mistake by buying your daughter an expensive car that requires full coverage insurance. If you can afford to do that, you can afford the insurance hit. Don’t complain.
What you should’ve done is buy your daughter a good safe 15-year-old car without the need for full coverage. Liability only.
The second thing you need to do is remember that if you do jump ship and get another insurance policy, you will get a better quote and a better rate, but for six months only.
After that, your premiums will jump skyhigh to about what they are now. Trust me, all insurance companies love to get new business by discounting the first six months premium lower than what you’ve been paying. After six months. They go up. They all go up. Regardless of whether you file a claim or not.
Emancipate her and go with the minimum. Title the vehicle in her name.
We use Auto Owner’s. We added my son at 16. We added a 1997 Jeep Wrangler when he was 15 1/2. That car was for him.
Our rate on that car went up $800 a year.
We are in Ohio.
Son got good grade discount.
We own 6 cars with 3 drivers.
Our Homeowners policy is with a different insurer.
If you have an expensive car that the teen is NEVER going to drive, some insurance companies will let you exclude him/her from that vehicle. That could help with the premium. Just pray they don’t pull a Ferris Bueller.
Why would a 16 year old even need her own car ?
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I have always used Nationwide. A little higher but their Claim service and customer service has been good to me.
The rates will be lower.
I doubt a woke insurance company would say no.
Hire Uber
Georgia is expensive for auto insurance. Lots of lawsuits. Rural Wisconsin is EXCELLENT for insurance.
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.