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.
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. :)
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.