My new reality

redneck grrrl

redneck grrrl

That girl
Joined
Mar 12, 2007
Location
Dudley Shoals, NC
and higher insurance bill.......

The best rule I have told him is to expect the other driver to do something stupid.....don't be the other driver.

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My insurance went up $150 a month for my daughter. The insurance company said I have too many vehicles that she can possibly drive (5). I tried to inform them there is no chance in hell she's driving my wife's new car, my work truck, my DD Jeep or the extra vehicle I already have for sale. They don't care:flipoff:
 
Ouch
 
GotWood said:
My insurance went up $150 a month for my daughter. The insurance company said I have too many vehicles that she can possibly drive (5). I tried to inform them there is no chance in hell she's driving my wife's new car, my work truck, my DD Jeep or the extra vehicle I already have for sale. They don't care:flipoff:
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This is when only having one vehicle and listing him as a part-time driver is helpful.
 
Congrats..and lots here understand the worry watching them drive away the first time.

I tld my son the following:
1- I know you are going to goof off. I did and you will. When you goof off do it in the country and away from crowds, cops and traffic.
2- Spin a tire, have fun, hit a mud hole, whatever. Keep the speed down. That's what will kill you. I took this a step further and made him do the math on how far you travel in 3 seconds and 60 mph. Then we ent and walked that off with a roller wheel on the road. I said that's how far you can screw up in 3 seconds. At at 80 it's 1/3 more.
3- When you break the law, and I know you will break the law - dont break the law.

So far so good.
He just bought his second vehicle last week. He now has a DD and a Offroad toy.
 
Had a friend with 5 girls when they started to learn to drive we got them a special car. A 72 Chevy station wagon demo derby painted turd brown. We got it legal with a 10 gal fuel cell ,lawn strap side windows. No power windows to break. No back end so to speak either,it just curled up,or back seat. Any speed over 50 it starts to shake. Drive it for a year with no problems an we upgrade your ride. It lasted to girl 3 when a dump truck took it out ,she walked away but the car was dead.
 
Talk about stressin out...lol I made a deal with my niece that if she waited till 17 to get license I'd give her 1k so she could get more experience! So far so good but she also started behind the wheel of a jeep at age 8 in callalantee so she's had some practice breaking d30 ujoints...
 
Halftrac said:
Had a friend with 5 girls when they started to learn to drive we got them a special car. A 72 Chevy station wagon demo derby painted turd brown. We got it legal with a 10 gal fuel cell ,lawn strap side windows. No power windows to break. No back end so to speak either,it just curled up,or back seat. Any speed over 50 it starts to shake. Drive it for a year with no problems an we upgrade your ride. It lasted to girl 3 when a dump truck took it out ,she walked away but the car was dead.
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My folks did something similar...said it wasn't a matter of if we wrecked, but when. So all our first rides were $1500 beaters, if we wanted more we had to pay for it. So far 4 out of the 5 of us were involved in an accident within the first 18 months of getting our license...and the 5th has only had hers for 9 months or so.
 
Speaking as an insurance agent...

1) If you have a vehicle on the policy that is LIABILITY ONLY. Tell your agent that is the vehicle they drive. Some agents are sticklers for putting people on whichever car's they actually drive, but in reality as long as they are listed on a vehicle on the policy they are insured for all the vehicles. As mentioned above, this does hurt you in several ways as you are then rated as if they have the ability to drive your other vehicles.

2) If you don't have an older vehicle with liability only insurance for them to drive, you are going to spend a lot more.

3) Ask about putting them on their own policy. This means that the vehicle is in the kids name only. It can be done, it is usually more expensive, but not all the time.

There are several options when it comes to young drivers, but the best thing to do is encourage safe driving habits, make sure they put the damn phone down, and pay attention.

Otherwise... Suck it up and embrace that for 3 years from the day they are licensed/insured for the first time they are considered a huge risk.

Congrats.
 
XJfreakHO said:
Speaking as an insurance agent...

1) If you have a vehicle on the policy that is LIABILITY ONLY. Tell your agent that is the vehicle they drive. Some agents are sticklers for putting people on whichever car's they actually drive, but in reality as long as they are listed on a vehicle on the policy they are insured for all the vehicles. As mentioned above, this does hurt you in several ways as you are then rated as if they have the ability to drive your other vehicles.

2) If you don't have an older vehicle with liability only insurance for them to drive, you are going to spend a lot more.

3) Ask about putting them on their own policy. This means that the vehicle is in the kids name only. It can be done, it is usually more expensive, but not all the time.

There are several options when it comes to young drivers, but the best thing to do is encourage safe driving habits, make sure they put the damn phone down, and pay attention.

Otherwise... Suck it up and embrace that for 3 years from the day they are licensed/insured for the first time they are considered a huge risk.

Congrats.
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Gotta ask...this always bugged me, and don't know anything about insurance. But I remember a hand full of times when I was pre-21, eating $150/month insurance bills...some of my friends saying their parents made them a 'secondary driver'...and they only paid 1/3-1/2 of what I did. Full of s#!t and mommy/daddy were supplementing...or a real thing???
 
Yep that poor car was involved in several accidents but as long as it started was legal they drove it. As for looks who cares it was painted with a roller. I still remember pulling the fender out to get it running. 1500 dollars would buy several of these bombers. Yep that was his thought as well, your going to be in a accident why by nice.
 
My parents gave me $500 to buy a vehicle. got a mighty max that didnt run for $300 and fixed it. Thing was a tank. Misjudged my timing at a stop sign and tore the back end off of a new corolla. Didnt even scratch my bumper, totaled his car.

My parents best advice to me was "do what you want, but if you get caught, we arent bailing you out." I never did anything on the road that I wasnt willing to pay for. Now off road or in the middle of nowhere was a different story.......
 
worked out easy for me. there were certain goals my son had to achieve in order to drive. needless to say i never had to insure him on any vehicle. (these were not unrealistic goals either.)
 
I was told my insurance would be paid for on whatever I could buy myself until I got in a wreck that was my fault or got a ticket.... I wrecked once but I was being stupid and I fixed it myself so they still payed insurance. They said they were cut me off when I turned 21, told me they never thought I'd make it that long. Same deal with my sister, she got a ticket a month after she got her license for passing a truck on a double yellow line trooper was watching her do it all


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I got lots of driving awards, and a few points on my license, but none ever on my insurance. There are so many ways to play the system it's ridiculous. Step 1 is to grow up before cell phones, and step 2 is to not run in to stuff.
 
GotWood said:
My insurance went up $150 a month for my daughter. The insurance company said I have too many vehicles that she can possibly drive (5). I tried to inform them there is no chance in hell she's driving my wife's new car, my work truck, my DD Jeep or the extra vehicle I already have for sale. They don't care:flipoff:
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Put all of those on a separate policy with another company then...
 
UTfball68 said:
Gotta ask...this always bugged me, and don't know anything about insurance. But I remember a hand full of times when I was pre-21, eating $150/month insurance bills...some of my friends saying their parents made them a 'secondary driver'...and they only paid 1/3-1/2 of what I did. Full of s#!t and mommy/daddy were supplementing...or a real thing???
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Its more of a smoke show. The cost goes up about the same but it doesn't attribute it to the young driver as much. If you only have 2 vehicles, and you and your wife are the primary and the kid is listed as an occasional driver... It will go up SLIGHTLY less. If you have 3 vehicles it makes us list the kid as a driver for one vehicle. There aren't many loop holes anymore. 10 years ago things were different.
 
Jake didn't much care if he drove or not,we (me specifically) made him learn to drive.He got his liscense w/o any trouble and the first time he rolled outta the driveway by his self I was sick at my stomach.Thats me bein a hypocrite I guess but I couldn't help it.I was raised in the country and was wild as hell and wreckless.Lots of times I could have been hurt bad or even killed but I managed to make it thru.I'm thankful Jake didn't get that from me.
 
XJfreakHO said:
Its more of a smoke show. The cost goes up about the same but it doesn't attribute it to the young driver as much. If you only have 2 vehicles, and you and your wife are the primary and the kid is listed as an occasional driver... It will go up SLIGHTLY less. If you have 3 vehicles it makes us list the kid as a driver for one vehicle. There aren't many loop holes anymore. 10 years ago things were different.
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So even if you own 4 cars - like a lot of us, maybe have a weekend toy and a project car - and the child bona fide only drives one of the other two normal DDs on occasion, and never those two extra - you still classify them as a primary on one? Even though that's not true? Seems like BS to me.

I mean, I can understand how one might assume that if there are 4 cars in a house and 3 people with licenses, one would assume that's 3 cars being driven as primary vehicles... but I'd think there should be some way to adjust for reality.
 
RatLabGuy said:
So even if you own 4 cars - like a lot of us, maybe have a weekend toy and a project car - and the child bona fide only drives one of the other two normal DDs on occasion, and never those two extra - you still classify them as a primary on one? Even though that's not true? Seems like BS to me.

I mean, I can understand how one might assume that if there are 4 cars in a house and 3 people with licenses, one would assume that's 3 cars being driven as primary vehicles... but I'd think there should be some way to adjust for reality.
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I classify the young driver as a primary on one of the lower value cars. Regardless of the story.
Vehicles in the computer are classed as Work or School, Pleasure, Business, Farm, Other...

If a couple has 4 cars. 2 newer cars with loans and full coverage, and 2 older cars/toys with liability only. I always list the older vehicles as the primary (Work), the newer vehicles as pleasure. It does make a difference on the price. As for young drivers. It is really tricky. Every case is different and I usually float them around the vehicles until I get the lowest possible price for the customer.

To answer your question though...

If you own 4 vehicles, and the child ONLY drives 1 of them... You're price still goes up on every vehicle on the policy because of the added statistical risk, but it goes up the most (by a percentage) on the vehicle the kid is listed as the driver on.

There arent tons of loopholes and ways around every little thing, but there are some, tons of discounts for teens, good student discount, etc... Mostly stuff that doesn't get asked/offered by most agencts because the higher the premium, the more commission they make... but realistically. If you have a policy with 2 brand new BMW's it is going to cost you much more to add that kid than if you have 2 Brand new BMW's and a 87 Chevy Truck. Lol.

I can't speak for every company though. Only Allstate.
 
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If I weren't an honest person I would drop my kid and wife from my insurance.

I've never understood why I need to insure and pay for them to be covered in my vehicles. If my BFF borrows my car and wrecks it my insurance covers it and he wasn't listed as a driver. The car is insured not the driver.

I'm sure my logic is flawed but that's how it seems to me.
 
GotWood said:
If I weren't an honest person I would drop my kid and wife from my insurance.

I've never understood why I need to insure and pay for them to be covered in my vehicles. If my BFF borrows my car and wrecks it my insurance covers it and he wasn't listed as a driver. The car is insured not the driver.

I'm sure my logic is flawed but that's how it seems to me.
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That is only true for collision/comprehensive. Liability is for the person, not the car.
By law, if you have a license (and drive), you HAVE to have liability insurance. Driving without insurance is a major penalty.
Otherwise, what would happen when your kid that you dropped caused an accident and hurt somebody? The only recourse is for the victim to sue you (or your kid) directly. You'd go bankrupt and the victim would eat a ton of lawyer fees, lots of wasted time, possibly never get any $$ etc.
There are states where personal liability for driving isn't required, but IMO that is a terrible idea. TN is one IIRC. Really risky for everybody.
 
1-tonmudder said:
Jake didn't much care if he drove or not,we (me specifically) made him learn to drive.He got his liscense w/o any trouble and the first time he rolled outta the driveway by his self I was sick at my stomach.Thats me bein a hypocrite I guess but I couldn't help it.I was raised in the country and was wild as hell and wreckless.Lots of times I could have been hurt bad or even killed but I managed to make it thru.I'm thankful Jake didn't get that from me.
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You and I and our son's are so alike its scary..

Except mine wanted to drive.
 
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