Recommendations for auto insurance for your teenage driver

[Patrick303]

Hi all,

So today is my son's 17th birthday. He'll be getting his drivers license in about 2 months. We helped him buy a car last week so today I called my insurance company (Allstate) and added it to our policy with liability coverage. It was a reasonable $220/year addition to our premium.

However when I asked for a quote on adding him as a licensed driver of his car, my agent said they have to write it as a household policy insuring him on all our vehicles for a premium increase of $3780/year!!!

Can anyone recommend a different insurance provider that will either write him a good rate on his own policy or maybe that we could switch over to and they would insure him on only his own vehicle?

Thanks!!

[twin fed]

Take him off your cars and have him as the sole operator of his car and that should bring it down substantially. He won't be allowed to drive your cars though.

[bimmerfrk]

Geico cheapest around unless you can get USAA

And this is true if he lives in the house and is family he has to be on all the cars. Its the same in NY and in PA

[Delta0311]

USAA is the way to go.. I'm in NJ and I can also get NJ Manufacturers through my job, they are very good also.

[Sara]

I have USAA. Had it since I was 16. Use them

[Delta0311]

Originally Posted by Sara504

I have USAA. Had it since I was 16. Use them

How did you get it? Daddy hitched you off to some Private via a shotgun wedding?

[UncleWede]

Ask about an exclusion on your other vehicles. I had to do that with both my older boys after their accidents in the cars we bought for them. And I NEVER even let them move the car in the driveway once they were excluded. Agent told me once they got their own cars/insurance, if I let them drive I would have to go to their insurance to make a claim.
Sister-in-law who lived with us had to be excluded too until she moved out.

[Sara]

Originally Posted by Delta0311

How did you get it? Daddy hitched you off to some Private via a shotgun wedding?

That's classified information

[jmmoore3]

He should be the rated driver on his car only. With a household policy he should be able to drive any car and have coverage but only rated as a primary on one vehicle. That's a sham if they are rating him on every single car in the household. The insurance for the car he is rated on will be expensive just due to age but that doesn't carryover to other household vehicles.

I train insurance agents if that gives my comment any credibility.

[Pheonix]

Originally Posted by jmmoore3

He should be the rated driver on his car only. With a household policy he should be able to drive any car and have coverage but only rated as a primary on one vehicle. That's a sham if they are rating him on every single car in the household. The insurance for the car he is rated on will be expensive just due to age but that doesn't carryover to other household vehicles.

I train insurance agents if that gives my comment any credibility.

The law and regulations are greatly different from state to state so what you have in your state might not be applicable to the OP's state.
Couple years ago, i had my motorcycle stored at a buddy's place and i had to provide his driver license to show that he doesn't operate motorcycle. Otherwise they would jack up my premium.
To the OP, you probably better off contacting the local insurance brokers since they deal with multiple insurance companies.

[bbbbmw]

That $3,780 price sounds right to me, and I have USAA. In my state you list each driver on a car as "primary," but it does very little to drop the cost of insurance. I'd def go with the $220/mo and insure only his car - I'm surprise you can do that. Now if he sneaks out in your car and has a wreck, you may have some substantial, personal, uninsured liability.

[jmmoore3]

Originally Posted by Pheonix

The law and regulations are greatly different from state to state so what you have in your state might not be applicable to the OP's state.
Couple years ago, i had my motorcycle stored at a buddy's place and i had to provide his driver license to show that he doesn't operate motorcycle. Otherwise they would jack up my premium.
To the OP, you probably better off contacting the local insurance brokers since they deal with multiple insurance companies.

Truth each states DOI sets there own rules. Do we know what state OP is in? I'm on mobile so no profiles shown.

[mojobmw_e90]

What my parents did with my brother (24yr)full time college student, they added him on my father cars Toyota sienna and have him listed as a driver on that car not the bmw, but since he is listed on the policy he can technically drive any car on the policy

[passing]

rate it online. you will save around 10-15% just on commission alone.

also, you don't need to exclude him. write him on his own policy. as long as he has permission to drive your other vehicles, he is covered. insurance follows the car, not the driver.

[Patrick303]

Thanks for all the advice. I live in Colorado and I'm really hoping what my agent told me isn't a CO law. It seems like a huge ripoff to force me to insure my son on all vehicles when he'll only be driving his own car.

When I called my agent I actually spoke with his office assistant, so hopefully she is misinformed. She asked me to call back when my son is a couple weeks out from getting his license and she'll see if they can make adjustments to make it more affordable, but if she means lowering my coverage limits and raising deductibles I won't agree to that.

[upstatedoc]

Originally Posted by passing

rate it online. you will save around 10-15% just on commission alone.

also, you don't need to exclude him. write him on his own policy. as long as he has permission to drive your other vehicles, he is covered. insurance follows the car, not the driver.

Whoa dude where you been?

Not in banned camp I hope.

[John 070]

Did you deal with an agent, or 800# and/or online?

I thought agents were useless, all they ever try to do is to get you to overinsure, buy whole life, ask you to hand over your personal IRAs, blah blah blah.

Until I actually called one. He got me a lower premium with an accident (da** with a BMW loaner thank goodness), than the lizard charged me with a clean record. You don't say.

Now that the accident fell off (2 1/2 yrs ago it came off) the premium was even lower.

last time I called because I was perturbed the rates went up again and our 3 cars got older, he took another 9% off, like he was pulling it out of his ***. Yes it's the place with the hands.

[John 070]

Originally Posted by twin fed

He won't be allowed to drive your cars though.

That isn't true, you can loan a car to your friend and they are covered.

What I have seen done is to say that Jimmy Blow*** drives the 1981 Accent 90% of the time, and Mary Blow*** drives the 2017 S63 AMG 90% of the time, and Johnny Blow*** drives the 2016 M6 40% of the time. It doesn't even add up, but the agent assigns the riskiest driver to the lousiest car.

Basically, Johnny and Mary are ****** each other and primarily driving the two fancy cars, and Jimmy is ****** in school and driving the pos.

The key: the lousiest driver is primarily operating a vehicle without collision, liability and comp are ok

[passing]

Originally Posted by upstatedoc

Whoa dude where you been?

Not in banned camp I hope.

bah. one time in banned camp. long time lurker, second time poster.

namsayyyyyyyyynnnnnnnnn??????


how you been brah???????

[SoDiezl350]

Check out wawanesa for affordable rates. I'd just insure him on a separate discount policy.