wnaplay1647545503 Posted September 21, 2011 Report Share Posted September 21, 2011 My insurance just raised nearly $2k a year by adding my son as a driver. Who have others used with decent rates? Thanks Quote Link to comment Share on other sites More sharing options...
Rhett Posted September 21, 2011 Report Share Posted September 21, 2011 Jesus... thats more than full coverage for me on my Mustang was at 19. I was with All State. Quote Link to comment Share on other sites More sharing options...
wnaplay1647545503 Posted September 21, 2011 Author Report Share Posted September 21, 2011 $200+ was just adding the car and nothing to do with him, adding him was almost $700. If I only had the 2 cars he would be listed as an occasional driver on our cars but the 3rd car makes him a primary driver. Nationwide doesnt associate a person with a specific car so I cant even put him on just his moms minivan which would be a better rate than the audi which he would drive. Progressive quoted us online and it was only $600+ per year for the car and him but I dont know how accurate their online rate quote is. Quote Link to comment Share on other sites More sharing options...
Not Brian Posted September 21, 2011 Report Share Posted September 21, 2011 Thanks for the reminder to pull out Quote Link to comment Share on other sites More sharing options...
Rhett Posted September 21, 2011 Report Share Posted September 21, 2011 Oh, I am an idiot. For some reason I read it as his insurance would be $2000 a year. If its only $700 more a year that is about what I paid when I was his age on my Del Sol Quote Link to comment Share on other sites More sharing options...
SRTurbo04 Posted September 21, 2011 Report Share Posted September 21, 2011 My moms agree ment is if I want to drive she would help with a car but I pay for the insurance....tell him to get a job part time to pay for his insurance gas and phone... only thing a teen needs $ for Quote Link to comment Share on other sites More sharing options...
KennyFKINPowerz Posted September 21, 2011 Report Share Posted September 21, 2011 Im glad my oldest has bad grades and is not getting his license . I am screwed in a few years though. There are four more in line. I'm making them all work and pay for their shit . Quote Link to comment Share on other sites More sharing options...
Nickey4271647545519 Posted September 21, 2011 Report Share Posted September 21, 2011 Thats not to horrible I suppose. Our insurance went up $1200 a year once myself and the S10 was added, and that was for full coverage. Quote Link to comment Share on other sites More sharing options...
wnaplay1647545503 Posted September 21, 2011 Author Report Share Posted September 21, 2011 Hes having to pay for insurance and gas but I am stil obligated to get as low a rate as possible. No sense in making him overpay because I was to lazy to shop around. Quote Link to comment Share on other sites More sharing options...
mjrsplat Posted September 22, 2011 Report Share Posted September 22, 2011 Check state farm? the way mine was set up as a teenager MY car was my primary. Quote Link to comment Share on other sites More sharing options...
Radio Flyer1647545514 Posted September 22, 2011 Report Share Posted September 22, 2011 (edited) I was paying $120 a month for insurance when I was 16. Cheapest I ever heard of from one of my friends back then was $83 with a good student discount on. I had Farmers. I would think Progressive is going to end up being the cheapest. Edited September 22, 2011 by Radio Flyer Quote Link to comment Share on other sites More sharing options...
87GT Posted September 22, 2011 Report Share Posted September 22, 2011 State auto / Safeco. I've had them since I was 16. I work for Nationwide and Safeco is still cheaper. Claims have been easy and quick to resolve. http://www.mccaffreyinsurance.com/Contact.html Quote Link to comment Share on other sites More sharing options...
blue98ls1 Posted September 22, 2011 Report Share Posted September 22, 2011 Try GMAC. When I was 16 and got my license in NY they where by far the cheapest. Then when I became and adult and had so many tickets on my record Anthony and I couldn't get car insurance together without it being crazy expensive, they once again came through with a really good rate and we got full coverage on all of the cars for less than Allstate/Progressive would do with just Liability on a couple of them. Quote Link to comment Share on other sites More sharing options...
Drewhop Posted September 22, 2011 Report Share Posted September 22, 2011 Hes having to pay for insurance and gas but I am stil obligated to get as low a rate as possible. No sense in making him overpay because I was to lazy to shop around. I get a few quotes from different agents. Then I make the agents compete for my business. Competition is a beautiful thing. Quote Link to comment Share on other sites More sharing options...
evan9381 Posted September 22, 2011 Report Share Posted September 22, 2011 Rich Courter, state farm, 614-856-2600, speak to Alyssa, tell her Evan Wyant referred you...office is in blacklick on taylor rd, across from jess howard electric... you can stop by too...i always do without calling and theyre always helpful Quote Link to comment Share on other sites More sharing options...
Flyin Miata Posted September 22, 2011 Report Share Posted September 22, 2011 $200+ was just adding the car and nothing to do with him, adding him was almost $700. If I only had the 2 cars he would be listed as an occasional driver on our cars but the 3rd car makes him a primary driver. Nationwide doesnt associate a person with a specific car so I cant even put him on just his moms minivan which would be a better rate than the audi which he would drive. Progressive quoted us online and it was only $600+ per year for the car and him but I dont know how accurate their online rate quote is. The online quote generally has to be accurate since you can buy the entire policy online without ever talking to someone. The only time I've ever seen the quote change after it was purchased is if we can't get an accurate driving record ordered for the driver during the quote process (if he has no tickets or accidents then this isn't an issue). Keep in mind, any company you do a quote through is going to throw in some one-time only discounts that fall off after the first term. In theory you could switch companies every 6 months and probably save a lot, but it's not worth the hassle. Progressive seems pretty competitive for younger drivers. I'm 23 and my policy with the Speed3 at full coverage and the old Miata at liability is under $500 per 6 months, with a speeding ticket. I did quotes through other companies and most were over $1,000 per 6 months, I think one company even wanted over $2,000. Double check your quote though, I'm betting it was $600 for 6 months, not for a full year. Quote Link to comment Share on other sites More sharing options...
RS69 Posted September 23, 2011 Report Share Posted September 23, 2011 (edited) My oldest turns 13 next month. I am not looking foward of this when it is my turn. Edited September 23, 2011 by RS69 Quote Link to comment Share on other sites More sharing options...
MackDaddy43 Posted September 23, 2011 Report Share Posted September 23, 2011 We use Dressel And Evans from Grandview to get insurance. He will find the best rate for you. Insurance for me was $100 a month for my audi at 16. That was me covered on all of our cars too. ('05 focus & '05 escalade). Didn't seem that bad, but I had a decent job at 16. Tell Jim I sent you, and he should take good care of you. http://www.dresselevans.com/insurance/ Quote Link to comment Share on other sites More sharing options...
3.1cutlass Posted September 23, 2011 Report Share Posted September 23, 2011 State Farm, get the good student discount and do the steer clear thing and save quite a bit of $$$. Quote Link to comment Share on other sites More sharing options...
AJ Posted September 23, 2011 Report Share Posted September 23, 2011 My moms agree ment is if I want to drive she would help with a car but I pay for the insurance....tell him to get a job part time to pay for his insurance gas and phone... only thing a teen needs $ for and condoms Quote Link to comment Share on other sites More sharing options...
Buck531 Posted September 23, 2011 Report Share Posted September 23, 2011 I just switched to Hanover Insurance with Dorsey Conley (previously with Grange). Adding The 92 Buick by itself was $16 a month. Adding Chris (even though he's 18 and has a 3.2 GPA) added $100 a month. So he'll be paying $115 for liability only on the car. Quote Link to comment Share on other sites More sharing options...
Got-Boost? Posted September 23, 2011 Report Share Posted September 23, 2011 If you qualify USAA... Quote Link to comment Share on other sites More sharing options...
TheBussman1647545507 Posted September 23, 2011 Report Share Posted September 23, 2011 I used to pay $45/month at 16 for the MR2, on my parents policy with grange, I pretty much had every discount possible, paid per year too. Now I pay that for the corolla and MR2 on my policy with progressive. Now if I could just get this damn WRX insurance figured out. Quote Link to comment Share on other sites More sharing options...
RadDawg Posted September 23, 2011 Report Share Posted September 23, 2011 Mine went up "only" $900.00/year with Grange. He's primary on the F-150, but is covered for the Corvette. Like that's ever going to happen! Quote Link to comment Share on other sites More sharing options...
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