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Gov hush money

I know your pain all too well. I had 4 teenage drivers at one time. Wait till one gets a ticket and see how much it jumps

I never had car insurance until 1973. By this time I had been driving for eight years. Things was different then.
In 1973, liability insurance was 67 dollars for the year. Roughly two days pay. Today, the same coverage is about 600 dollars; maybe three days pay for someone doing the same sort of work I was doing then. Overall, a bit of an increase on the part of the insurance companies, but not totally unjustified. In 1973, a busted headlight was about three bucks; today, you can figure on as least 350. My son hit a deer with his 2008 Dodge pickup and the repair bill was $12,000.00. I hit one with a 2005 Hyundai and it cost $8,000. The same incidents twenty years earlier would have cost in the hundreds. Car manufacturers are driving up costs a lot.
The sheer number of drivers on the roads (with a significant portion being idiots) has to have had a huge effect, on both sides of the ledger. I have always felt that those of us who live and drive in the country are subsidizing the urban drivers but, on a per capita basis, probably not. The city driver seldom has their car kicked in by a horse or jumped on by an elk. We have had both! GD

NC requires the person with a license to be listed on an insurance policy so when the kid gets his license the kid has to be named somewhere. ,so no license if not named on a policy, you can actually get the kid thier on separate policy but that usually costs even more.

Car insurance premiums for young drivers (as well as older, more experienced) can vary a good bit depending on specific model of vehicle. Often it may only be something as simple as a manufacturer's sub model denotation like XRT, ZTR, etc., etc.

Found that out when shopping for oldest daughter's first car...

Also, sporadic, spontaneous premium increases are not uncommon either, based on theft statistics of certain vehicles within a given region of coverage, regardless whether a customer has made any past claims or not.

Experienced this before, too.

Per insurance company's letter, the thefts of Toyota pickups within a span of certain model years, in my coverage region (which covered all/portions of several states, some with large cities), had increased substantially due to interchangeability of many parts in those model years which makes them highly desirable on the illegal parts 'Black' market.

He’s got a 4cyl Jeep I highly doubt it can reach 60mph