Home Forums Hunting & Shooting Hunter's Campfire Teenager Insurance Question

I have been insured by USAA for over 25 years. I recently purchased my 17 year old daughter a new Kia Forte with every safety feature known to mankind.

Our insurance prior to adding the new car and my daughter was 167 per month for my 2011 Ford Truck and our 2014 Pathfinder. Our new premium is now about 450 a month.

Has anyone found a good, reputable company to deal
with when it comes to adding a teen driver?

What are the best strategies for saving some money or best companies to get a quote from?



Thanks,

Dan

I don't think there is any way around taking it up the pooper...dry.

Farm Bureau.

Get her off of your policy and let her get her own.

That helped my situation some years back. Today ??

Your first mistake was adding her to your policy, you don’t have to. Any driver that lives in your home is covered, any driver you give permission to drive is also covered if they do not live in your home and do not have insurance, under your policy. My daughter has been driving for 6 years, rates never changed. They still don’t know. It’s why they always ask if you’d like to add a driver to the policy, don’t do it.

If they get in an accident, they’ll be covered but rates will change.

btdt. i use an independent broker. with 3 teenagers and 5 vehicles, i have paid out the ass over the years. 450 sounds ridiculous though. mine was around 300/mo at its highest. and that was with one of my teenage sons as primary driver on a new f250.

My USAA went up by 2k when my 1st son started driving and that was a 4 cylinder 1995 Jeep/liability only. When my 2nd son started driving it went up another 2k for another 4 cylinder 1994 Jeep/liability only. When my 1st turned 19, i made him get his own insurance and USAA dropped my premiums by $500 with no accidents or claims. Insurance is a racket and since USAA opened to everyone, they are just another company.

It's been a good many years ago but when our daughters first started driving I asked our insurance company how much our rates would increase with them on it. Their reply was, " the industry standard (at that time) for drivers below a certain age (25 yo, I believe) the rate was 1.4 times the adult rate for females and for males was 1.8 times the adult rate".

You need to insure under your wife or you and put her on as a rider! She be covered on all of your vehicles. My daughter is 21 fixing to finish college I have been carrying her since she was 16.

No

My son’s liability was as much as full coverage for me and wifey.

It is a fact of life when teens are driving.

We went thru 2 and is was a shock at first.

Another thing most insurance companies require anyone that lives in your house and has a separate policy to have the same liability limits especially if you carry an umbrella policy.

And yeah teenage driver with less than three years driving?

That's a no lube anal situation.

It’s expensive, you need to keep her on your policy while you are financially responsible for her. In other words if she’s in a accident and gets sued it’s your nickel. When my son was on my policy I kept a million dollar umbrella policy on top of the auto. That liability continues until they are on their own, not when they hit 18.

Just ask your agent . If they won’t communicate then you need a new agent

I add cars to my policy. Not people.

What about the Ruckus, Travis? Full coverage I hope

It kinda seems reasonable considering she’s a new driver ? Plus you added coverage in that POS Kia!

25 years old and it might drop.

Go to an independent agency that can shop various carriers. Still won’t be cheap, but you should find a better rate.