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

Many insurance carriers subscribe to a service offered by Lexis Nexis (sp?) and possibly other vendors, that monitor newly licensed drivers in households and the carrier then questions the named insured to determine whether there is an undisclosed driver. I would strongly suggest letting the carrier know if there is a licensed driver that needs to be added to the policy.

Does the child qualify for good student discounts? They can knock off about 20-25% of the premium. Most require a B average to get the discount.

There are three vehicles and three licensed drivers in your house hold.. The driver has to be listed on one of the vehicles. Doesn’t need to necessarily be the newest, most expensive vehicles however.

Talk to the agent and see what suggestions for they can provide.

An independent agent can shop the market for the best combination of coverage and cost. But my experience is that USAA is tough to beat, value wise.

Complete bullshit.

You give a 17 year old a new car and think things would stay the same? Insuring kids to drive costs big bucks.
Depending on your state, she has to be added as she has access to any vehicle in your fleet. The thing to do is rate her on YOUR truck. If you listed her on as the primary driver of the Kia, you're gonna pay.
I had a beater Camry for flogging on a 80 mile temporary commute. I rated my kids on that and saved a ton of money on insurance.

Not bullshit , my reply was based on many years in the insurance industry.

This is a very bad idea. First just being a liar is not the way to live your life. Second, many states made it legal for then to flat out deny coverage if you did not disclose a person living with you.

The old rule of thumb is to rate the highest rated driver (teens) for the highest rated vehicles on a family policy. Believe it or not, and many will refuse to, insurance companies lose money insuring young drivers, especially on family auto policies. They take them as an accommodation to keep the rest of the client's business.

People often try to hide young drivers on their insurance and don't tell the truth on applications or questions from the companies. When they do, the company can refuse coverage and cancel policies immediately. Be careful.

Also, I hate insurance companies, especially several of the ones I did work for.

. Mine too.

And JimR is absolutely correct. And sand Billy is one of the [bleep] who cause high rates for the rest of us.

Lol, you take that [bleep]. Not me

How’s that? No accidents, ever. You stupid bitch. Lol

$2k/year.

Well we all learned that sand bully will lie to save a buck. I know whether i will ever trust him or sell to him. Rest of you make up your own minds

Lol what a piece of schit

Lmao.

Whaaa!

LOL

Don’t stroke out, bro

First...they have to spend on lexis nexus to guard against lying schit bags. They also end up in court arguing against schit bags who cause a fight after their lies are exposed. They also end up paying for stuff undisclosed drivers do in some cases.

Again thanks for letting us know who you really are.

Goodnight schit bag.

I’m all outta Twinkie’s, dipshit. Lmao

As a former claims adjuster let me tell you what drives prices up, you ignorant [bleep]. It’s bitch made pricks that claim fake injuries. So, [bleep] you, I haven’t driven [bleep] up with a driver that hasn’t even ever had a ticket. Stupid azzwhole. Lmao

Holy Schidt!

I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance.