? about teens driving and insurance
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| Mon, 04-23-2007 - 6:42pm |
Hi. I have a question about auto insurance and teen drivers. My dd got her driver's license a couple of weeks ago. The day after she got her license, I called my insurance agent and told him to add her as a part-time driver to my car. My husband's car is a company car so she can't drive it.
Wouldn't you know, someone told me a couple of days after I called the agent, that if you have more drivers than vehicles in your household, you don't need to add your teen driver. Does anyone know if this is correct? If this is true, I could kick myself, because my insurance really skyrocketed. I was also told that if you have the same number of drivers as cars, or more cars than drivers than you need to add your teen. Please let me know if this is correct or not. Thanks so much!
P.S. If the above is correct...then I hope this info helps any parents out there whose teen is about to get their license.

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I have never heard this and it sounds too good to be true
I know that you cannot remove your child from your insurance when he goes to college because he still may come home on weekends-I think there is an exception if he is >200 miles away. Anyway, that type of rule makes me think no way can this be correct
I'm not sure, but I think it depends on what state you live in. I asked a couple of friends (who live in other states) about this, and that was their opinion too.
I do know that if you have a vehicle that your dd / ds primarily drives, you should still list yourself as the primary driver and your teen as a secondary driver. Otherwise, the costs skyrocket.
I am dealing with the heart-stoppingly high insurance rates because my son's dad bought him a new car. While the rationale was good (a new car is less likely to break down), the deal was that he would pay for the car and I would pay for the insurance. The insurance right now is around $3400 a year.... Living homeless on a park bench seems to be more and more imminent as we also start looking at college expenses! :)
I think someone has found a way to justify "cheating" on car insurance, lol. I have never heard of being able to hide who drives your car just because of how many cars you own. We found that it was much cheaper to buy my dd a used car and list her as primary driver than to add her to my car. The insurance on her car, with a discount for good grades and no tickets is only $825 per year.
Robin
I work in at an insurance agency in PA. In this state, you have to add any drivers living in your household, that includes teens. Not disclosing a driver can lead to cancellation of the policy if they find out. It has nothing to do with the number of vehicles you have. If you have more vehicles than drivers, you can put your teen on as occasional driver. But they must be on the policy and yes, the premium is through the roof. I have a 19 dd and when we put her on at 17 our insurance more than doubled. There are just 3 of us, dh myself and dd and we have 2 vehicles.
Andie
I am a lawyer in MA specializing in car accidents. It has nothing to do w/ the amount of vehicles vs. the number of drivers in the house. Every person in the household who drives the car has to be listed on the insurance as soon as they get their license, although kids can be listed as occasional drivers. If you get in an accident, the ins. co. will still pay liability (damage to the other person), but won't pay for the damage to your own car and there could be other problems as well.
When we added DD to our policy, it cost an extra $1000, but when she got her own car (and so couldn't be an occasional driver), her policy cost $2500. Through changing ins. cos. to one where we got a 5% discount for being a AAA member, plus she got the low mileage discount, now it's down to $2000, which she has to pay for herself, since we are mean parents.
Could be...we are in MI. We have been with State Farm for more than 20 years and we have multiple policies discounts also.
Robin
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