I skimmed through all the posts expecting someone to mention this. If you have a low-value car, the newest driver should be listed as the primary driver on that car. The new driver can still drive any of the cars in the household. This will help a little with the rate.my agent and I played around with who was listed as primary driver on each car to get the best rate possible.
We did not notice any change when DS20 turned 18.I think so. I think there was a small drop in price when DS turned 18 and an even bigger drop when he turned 21.
So, just wondering if your kids wait until 18 to get licenses, is the insurance lower? At this time, our 16.5 year old son could technically have his license already, but we are waiting due to general immaturity (he is autistic ). In our state, if you wait until 17.5 to get a permit, you can have anyone teach you to drive, rather than requiring a certified driver training school (my son will do better learning from me than a stranger). I'm just wondering how insurance rates will be at that point.
I think some companies don’t allow this. Regardless my daughter’s car is worth twice what mine is but I list her as the primary driver of her car because that’s the car she actually drives.I skimmed through all the posts expecting someone to mention this. If you have a low-value car, the newest driver should be listed as the primary driver on that car. The new driver can still drive any of the cars in the household. This will help a little with the rate.
I think some companies don’t allow this. Regardless my daughter’s car is worth twice what mine is but I list her as the primary driver of her car because that’s the car she actually drives.
Anyone from Texas on here that knows about the new "non-specified" driver insurance rules? Something about insurers no longer allowed to specify who can drive the car, and that the car is what is insured and not any specific driver within your household.
So, just wondering if your kids wait until 18 to get licenses, is the insurance lower? At this time, our 16.5 year old son could technically have his license already, but we are waiting due to general immaturity (he is autistic )
I have two young male drivers (17 and just turned 20). We have four drivers total, three cars (newest is 2015) with full coverage and we pay over $600 a month. And that’s with the “good student” discount. It’s going to vary of course based on your car, area and insurance company but it’s going to be a big jump from what you‘re paying now. When we added my first DS, he was 17 and our monthly payment doubled.
Yes it will, at one point we had 5. Ds22 finally got his own when he bought his own car, but dd24 is still on ours only because it’s impossible to get into the DMV in NJ.OMG. I am going to have three teen drivers at once (DD is only 18mo older than twins) and that is going to kill our budget!!