"ttyymmnn" (ttyymmnn)
10/06/2020 at 14:03 • Filed to: None
5
33|
"ttyymmnn" (ttyymmnn)
10/06/2020 at 14:03 • Filed to: None | 5
| 33 |
One saving grace is that he’s 18 and not 16, and he’s getting good grades. Still, our six-month bill will go from three digits to four, nearly double . I can’t wait to put his twin brothers on the policy. They turn 15 in a week. But I may make them wait.
Highlander-Datsuns are Forever
> ttyymmnn
10/06/2020 at 14:07 |
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My daughter has not pushed to get her drivers license, I’m wanting her to get it but also am not looking forward to the increase in insurance.
davesaddiction @ opposite-lock.com
> ttyymmnn
10/06/2020 at 14:10 |
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W oof...
Yeah, not looking forward to that.
SBA Thanks You For All The Fish
> ttyymmnn
10/06/2020 at 14:12 |
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Think about how many Uber rides that is...
Pictured below— Father-Son discussion regarding automotive finances...
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ttyymmnn
> Highlander-Datsuns are Forever
10/06/2020 at 14:13 |
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My son started his license at the right time, but then he had a small incident while learning and it spooked him. He ended up waiting a year, and I think it was a good move. He could have done it earlier, but now he’s a lot more mature and thoughtful, and has become a good young driver.
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ttyymmnn
> SBA Thanks You For All The Fish
10/06/2020 at 14:13 |
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I told the USAA agent that it would be cheaper to buy him a really nice bike.
farscythe - makin da cawfee!
> ttyymmnn
10/06/2020 at 14:22 |
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welp..asides from not having a car..my daughter has zero interest in driving
so i guess i dont need to worry about that one
(mostly coz the gubment lets her use public transport for free...perks of being a student)
Exage03040 @ opposite-lock.com
> ttyymmnn
10/06/2020 at 14:26 |
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Mmmmm, I remember getting my first car for $1000 and paying $2000/y for basic coverage. Which was stupid. Currently my moto costs significantly less in coverage per month than my car. I ride 2x the km on it compared with driving the car.
The young-ins 15 years later here in BC are now in complete clown territory at $5-6k/y for a used car.
Longtime Lurker
> ttyymmnn
10/06/2020 at 14:26 |
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This is an instance where government insurance is great. I could have a high schools worth of teenagers drive my car without it affecting insurance rate.
barnie
> ttyymmnn
10/06/2020 at 14:29 |
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Didn’t get my license until I was 17. All I wanted to do back then was ride my bicycle. Mom put me on her insurance only as long as I paid for it. Still it was cheaper than getting my own.
krustywantout
> davesaddiction @ opposite-lock.com
10/06/2020 at 14:33 |
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Seconded.
Daughter turns 15 next year. :-(
ibRAD
> ttyymmnn
10/06/2020 at 14:36 |
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Does a couple of years make much of a difference? My wife got her license at 32 and it was still a gigantic increase to put her on as a primary driver. Didn’t cost anything to put her on as occasional though and that’s where she remains 8 years later. I’m surprised the insurance company lets me get away with it since we have 1 primary driver, one occasional driver, and 5 cars.
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davesaddiction @ opposite-lock.com
> krustywantout
10/06/2020 at 14:37 |
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I’ve got an almost 14 year old, and another one
two years behind (and another four years after her
...). Hopefully the first will be paying his own way before our youngest gets added!
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subexpression
> ttyymmnn
10/06/2020 at 14:38 |
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I’m guessing that across most of the US boys still get massively screwed on insurance. I remember in high school hearing people talk about their insurance rates, and it seemed like girls with a stack of tickets (including one >100mph in a 50mph zone ) were sometimes still lower than boys with clean records .
Of course, it was also a rural area, so that made things a little weird . You’d have kids who were 15-16 and had never even moved mom’s car to one side in the driveway, and you’d have kids who were too young to take driver’s ed but could already back a pickup and trailer in to a barn and drive a 5-ton truck with two gearboxes in to town to drop off a load of grain .
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ttyymmnn
> ibRAD
10/06/2020 at 14:40 |
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The policy is on a six-month renewal, and every six months he goes without a ticket or an accident will reduce the bill by some amount. So the two years he spent NOT driving on his own covered four potential rate decreases. As it is, our bill will be going up about $100/mo, which is certianly manageable. The best thing about Covid is that my wife has been working FT through all of it and we’re not spending any money for vacations etc.
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ttyymmnn
> subexpression
10/06/2020 at 14:41 |
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Girls have always paid less for insurance, and it all comes down to statistics.
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ibRAD
> ttyymmnn
10/06/2020 at 14:43 |
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100/month isn’t too bad. I’ll be in your boat in 5 more years when my oldest wants to drive (I assume)
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ttyymmnn
> ibRAD
10/06/2020 at 14:47 |
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Many kids these days are delaying driving. I think it has a lot to do with social media. When I was younger, you had to go out to hang with your friends. Nowadays, kids can stay home and hang with their friends. And many choose to do that. Many of our friends have kids who have waited until their senior year, or beyond.
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ibRAD
> ttyymmnn
10/06/2020 at 14:49 |
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Where I live I think it would be cheaper to buy him a car and insure it than it would be to procure enough bandwith for a teen on social media!
shop-teacher
> ttyymmnn
10/06/2020 at 14:54 |
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My dad made me pay for my insurance. $2700 a year, clean record, good student discount.
Worth every penny.
Shamoononon drives like a farmer
> ttyymmnn
10/06/2020 at 15:01 |
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Mine tripled when I put my 16 year old daughter on it. 85$ a month to 290 $.
66P1800inpieces
> ttyymmnn
10/06/2020 at 15:15 |
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I remember my 18-20yo nephew buying a garbage Camaro or Firebird and him paying something like 5k a year. Car wasn’t worth that much.
415s30 W123TSXWaggoIIIIIIo ( •_•))°)
> subexpression
10/06/2020 at 15:16 |
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Pretty sure US boys fund all the investors, my grandpa had a benefits company and I would sometimes hear them joke about what could be covered in the insurance industry, sometimes quite dark humor!
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ttyymmnn
> Shamoononon drives like a farmer
10/06/2020 at 15:18 |
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Yikes. I’m seriously thinking about telling my TWIN boys that they are going to have to wait,
Rusty Vandura - www.tinyurl.com/keepoppo
> ttyymmnn
10/06/2020 at 16:10 |
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I was a poor risk.
just-a-scratch
> ibRAD
10/06/2020 at 16:43 |
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How dumb was I at 16 compared to 18?
18: dumb enough to drive cross country solo.
16: dumb enough to play hide and go seek in cars
Yeah, it makes a significant difference.
.
But how dumb am I now? Dumb enough to buy a car because it makes me giggle, despite warnings of its impracticality a nd snap oversteer. That’s my kind of dumb now.
TheRealBicycleBuck
> ttyymmnn
10/06/2020 at 19:41 |
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My son’s insurance costs me $300 per month. That’s with three vehicles and four drivers. It’s going to be really bad when we add a fourth vehicle and he becomes a full-time driver on it.
PatBateman
> ttyymmnn
10/06/2020 at 19:41 |
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I’m about to have a 16 year old, but behind her is a 13 year old who wants either a Bronco or a Gladiator for her first car/my weekend beach whip.
I shall pray for both of our bank accounts.
feather-throttle-not-hair
> ttyymmnn
10/06/2020 at 20:25 |
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Conversely, my insurance went way
down
when I put my partner on my insurance. We’ve known each other since we were 14 (currently 38) and she’s never once driven a car I own.
gmporschenut also a fan of hondas
> subexpression
10/06/2020 at 22:23 |
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My older sisters car insurance started at half of mine and after she had a ticket and fender bender was still only 2/3 of what I paid when I got mine and had a clean record .
Well
> ttyymmnn
10/07/2020 at 09:08 |
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Shop around, I just saved a client about 350 a month with her 16 year old. Better coverage as well. Her old company was going to be 750 or something, 100k /300k liability coverage, 500 comp and collision with full medical on 1 car...I got her to under $400 a month with 500,000/ 1,000,000 liability and uninsured/underinsured liability same deductibles and full medical/PIP (Michigan thing) with the 16 year old. Call a local independent agent or 2, they’ll have a few options, I say call a few because if you have a loss or ticket they may not give you the best rate due to watching loss ratios or not use a rater and rather go direct to just 1 or 2 of there preferred companies . But the other agencies may offer the better rate, or compare all .
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ttyymmnn
> Well
10/07/2020 at 09:14 |
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Thanks, but w e’ve been with USAA for 30 years, and we’re not going anywhere. It’s a great company, and even with the change from adding him, it’s nowhere near as horrible as I’ve seen others here relate.
His Stigness
> ttyymmnn
10/07/2020 at 15:29 |
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When I first got insured at 19 with my Mercedes I was paying several thousand a year for basic insurance (CA is 15k/30/5 - per person/per accident/property damage), but I kept my deductible lowish around $500 for collision and $250 for comp.
Fast forward to now being in my late twenties, I’m spending less for my mom and I and FIVE cars, two of them being new. I also upped my limits significantly to 100/300/100 and lowered collision to $ 250 and comprehensive down to $25.
I’ve also learned to just stay with Mercury. Their underwriting is a bitch, but their rates are the lowest and their claims process is the best.
CalzoneGolem
> ttyymmnn
10/08/2020 at 14:56 |
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That’s how insurance works.