Do We Have An Auto Insurance Specialist In The House?

[dna4ever 2]

So my daughter got her license today.We have been waiting to let her get her driver's license until she got a job cause she is going to be responsible for paying her part of the insurance.She has had a job interview and looks good but wont know anything for sure until after this weekend and it's certainly possible she doesnt get the job at all and is back to the drawing board so could be weeks until she actually has a paying job.My insurance company would not give me an exact quote on her increase without her drivers license number.Now that she has her license # I called them to get a quote on her, but explained she will not be driving and we wont be officially adding her to our policy until she gets a job. The lady (who i have known for many years quite well and does all my insurance stuff from house, auto, life, etc etc) said unfortunately it doesn't work that way. If she is a licensed driver in the household then she HAS to be added the policy now even if she is not driving.I'm like if I never called you to get the quote you would have never known she was licensed already and she is not going to be driving without insurance.She said this is not a law, but a standard insurance policy requirement and there is no way around it. This seems a bit messed up.Anyone know for sure? I guess I just totally screwed up by even calling them at all until she had a job secured and I was actually ready to add her cause otherwise they wouldn't even know. I mean she has been 16 for over 2 months already and they have never contacted me about it.

[speedz99 145]

I thought dads with mustaches were supposed to be cool.

[dna4ever 2]

I thought dads with mustaches were supposed to be cool.

we are, but we are also frugal nits that believe in bestowing financial responsibility early upon our children versus letting them learn the 'life is not easy street' lesson until after they are out on their own.

[fryer98 30]

For the answer, PM dna4ever.For reals, sounds strange to me.

[bleacherbum3 9]

we are, but we are also frugal nits that believe in bestowing financial responsibility early upon our children versus letting them learn the 'life is not easy street' lesson until after they are out on their own.

Exactly, the money for her car insurance sure as heck better not put a dent in your drinking fund.

[dna4ever 2]

Exactly, the money for her car insurance sure as heck better not put a dent in your drinking fund.

^^^ this

[speedz99 145]

Wait...life isn't easy street?

[Balloon guy 158]

In California you have to have every driver living in your household covered, even non-related roommates etc.But you can ask for an exclusion, which means that person specifically is not allowed to drive the cars you list in the exclusion, but I think you still have to list them on at least one car.Might be worth it to buy her a cheap car and rate her on it and exclude her on the rest of the cars etc.Welcome to the transition from being a dad to being an old fuddy duddy dad. "Why can't I drive the good car to pick up my friends just this one time?" "Because we don't have that car insured and if you got in ana accident it could financially ruin our entire family""But I won't get into an accident"...Wait till they have their 2nd-3rd accident / 4th ticketCheaper to have a limo take her around till collegeGood luck

[Balloon guy 158]

Wait...life isn't easy street?

Not till you have that license that allows you to prescribe horse tranquilizers it ain't

[hank213 1,824]

so go to e-surance dot com, get a quote and whack off to a cartoon.

[strategy 4]

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[dapokerbum 0]

it's funny, I listen in on phone calls occasionally at work. this happens way more often (random information offered that leads to a premium hike) than you'd think. although in your case this was actually a bit of a blindside.while I don't know if this is truly standard practice, I think the rule makes a bit of sense.my favorite story? guy backs into his mailbox, files a claim for the damage to his truck. collects $50 after the $100 deductible. reacts with extreme shock and rage to see that his 6mo premium increases by $150. he's a former president of the company.

And that is why the 3 richest people that I know are all in insurance ... true story

[Sal Paradise 57]

hold the god damn phone. you have a 16 year old daughter?

[jeff_536 3]

hold the god damn phone. you have a 16 year old daughter?

Start: Rural Bumfuck, VA 1. Head northwest on Confederate Blvd/US-460 BUS W toward N Church StContinue to follow US-460 BUS W0.9 mi2. Turn left to merge onto US-460 W/VA-24 W toward LynchburgContinue to follow US-460 W14.6 mi3. Continue onto Richmond Hwy 1.0 mi4. Continue onto US-29 S 6.5 mi5. Continue onto Co Rd 224/US-460 WContinue to follow US-460 W47.5 mi6. Merge onto I-581 N/US-220 N via the ramp to I-81 5.2 mi7. Take exit 1S on the left to merge onto I-81 S toward Salem/BristolEntering Tennessee219 mi8. Merge onto I-40 W 200 mi9. Take exit 221 for TN-45/Old Hickory Blvd toward The Hermitage 0.2 mi10. Turn right at Old Hickory Blvd/TN-45 WContinue to follow TN-45 W6.5 mi11. Turn right at Hadley Ave 0.5 mi Finish: Old Hickory, TNApproximate Time: 8 hrs., 37 mins.Your welcome

[fryer98 30]

Your welcome

So unlike you. It's like I don't even know you anymore.

[mrdannyg 274]

There was one useful post in this thread, and I will elaborate slightly. I'm not an expert, but I work for a big bank and generally know how these things work.As someone said, anyone living in the household must be insured under the same policy. Having them excepted simply means they need to be under their own policy (expensive) or they cannot drive the car at all. The intention of course is to prevent people from saying they will be the only driver when they'll really be sharing.If there are already 2+ people on the insurance, it should not be significantly more expensive to add someone as an 'occasional driver.' Whether true or not, just tell them she won't be driving to school or work, and it should not be a significant additional cost. In Canada I believe this is an official designation - not sure if it is the same in the States. I know you want her to pay, but I assume you can make some arrangements where she'd be paying the incremental cost, for example.Plus, it can never hurt to get a quote from a discount company. You'd be surprised how much less you pay for very little less in actual benefits. I usually only recommend that for car insurance, as house and life there are more significant negatives pertaining to the actual coverage.

[jeff_536 3]

So unlike you. It's like I don't even know you anymore.

Dude, I was talking to two hicks. When in Rome...

[Sal Paradise 57]

Dude, I was talking to two hicks.

hey you cain't talk 'bout my kin like that!(we's engaged now, me 'n dnette.)

[El Guapo 10]

There was one useful post in this thread, and I will elaborate slightly. I'm not an expert, but I work for a big bank and generally know how these things work.As someone said, anyone living in the household must be insured under the same policy. Having them excepted simply means they need to be under their own policy (expensive) or they cannot drive the car at all. The intention of course is to prevent people from saying they will be the only driver when they'll really be sharing.If there are already 2+ people on the insurance, it should not be significantly more expensive to add someone as an 'occasional driver.' Whether true or not, just tell them she won't be driving to school or work, and it should not be a significant additional cost. In Canada I believe this is an official designation - not sure if it is the same in the States. I know you want her to pay, but I assume you can make some arrangements where she'd be paying the incremental cost, for example.Plus, it can never hurt to get a quote from a discount company. You'd be surprised how much less you pay for very little less in actual benefits. I usually only recommend that for car insurance, as house and life there are more significant negatives pertaining to the actual coverage.

70% of this post is incorrect, so please don't do this.

[mrdannyg 274]

70% of this post is incorrect, so please don't do this.

Well, I believe you are wrong (obviously) but I am no expert. Please elaborate. Especially since my only actual suggestion was to get another quote.

[strategy 4]

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[runthemover 40]

I didn't read what MDG said but BG is mostly correct. Back when I was slangin' insurance in Cali, everyone in the household had to be on the insurance in some manner. Either allowed to drive or excluded (no premium paid. no coverage). This probably is different company by company and different states have different laws too so it's hard to give advice on the subject. So, in California at the company I worked, what your agent is saying is true, every driver in the household must be on the policy but whether they are covered under your policy and you pay premiums for them is a different story.I would tend to think your agent is a stupid **** and is incorrect about this (or is not explaining herself well (stupid ****)) but maybe your state and/or her company has strange ways of doing things. If you can't work it out with them then go find someone that will.

[El Guapo 10]

Well, I believe you are wrong (obviously) but I am no expert. Please elaborate. Especially since my only actual suggestion was to get another quote.

First off, adding a minor female driver will probably be 2,000 a year. You can't just have them as a part time driver.Second, going with a cheap insurance company is a terrible idea for many reasons.#1 Trying to get them to pay on a claim is next to impossible#2 If we skimp on your insurance coverage limits (most cheaper insurance companies are cheap because they offer 15K/30K coverage) and your child gets in an accident and you own a home or have any other assets, you can probably kiss them goodbye.#3 Most require some big down payment, and if you are a day late on your payment they cancel the policy

[strategy 4]

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[mrdannyg 274]

First off, adding a minor female driver will probably be 2,000 a year. You can't just have them as a part time driver.Second, going with a cheap insurance company is a terrible idea for many reasons.#1 Trying to get them to pay on a claim is next to impossible#2 If we skimp on your insurance coverage limits (most cheaper insurance companies are cheap because they offer 15K/30K coverage) and your child gets in an accident and you own a home or have any other assets, you can probably kiss them goodbye.#3 Most require some big down payment, and if you are a day late on your payment they cancel the policy

If adding someone who will be driving occasionally increases your premiums by that much, there must be legislative differences. In Canada they could be added for a fraction of that as an 'occasional' driver.Going with a cheap insurance company has its downsides of course, though you exaggerate them in a typical fashion. My point was that the downsides are minimal (especially compared to other types of insurances) compared to the trade-off in coverage. People who are afraid of hugely exceptional situations end up paying 10s of thousands more over their life in insurance. I believe finding a 'cheap' policy that still allows for a high liability limit is not that hard - most people couldn't afford the million-dollar settlement without losing all their stuff. However many policies allow for big savings by, say increasing the deductible, or allowing for lower limits on other aspects. By allowing for increased deductibles alone, you can save on payments in a worthehile fashion - so long of course as you can afford the deductible.