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.

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.

For the answer, PM dna4ever.







For reals, sounds strange to me.

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

^^^ this

Wait...life isn't easy street?

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 ticket
Cheaper to have a limo take her around till college

Good luck

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

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

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

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 St
Continue to follow US-460 BUS W
0.9 mi

2. Turn left to merge onto US-460 W/VA-24 W toward Lynchburg
Continue to follow US-460 W
14.6 mi

3. Continue onto Richmond Hwy
1.0 mi

4. Continue onto US-29 S
6.5 mi

5. Continue onto Co Rd 224/US-460 W
Continue to follow US-460 W
47.5 mi

6. Merge onto I-581 N/US-220 N via the ramp to I-81
5.2 mi

7. Take exit 1S on the left to merge onto I-81 S toward Salem/Bristol
Entering Tennessee
219 mi

8. Merge onto I-40 W
200 mi

9. Take exit 221 for TN-45/Old Hickory Blvd toward The Hermitage
0.2 mi

10. Turn right at Old Hickory Blvd/TN-45 W
Continue to follow TN-45 W
6.5 mi

11. Turn right at Hadley Ave
0.5 mi

Finish: Old Hickory, TN


Approximate Time: 8 hrs., 37 mins.

Your welcome

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

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.

Dude, I was talking to two hicks.

When in Rome...

hey you cain't talk 'bout my kin like that!


(we's engaged now, me 'n dnette.)

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.

I am on the fence about the first paragraph. Yes, random minor accidents, the parents could report that they were driving (and not the kid) and the insurance company would never know. But the company would be off the hook if the kid wrecks the car and does a bunch of damage to someone else and they find out that it wasn't the insured behind the wheel. This isn't a bad outcome for the insurance company per se, but it is pretty bad for the community to have this going on.

as far as the second paragraph.. I would just say to shop around. you don't even have to look to reduce your coverage, just ask around. you'll find that your individual exposure is weighted differently by every company.

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.

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

of all the stuff I've learned working at this place, the most important thing is that each state differs on a billion aspects of insurance. you get an underwriting period for some specified length of time in which you can cancel, you have to provide a certain amount of notice before canceling, sometimes you have to file some paperwork to explain why you're canceling, and you can't cancel for nonpayment for widely varying lengths of time. you see laws that are obviously in place because some person near and dear to a legislator got harmed in some way by an insurance company many years ago.

we're a tiny company who does business in all 50 states, so it's basically ridiculous trying to keep up on all the regulations.

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.

Anyone care to give advise based on the auto insurance laws of China, Germany, or Packlackistan? I'm sure they all apply to the US as well...

The obvious solution to this problem is to get her drunk and let her drive really fast until some cop pulls her over.

That way, her license gets revoked instantly, and the insurance crisis is thereby averted.

Or just switch your insurance carrier and fail to mention that you have a 3rd licensed driver in the household.

LOOOOL!


In fairness I love my insurance company and the people at it, they are a small independent agency that has taken care of all my stuff fantastically for years with great customer service. I know all 8 people in the office very well and they do business with me as well in my real life so I'm certainly not going to raise a big ruckus (could you describe the ruckus?) over this or switch companies, but it just seemed to be a little messed up.

I appreciate everyone's input. I am getting the quote today so we will see how bad the damage is going to be. Hopefully my daughter gets this job next week and it's really a short intermediate period anyways and this entire issue is a moot point.

You know, since laws relating to insurance and finance are so materially different...

LOL @ trying to beat the banking/insurance guys at their own game.
They've been doing this longer than you.
The more you interact with them, the more pissed they get and the more it costs you.

Actually, they are.

I remember a thread a couple years back where gmanshade was posting his auto insurance cost in Canada because of the legislation, being like 5K per year.

Because I could not believe it, I ran a quote for the same thing in CA, and it was 1/3 the cost.

So there are obvious huge differences.

Plus here in US we have 1000's of crappy little insurance companies and some of them you can literally never get on the phone. I personally choose to spend a couple hundred more dollars a year to have an insurance company who I can call and change something immediately and if I get in an accident, or my vehicle get broken into, I can then get reimbursed in a timely manner for my loss.

Like guap said, most of what you've posted is just horrible information. Just horrendous.

DNA, insurance rules and regulations are governed by each individual state. Rules and eligibility requirements in Florida are different than they are in New York, etc. Unless you're getting your info from another auto insurance agent in your state, I would take everything said here with a grain of salt.

Not necessarily true. The squeakiest wheel gets the grease.

What do you think insurance companies and law firms do with grease for their clients?

Whoa, color me surprised.

To add my daughters car and add her as a driver to our policy, it is 'only' an increase of $694 per year ($58/month). I was preparing myself and her for about $100 per month. Good grades discount saved her about $30/month.

One of you is a liar!

I can't trust anything you say ever again.

Good deal.

Be glad you didn't have a son who drives a 4 wheel drive truck

take THAT, doubters

awesome

why is there a subliminal message for a fishing lure in the last few posts?

ok, i'll bite...what are you talking about?






(see what i did there)

Thanks Jeff. The rest of you can eat my ass. Well, except DNA. Glad to hear it won't cost you a (ridiculously skinny) arm and a leg.