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 Posted: Mon May 18, 2009 11:08 am Post subject: insurance |
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| Well...........it depends on the OTHER drivers driving recoerd ( I think). I wouldn't add someone who has alot of tickets, DUI's, etc. Just not a good idea. However....of course, this is the OP's decision. Just trying to give advice. |
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sdchargersfan
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| Posted: Mon May 18, 2009 5:28 pm Post subject: |
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Yes! I haven't seen anyone add a driver to a policy and see the rates go down. There is a small chance your rates will remain the same. However, you will most likely see and increase. You can comparison shop other companies to see if you can lower your rates with the new driver. Companies vary by as much as $600 per policy and you might see a huge decrease in your rates if you find the right company with the new driver. It is even possible that you could pay less with the new driver added than you are currently paying if you find the right company. To insure the best rates you should get at bare minimum of 10 quotes, I would get 20 quotes if possible. Call local agents and shop online until you find the best rate.
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Juston Garland
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justong
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| Posted: Mon May 18, 2009 6:11 pm Post subject: insurance |
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| If the person, that you add, has a good driving record, than your rates ( I would think) would stay the same. A 'new' driver, etc, they may. |
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sdchargersfan
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| Posted: Tue May 19, 2009 1:35 am Post subject: Usually |
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What will happen is they will run a driving record on that person. And based on how long they have been driving and how their record looks the rates will adjust accordingly. Some people thing age has to do with the rate NOT TRUE!!!
DRIVING EXPERIENCE!!!
I can write a policy on a 25 year old with 8 years experience and say its $62 per month
If I write a 32 year old with 1 year of expierence then if rated with the same vehicle it would be much higher than $62.
Also most companies take away driving experience if you have a suspensn or a revocation so that can also change the experience which in turn changes the rate.
Hope that helps?!? |
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Agent007
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| Posted: Tue May 19, 2009 2:42 am Post subject: insurance |
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| SO TRUE!! i work with the Elderly ( for my full time job). One of my 'Clients' is in her 80's and STILL drives. She has a GREAT driving record. ..she pays VERY little for car insurance. It DOES depend on your experience ( I suppose). |
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sdchargersfan
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| Posted: Tue May 19, 2009 7:10 am Post subject: |
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| Quote: | | she pays VERY little for car insurance. It DOES depend on your experience ( I suppose). |
This is another reason why the young drivers are priced high, because they lack in driving experience. People normally associate it with the age but its actually the driving experience which matters.
Now it would be easy to understand why the rates go up so much with the inclusion of a teenage driver. |
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simon
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| Posted: Tue May 19, 2009 11:46 am Post subject: insurance |
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| SIMON.........yep, ..if you put a teenage driver, I sure can understand why yuor Insurance rates would go up. However....I have a question. Is there a point in time where the Insurance company NO LONGER considers a teenager driver 'High Risk'? I mean, what if my son started driving my car at the age of 16. By the time he is 21, and has no accidents, would the Insurance company take him off 'High Risk'? Hope I'm explaining the question clear. |
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sdchargersfan
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| Posted: Tue May 19, 2009 4:28 pm Post subject: sdchargersfan |
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yes there is a point when a high risk driver doe no longer become a high risk...either is they become married OR when they have been driving for about 8 years...but also like I stated earlier it does not have to do with age...a 32 year old man can just for the first time get a DL and be rated the same as a 16 year old.....
also there is a driving level that once you hit 35 years Driving experience your rate will start to go up agaiin...since you ar getting older and your reaction time may not be up to par |
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Agent007
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| Posted: Mon Jun 01, 2009 10:49 am Post subject: |
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| I thought isurance was cheaper once you hit a certain age. I thought it was 25. I could be wrong but thats what I was told before. Any truth to that? |
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fireyone
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