If a teen is listed on your insurance and after a couple years they got their own policy at the same company I wonder if this would do anything to help them out? Goodnatured..the three job thing is a wonderful idea. Getting them to help pay will also get them use to having to pay for insurance on their own since eventually they would have to do it anyway.
Right fireyone, insurance can kill you with teens and if they truly see what it costs for them to drive they may be a little more careful. I don't think paying it for them and telling them how much it costs would affect a teen, they still see it as YOUR insurance, because it is YOUR bill, just like the electric, heat and everything else in the household that you provide for them that is a need. Their driving is a privilidge so I think they really need to be aware of that and that it cost a fortune to have them on the policy and that the privilidge can be taken away at any time.
You got that right goodnatured. I preached to my teen for years about leaving lights on, turning the heat up to 90 in the winter and then running around in shorts. Even showing him the bills never got me anywhere. I just got a smart ass answer like "it's your bill, pay it". After several warnings and more comments like that I decided I could be a smarty pants too. Change all the bulbs to low watt. If anything had over one bulb I removed all the others, went to a home improvement store and bought a box that goes over the thermostat. I set the thermostat at 72 and locked it up. This may sound drastic but My heating and electric was through the roof. Especially when he decided he was too hot after turning it up and instead of turning it back down he would just open his window (in the middle of winter). Now he is on his own and seeing how it is. Teach them young to pay. You have to give them heat and electric but not a license. If they want to drive let them help pay toward that luxury.
Anyone who has ever had teenagers knows that they have ZERO clue on what the value of a dollar truly is, unless and until they actually have to go out and EARN ONE! It's amazing how money gets really expensive when you have to pay for something yourself!
With my kids, they have some choices. My wife and I firmly believe that education is hugely important, unless you like minimum wage! So, we've made a "deal" with the kids: stay on honor roll, have a job to pay for gas, oil and maintenance, no activity on the MVRs and we will pay for their insurance. Fall off honor roll, get a ticket or get into an at-fault wreck and it's all on the kid. If the kid has a problem with that, it's no problem with us- you aren't driving anymore! How do the words "mass transit" sit with you, kid?
So far, we've been lucky. No tickets or wrecks, but I do believe, as the parent of teenagers, that it's only a matter of time before "stupid" creeps in. Every kid does "stupid" at some point in time, I think it's written into their genetic code!
You made me smile ins. teacher. I tried all kind of bribes with my teen. Nothing worked..and I never signed for him to get a license. You are definately correct about education..It should always be top priority. Glad to know their are still parents out there like myself. Keep up the good work.
Did you find any help on that link I gave you? _________________ **************************************
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Yep...I've seen it many times prior, as my company is based in Oregon. I think it's great the state puts up comparative numbers, it gives the consumer some really basic info. But you know as well as I do that those situations are pretty specific, and now credit plays a huge part in your premiums and wasn't a consideration in how those premiums were figured.
I have to admit that the state of Oregon does a pretty good job of keeping the citizenry advised as to what's going on. I have a lot of experience in different states, and Oregon does a particularly good job of protecting the consumer, much to the carriers' chagrin.
Unfortunately, I can't say the same about all states.
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Well, I just wasn't any help at all crap.....sorry....
Quote:
Unfortunately, I can't say the same about all states.
'ain't that the truth!'
I've always thought Oregon a very forward thinking state....unlikes...ahem....some, that although I love, could do more! _________________ **************************************
Life gaurantees a chance NOT a fair shake
**************************************
FIND a way EVERY day to lighten the load of another
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_________________ **************************************
Life gaurantees a chance NOT a fair shake
**************************************
FIND a way EVERY day to lighten the load of another
**************************************
It's amazing how money gets really expensive when you have to pay for something yourself! 
been away for a while, going to try to bump in a little more often.
