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 Posted: Thu Oct 09, 2008 1:58 am Post subject: State Farm related questin - NC - occasional driver |
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Daughter turned 16 and can get license, once I get proof of insurance. We have now 2 drivers in the house (me and her) and ONE car. Does state farm consider this an occasional driver? I heard there are insurance companies that won't charge for occasional drivers. When I called my agent, they told me an extra $100 a month to cover her. Did I not ask the right questions? (I didn't mention occasional driver though - I just asked cost to add her to my policy.)
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| Posted: Thu Oct 09, 2008 2:01 am Post subject: correction to above post |
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Daughter turned 17 and has had permit for a year, good grades and took driver's ed ....
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| Posted: Thu Oct 09, 2008 9:52 am Post subject: |
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I've never heard of 'occasional driver' you would be the primary driver certainly...100 a month sounds awfully high even for a sixteen year old...what are your rates without her? what kind of vehicle do you have? What are your limits and deductibles? It might be time to adjust your deductibles to bring your rates down, or time to shop around for another company...I've raised two teenagers boy and girl and both were high, but not that high.
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Lori
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| Posted: Thu Oct 09, 2008 10:48 am Post subject: |
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| How much does a normal policy raise when you add a teen? I know it would depend on your own driving record so just say hubby and I have great records...would we see a substancial raise by adding a teen? |
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fireyone
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| Posted: Thu Oct 09, 2008 11:30 am Post subject: |
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oh yeah you will
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Lori
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| Posted: Thu Oct 09, 2008 11:33 am Post subject: |
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| HMMM glad its still 4 years away then. |
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fireyone
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| Posted: Thu Oct 09, 2008 12:03 pm Post subject: |
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it's generally cheaper to buy the kid a beater and carry liability only rather than adding them to an expensive newer car of mom and dads...least it was in our case.
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Lori
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| Posted: Thu Oct 09, 2008 1:47 pm Post subject: |
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| Quote: | | Daughter turned 16 and can get license, once I get proof of insurance. |
My advice would be to keep your daughter on the permit as long as possible. She is covered while driving your vehicle with the permit, since you are normally with her in the vehicle.
Like Lori mentioned, many parents make the mistake of buying their new teen driver a brand new sports car for their first vehicle and act surprised when the auto insurance premium goes through the roof.
You obviously want your daughter driving a safe vehicle in reasonably good condition, but get her one that isn't financed, where you can start with minimum coverage and not suffer a tremendous loss if she wrecks it.
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InsuranceMaze
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| Posted: Thu Oct 09, 2008 2:53 pm Post subject: |
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| Thats really a good idea and probaly would have happened anyway. When my son was nearing his 16 birthday we got a good beater given to us for him. I wanted to see how he would treat this type of vehicle before either lending him one of ours or helping him toward a good one. He took quite a few bad roads in life and we decided to not get his license so we never took it any further. At least now I know that my line of thinking (beater) is a good one not just for responsibility but insurance purposes also. |
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fireyone
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| Posted: Fri Oct 10, 2008 8:51 am Post subject: |
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| Quote: | | Like Lori mentioned, many parents make the mistake of buying their new teen driver a brand new sports car for their first vehicle and act surprised when the auto insurance premium goes through the roof. |
Or they tear it up...! kills me when parents had a 16 yr old a brand new car that they bought for them and then are surprised that they don't take care of it...amazing.
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Lori
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| Posted: Fri Oct 10, 2008 5:32 pm Post subject: |
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| Have you ever watched that show on cable "My sweet 16"? It is about rich kids and the parties their parents throw for them and the cars they get. I am talking Jonus Bro's as their entertainment and porches as their first vehicle. Should have added the word "fantasy" in their title for this show. |
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fireyone
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