car/truck insurance

**miss_thrifty** · 05-07-2009, 02:40 PM

Hubby just found that when our sone gets his liscence if we want to get insurance on the car for him it will be over $3600 yr. OMG
he has to earn it they said then it will lower down if no tickets accidents. unless we get rid of the little car and out him on the truck then its $800. 1 car per household as part time driver.
Hubby said he aint getting rid of the car he just got it and thats all its worth lol
Plus kid aint allowed he said to use his truck (baby)lol
so If son wants insurance to drive car he needs to get job and pay $300 month . he has 1 yr till beginners will run out.

**mom23boyz** · 05-07-2009, 08:41 PM

Holy Cow!!! Hope DS can find a job for his sake!!

**Debbie-cat** · 05-07-2009, 10:10 PM

Yes, car insurance is extremely expensive (especially in Canada) for teen boys. Welcome to the club!

**craftypam** · 05-07-2009, 10:35 PM

Originally Posted by miss_thrifty

Hubby just found that when our sone gets his liscence if we want to get insurance on the car for him it will be over $3600 yr. OMG
he has to earn it they said then it will lower down if no tickets accidents. unless we get rid of the little car and out him on the truck then its $800. 1 car per household as part time driver.
Hubby said he aint getting rid of the car he just got it and thats all its worth lol
Plus kid aint allowed he said to use his truck (baby)lol
so If son wants insurance to drive car he needs to get job and pay $300 month . he has 1 yr till beginners will run out.

In our state you put the teenager on the cheapest car and if you belong to a large credit union you get a discount. With 3 sons there is no way I could have afforded what you've been told.

**miss_thrifty** · 05-08-2009, 01:09 AM

well he was kinda disgusted tonite after he heard about the price lol
well as far as summer jobs he waited too late i think alot of jobs are mostly gone. he better make it back Mcdonalds or have nothing at all.

**wwe11** · 05-08-2009, 09:44 AM

Holy cow, that's alot.

**miss_thrifty** · 05-08-2009, 11:42 AM

they told hubby if their wasnt so many accidents involving teen s , thats their excuse. their covering their loses. Im not stupid. Insurance companies and make or break u when it comes to howmuch.
were going to pay $30 more in insurnace for car just fro hubby .thats alittle $100/month for the 2002 ford truck and 99 sunfire.
he has neved had a accident only 1 ticket years ago for speeding. perfect rcord.

**JerryG** · 05-08-2009, 03:02 PM

Auto insurance for teens is expensive. When my son was a teen, we combined auto and home, he had to maintain a good grade average and he paid for driving lessons. All of those things reduced his insurance by about 30%. And, yes, he paid for his own insurance.

**mombottoo** · 05-08-2009, 07:16 PM

I don't understand insurance companies at all!!!! I had 4 kids and our insurance did not go up so much as a dime when they started driving. You might want to consider checking around at other insurance companies, not all insurance companies gouge parents like your's apparently does.

That being said, if you can't find an insurance company with much lower rates you might want to consider not allowing your son to get his driver's license. It would suck for him, I know...but, there isn't a rule anywhere that says parents have to let their kids get a driver's license just because they can.

**mommynurse** · 05-11-2009, 07:02 PM

Our insurance went up another $60/month when DD#1 got her license in March- guess I should stop complaining, huh?

**Jeanna** · 05-12-2009, 09:10 AM

My son waited until he was 19 to get his licence and our insurance still went up over $200 a month. He will be 21 in June and it is down to about $160 now. Of course our dd will get her license in Aug. and she will just be 16 so I am really dreading seeing the price.

**miss_thrifty** · 05-12-2009, 05:23 PM

we laready looked sround and i havent seen anyhting much lower. and it doesnt hurt him to have liscence incase of emergency. plus as he gets older it aint ggoingt o get any cheaper.

Originally Posted by mombottoo

I don't understand insurance companies at all!!!! I had 4 kids and our insurance did not go up so much as a dime when they started driving. You might want to consider checking around at other insurance companies, not all insurance companies gouge parents like your's apparently does.

That being said, if you can't find an insurance company with much lower rates you might want to consider not allowing your son to get his driver's license. It would suck for him, I know...but, there isn't a rule anywhere that says parents have to let their kids get a driver's license just because they can.

**norcalmommy** · 05-14-2009, 11:06 AM

WOW That is alot of money.

**onencgirl** · 05-14-2009, 08:06 PM

Holy Cow... I'm glad my kids are grown!

**pollypurebred39** · 05-15-2009, 04:50 PM

that's outragous. we had travers insurance and when i had an accident, a fender bender they dropped us like a hot rock. nobody wanted to insure us because of my accident for a decent amount. we ended up going to an insurance agent and he found us a great deal with progressive. it was far less than we were paying with travelers to start with and after i was a year past the accident it dropped even further. it paid to get an agent in the mix.