Putting teen on auto ins ?
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a lot of parents that i know make the teen earn the money for the auto insurance.
Well, the only cu I qualify for is in TX and I am in MS so it doesn't make since to use them. Ex uses a cu out of another state and I always have problems getting his cs checks cashed or deposited. I did get a quote from an ins co I had before I got married and it was half what our current ins quoted. I plan to go over it with DH and see if maybe I missed something.
He is 15 and can not legally work. He did pick up a cash only job but has worked 4hrs in 2 weeks. That will not nearly cover 200 a month. No one wants to pay for lawn care or other odd jobs around the house.
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We are in Mi. so it may be diff but I like Progressive. As long as DD doesn't get her license we don't have to pay extra for her. We have renewed her permit several times at $25.00 for 3 months. Does he have a job to get to? How much can he contribute?? They told us about $1000. extra year to add her. About $2300. a year for 3 full coverage.
I just saw your next post. I personally would leave him on the permit for awhile.
I just saw your next post. I personally would leave him on the permit for awhile.
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Not sure how it works with your insurance but our kids got lower premiums by keeping good grades, taking defensive driving courses etc. Every little bit helps so don't hesitate to see if they have simular programs. May pay to shop around for a new insurance co, see what your options are.
Good luck & a hug too... I know it can be a scary time for a parent.
Good luck & a hug too... I know it can be a scary time for a parent.
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I think he can wait to drive, honestly. If money is tight him having a license may be a privilege not a necessity. Are there other forms of transport he can use?
When I turned 16 I biked everywhere I needed to go even in the winter and I was fine with it. My mom BEGGED me to get my license because of the snowy conditions I would bike in and I gave in. Then I had to pay insurance and that would suck up an entire month's pay. And that was just liability. I regret doing this.
Having a car was nice and all, but too expensive at that age. Even though I was responsible the others who were not responsible drove up my 'group. If you ask me, maybe wait until he is 18. He has the rest of his life to get this taken care of -- what's the hurry?
When I turned 16 I biked everywhere I needed to go even in the winter and I was fine with it. My mom BEGGED me to get my license because of the snowy conditions I would bike in and I gave in. Then I had to pay insurance and that would suck up an entire month's pay. And that was just liability. I regret doing this.
Having a car was nice and all, but too expensive at that age. Even though I was responsible the others who were not responsible drove up my 'group. If you ask me, maybe wait until he is 18. He has the rest of his life to get this taken care of -- what's the hurry?
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I think YEOW....I am glad I don't have a teenage driver.
A friend makes her daughter pay for the extra, but if he can't work that is a problem too. Might go the permit route but I would sure shop around and see what can be done. Do you have any type of 'grange' insurance....they seem to be 'decent' for a couple friends. If you are near a farming area you might have one.
A friend makes her daughter pay for the extra, but if he can't work that is a problem too. Might go the permit route but I would sure shop around and see what can be done. Do you have any type of 'grange' insurance....they seem to be 'decent' for a couple friends. If you are near a farming area you might have one.
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15 can drive???? most states is 16 or 18?
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Ladykemma2, LOL 14years8mo. can take drivers ed here. There are stages. But yes they can get a license after a certain amount of hours tracked w/ parents and completion of part 2 which includes parallel parking. Surprise.
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Our DD turned 16 in May. She got her license and a car on her birthday. She took Driver's Ed and is a straight A student so we get a discount for both. Our insurance went up $400 a year. We were paying $1000/year and now it's $1400 a year. It didn't go up as bad as I thought it would. Now, in two years when DS gets his own car and license, I fully expect it to go way up since boys are more expensive to insure than girls.
She has had a paying job since she was 14. We are not making her pay all of the insurance, just a small percentage. She does have to pay for her gas.
She has had a paying job since she was 14. We are not making her pay all of the insurance, just a small percentage. She does have to pay for her gas.
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Does being 18 make a difference?
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I just recently got all this info from AAA as my oldest will have his licenses in the fall.
If we put him on our cars it is 600 more every 6 months.
If he is on our cars with a good student discount it is 400 extra every 6 months.
If we put him on his own car with liability only it is 300 more every 6 months regardless of good student status
The car he will drive (mine ) is an 01 taurus with 127,000 miles. I am thinking of going liability only as is is not worth much as soon as our full EF is back in place. Once I can afford to purchase a new car for myself ds will keep the taurus.
Any way we crunched the numbers that was our cheapest option ins wise.
LadyKemma~ I was suprised by this as I'm not in TX but my 15 year old nephew qualified for a hardship license!
If we put him on our cars it is 600 more every 6 months.
If he is on our cars with a good student discount it is 400 extra every 6 months.
If we put him on his own car with liability only it is 300 more every 6 months regardless of good student status
The car he will drive (mine ) is an 01 taurus with 127,000 miles. I am thinking of going liability only as is is not worth much as soon as our full EF is back in place. Once I can afford to purchase a new car for myself ds will keep the taurus.
Any way we crunched the numbers that was our cheapest option ins wise.
LadyKemma~ I was suprised by this as I'm not in TX but my 15 year old nephew qualified for a hardship license!
He is taking drivers Ed and has a 3.? adv so he gets both those discounts.
All the school kids are trying to get jobs and most of the adults are looking for pt second jobs. So if you get a job you don't get many hrs. No public trans and no bike racks or whatever those things are called to lock a bike.
Our state farm agent said that when ds was old enough to drive he had to go on the ins and he has to go on the newest most expensive auto (dh's truck) or our ins could be cancelled. I got a quote from gieco with him on my auto (paid for beater) and it was much lower.
My understanding is that he can only have a permit at 15 unless he gets a hardship license. We do qualify for the hardship license but don't plan to do that.
All the school kids are trying to get jobs and most of the adults are looking for pt second jobs. So if you get a job you don't get many hrs. No public trans and no bike racks or whatever those things are called to lock a bike.
Our state farm agent said that when ds was old enough to drive he had to go on the ins and he has to go on the newest most expensive auto (dh's truck) or our ins could be cancelled. I got a quote from gieco with him on my auto (paid for beater) and it was much lower.
My understanding is that he can only have a permit at 15 unless he gets a hardship license. We do qualify for the hardship license but don't plan to do that.
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That is a bummer he has to go on the most expensive car. Our ins lady said we could pick which car thankfully.
INS sure is expensive!
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It costs MUCH MORE to add a teenaged boy than a girl. Sit down and thoroughly explain auto insurance to your DS, then have HIM call at least 10 places for rate comparisons (some could be done online)
With priviledge comes responsibility, there must be some way for him to earn money, even if it is from you. Could he take over all the familiy's laundry?? When my daughters began driving, they became responsible for ALL the grocery shopping, and errand running, freeing up me a great deal. THat was their trade-off. They also bought their own gas for personal use.
With priviledge comes responsibility, there must be some way for him to earn money, even if it is from you. Could he take over all the familiy's laundry?? When my daughters began driving, they became responsible for ALL the grocery shopping, and errand running, freeing up me a great deal. THat was their trade-off. They also bought their own gas for personal use.
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Same here. We have our auto through Geico and were able to put DD as primary on whichever vehicle we chose. It didn't have to be the most expensive vehicle.
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