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car insurance for teen driver - any suggestions?

car insurance for teen driver - any suggestions?

Old Jan 9th 2011, 5:02 am
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Default car insurance for teen driver - any suggestions?

My 17 and a bit year old has just completed her driver's ed and should be driving very shortly. We are looking at cars for her just now. I like the look of the Kia Soul - it's cheap and has a long warranty - perfect for her. But we have called a few insurance companies and they are pricing the insurance at around $2,500-$4000 PER 6 MONTHS. Even for a base model with 4 doors! Am I missing something? That seems extraordinarily expensive. Any ideas to get the cost down? Are there any companies who deal especially with teen drivers?
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Old Jan 9th 2011, 5:25 am
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Default Re: car insurance for teen driver - any suggestions?

It would probably cost much less (although it will still be expensive) to add her to your insurance rather than attempting to take out a completely separate policy for her.
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Old Jan 9th 2011, 5:29 am
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Lazzza View Post
My 17 and a bit year old has just completed her driver's ed and should be driving very shortly. We are looking at cars for her just now. I like the look of the Kia Soul - it's cheap and has a long warranty - perfect for her. But we have called a few insurance companies and they are pricing the insurance at around $2,500-$4000 PER 6 MONTHS. Even for a base model with 4 doors! Am I missing something? That seems extraordinarily expensive. Any ideas to get the cost down? Are there any companies who deal especially with teen drivers?
Look at other cars. Sometimes one particular car can boost insurance rates and they have a hard time explaining why....

Originally Posted by md95065 View Post
It would probably cost much less (although it will still be expensive) to add her to your insurance rather than attempting to take out a completely separate policy for her.
I agree...
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Old Jan 9th 2011, 5:35 am
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Default Re: car insurance for teen driver - any suggestions?

You'd think so. But I called 21st Century (the company we have our car insurance with) first of all and they quoted $2,800 for 6 months. The problem is that they are happy to insure her to drive the Kia Soul but they also are insuring her to drive my V8 5.6 litre Armada and my husband's Camaro They cannot just cover her for her own car. Thing is, she will NEVER get to drive the Camaro and will not drive my car again after she gets her licence. Then we tried a whole load of other companies and they were around the same price (for a stand alone policy). I see kids whizzing around my neighbourhood in big shiny trucks, snazzy gas guzzling Mustangs and all other sorts of other pricey vee-hicles. Surely their parents are not spending this kinda money on insurance are they? I thought the little Kia would have been a good, sensible and affordable option but it seems not! Maybe I am being a little unrealistic?
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Old Jan 9th 2011, 5:41 am
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Lazzza View Post
My 17 and a bit year old has just completed her driver's ed and should be driving very shortly. We are looking at cars for her just now. I like the look of the Kia Soul - it's cheap and has a long warranty - perfect for her. But we have called a few insurance companies and they are pricing the insurance at around $2,500-$4000 PER 6 MONTHS. Even for a base model with 4 doors! Am I missing something? That seems extraordinarily expensive. Any ideas to get the cost down? Are there any companies who deal especially with teen drivers?
My son is 17 has his own policy for a VW Passat (dont quote me but its a big engine V6?) His insurance is $1600 a year thats the best policy available its through Farmers. Also we managed to get it down by about $300ish due to his grades at school being good, sorry this is a bit vauge he's just back from the UK and asleep (jetlag) so I cant ask him about the grades I'll let you know tomorrow.
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Old Jan 9th 2011, 6:02 am
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Lazzza View Post
You'd think so. But I called 21st Century (the company we have our car insurance with) first of all and they quoted $2,800 for 6 months. The problem is that they are happy to insure her to drive the Kia Soul but they also are insuring her to drive my V8 5.6 litre Armada and my husband's Camaro They cannot just cover her for her own car. Thing is, she will NEVER get to drive the Camaro and will not drive my car again after she gets her licence. Then we tried a whole load of other companies and they were around the same price (for a stand alone policy). I see kids whizzing around my neighbourhood in big shiny trucks, snazzy gas guzzling Mustangs and all other sorts of other pricey vee-hicles. Surely their parents are not spending this kinda money on insurance are they? I thought the little Kia would have been a good, sensible and affordable option but it seems not! Maybe I am being a little unrealistic?
We looked into this when our daughter started to drive. I'm afraid that's the norm here...everyone in the household is insured to drive every vehicle in the household.
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Old Jan 9th 2011, 6:04 am
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Jerseygirl View Post
We looked into this when our daughter started to drive. I'm afraid that's the norm here...everyone in the household is insured to drive every vehicle in the household.
Not necessarily, thats why we use an agent through Farmers, due to my husbands 2 cars being expensive and requiring specialist insurance, we had to ensure my son wasn't on his policies, it can be done.
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Old Jan 9th 2011, 7:30 am
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by traceym View Post
Not necessarily, thats why we use an agent through Farmers, due to my husbands 2 cars being expensive and requiring specialist insurance, we had to ensure my son wasn't on his policies, it can be done.
Yes, but even then don't they still want to know about all licensed drivers in your household and doesn't that still have the potential to increase your husband's insurance rates?
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Old Jan 9th 2011, 7:41 am
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by md95065 View Post
Yes, but even then don't they still want to know about all licensed drivers in your household and doesn't that still have the potential to increase your husband's insurance rates?
I'm really not sure of the ins and outs but sorry I did word that wrong, yes they are aware, husbands insurance has not increased however. Thats why we got son his own insurance rather than add him to mine it actually worked out cheaper for us.
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Old Jan 9th 2011, 3:20 pm
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Jerseygirl View Post
We looked into this when our daughter started to drive. I'm afraid that's the norm here...everyone in the household is insured to drive every vehicle in the household.
When you have full coverage insurance, anyone (with your permission) is allowed to drive your car.... Of course you assume the risk and it counts against your insurance.... I wonder if it isn't better for the teen to have their own insurance, because if they wreck their car on the family insurance, the increase in premium would be massive?
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Old Jan 9th 2011, 3:25 pm
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Default Re: car insurance for teen driver - any suggestions?

If you have another driver in the household, even one with their own vehicle and separate insurance, since that driver is a family member it was my belief that your rates would go up automatically because of the additional driver and more so because it is a teenager with a spanking new license and driver's record. So don't be surprised if 21st Century doesn't up your rates. Saying she won't be allowed to drive you car is pointless. She is a member of the household with access to the car keys.

And yes, families will pay that rate for insurance. It is the age of privilege and entitlement remember.


Originally Posted by Lazzza View Post
You'd think so. But I called 21st Century (the company we have our car insurance with) first of all and they quoted $2,800 for 6 months. The problem is that they are happy to insure her to drive the Kia Soul but they also are insuring her to drive my V8 5.6 litre Armada and my husband's Camaro They cannot just cover her for her own car. Thing is, she will NEVER get to drive the Camaro and will not drive my car again after she gets her licence. Then we tried a whole load of other companies and they were around the same price (for a stand alone policy). I see kids whizzing around my neighbourhood in big shiny trucks, snazzy gas guzzling Mustangs and all other sorts of other pricey vee-hicles. Surely their parents are not spending this kinda money on insurance are they? I thought the little Kia would have been a good, sensible and affordable option but it seems not! Maybe I am being a little unrealistic?
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Old Jan 9th 2011, 3:27 pm
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Lazzza View Post
You'd think so. But I called 21st Century (the company we have our car insurance with) first of all and they quoted $2,800 for 6 months. The problem is that they are happy to insure her to drive the Kia Soul but they also are insuring her to drive my V8 5.6 litre Armada and my husband's Camaro They cannot just cover her for her own car. Thing is, she will NEVER get to drive the Camaro and will not drive my car again after she gets her licence. Then we tried a whole load of other companies and they were around the same price (for a stand alone policy). I see kids whizzing around my neighbourhood in big shiny trucks, snazzy gas guzzling Mustangs and all other sorts of other pricey vee-hicles. Surely their parents are not spending this kinda money on insurance are they? I thought the little Kia would have been a good, sensible and affordable option but it seems not! Maybe I am being a little unrealistic?
I still think I'd do some research on cars that may be more affordable with insurance.

Here's one link: http://www.ehow.com/facts_5068133_ca...insurance.html
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Old Jan 9th 2011, 3:28 pm
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Rete View Post
If you have another driver in the household, even one with their own vehicle and separate insurance, since that driver is a family member it was my belief that your rates would go up automatically because of the additional driver and more so because it is a teenager with a spanking new license and driver's record. So don't be surprised if 21st Century doesn't up your rates. Saying she won't be allowed to drive you car is pointless. She is a member of the household with access to the car keys.

And yes, families will pay that rate for insurance. It is the age of privilege and entitlement remember.
I've heard that one as well....

Maybe ask Manc, he used to (don't know if he still does) sell insurance. Although not sure if it was auto insurance....
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Old Jan 9th 2011, 7:04 pm
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Default Re: car insurance for teen driver - any suggestions?

We've just put our 16 year old on our insurance for an extra $1000 a year with allstate.
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Old Jan 9th 2011, 11:02 pm
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Default Re: car insurance for teen driver - any suggestions?

Originally Posted by Lazzza View Post
You'd think so. But I called 21st Century (the company we have our car insurance with) first of all and they quoted $2,800 for 6 months. The problem is that they are happy to insure her to drive the Kia Soul but they also are insuring her to drive my V8 5.6 litre Armada and my husband's Camaro They cannot just cover her for her own car. Thing is, she will NEVER get to drive the Camaro and will not drive my car again after she gets her licence. Then we tried a whole load of other companies and they were around the same price (for a stand alone policy). I see kids whizzing around my neighbourhood in big shiny trucks, snazzy gas guzzling Mustangs and all other sorts of other pricey vee-hicles. Surely their parents are not spending this kinda money on insurance are they? I thought the little Kia would have been a good, sensible and affordable option but it seems not! Maybe I am being a little unrealistic?
It's kind of crap, but you've got to suck it up or have her live somewhere else because often, once they're old enough to drive, they'll be presumed to be driving your car even without permission...

Either that or sell your monster cars....

They could also get an old banger, that'll help and then state minimums.
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