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Post by gale w on May 16, 2017 3:38:14 GMT
Just checking. Our premium for 6 months was $447. Adding ds (age 18, graduated, not a full time student) is adding $441 to the premium. This is the first kid we've had to add to our policy. Is it typical? Just wanted to check before doing any more price comparisons. This is with Geico and it's a new policy starting this week (our old insurance stopped selling in our state).
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Post by freecharlie on May 16, 2017 3:39:45 GMT
Unfortunately, yes. Unmarried males under 25 are incredibly expensive. We will be adding DS when he turns 16 at the end of June and I am not looking forward to it.
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Post by Basket1lady on May 16, 2017 3:43:52 GMT
We have USAA. Our insurance premium doubled as well. It's those male drivers under 25. When we added DD, our policy only went up $48 a month, and she has her own vehicle, while DS shared. For DS, it went up $92 (per month.) And that is with perfect driving records and good grades. DS was in an accident at 19, but thankfully the other driver was determined to be 100% at fault, so his rates didn't increase.
And to add salt to the wound, they only took off $64 (If I remember correctly) for him to be away at school without a car 9 months out of the year. So we now pay $488 for 6 months instead of $552. Whoo hoo (not!)
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Post by gale w on May 16, 2017 3:50:22 GMT
For some reason I thought maybe his grades plus the fact that he attended (and aced) driving school would help. But they said they don't factor any of that in at all. Bummer. I guess it's not a bad thing that he didn't get his license at 16. Our other two are girls so at least it won't be quite as painful with them.
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Post by freecharlie on May 16, 2017 4:07:59 GMT
For some reason I thought maybe his grades plus the fact that he attended (and aced) driving school would help. But they said they don't factor any of that in at all. Bummer. I guess it's not a bad thing that he didn't get his license at 16. Our other two are girls so at least it won't be quite as painful with them. Our insurance gives a discount for the driver's ed, but it must include the instructor driving portion |
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Post by gale w on May 16, 2017 4:29:16 GMT
What company is that? He had classroom and driving instruction.
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Post by mom on May 16, 2017 4:42:47 GMT
We put our 18 yr old son on his own policy to save money. His truck is listed on it but none of our other cars. We also get a good grade credit and credit for drivers Ed.
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Post by bc2ca on May 16, 2017 4:52:56 GMT
Unfortunately, yes. Unmarried males under 25 are incredibly expensive. We will be adding DS when he turns 16 at the end of June and I am not looking forward to it. DS was very indignant about the discrimination against males although he has cooled down on that given his red light ticket ($500+ more driving school) and rear ending another car in the last year. He also took off his sister's fender in our driveway because he was concentrating on not hitting my plants on the other side and forgot her car was there (we didn't go through insurance for that one). He did get a good student & driving school discount with Geico, but we still doubled our premium. |
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gorgeouskid
Pearl Clutcher
Posts: 2,517 
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Post by gorgeouskid on May 16, 2017 4:57:57 GMT
For some reason I thought maybe his grades plus the fact that he attended (and aced) driving school would help. But they said they don't factor any of that in at all. Bummer. I guess it's not a bad thing that he didn't get his license at 16. Our other two are girls so at least it won't be quite as painful with them. Oh god. DS turns 16 in June. He has good grades, and has driven more in his permit year than I drove until I turned 20 (and I went to university 360 miles from home.) I'm dreading adding him to our policy. |
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Jili
Pearl Clutcher
SLPea
Posts: 4,378
Jun 26, 2014 1:26:48 GMT
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Post by Jili on May 16, 2017 5:04:32 GMT
Our insurance doubled when we added our dd to the policy five years ago. Our younger dd will take her test this week. I'm dreading what our premiums will be from here on out.
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wellway
Prolific Pea
Posts: 9,203
Jun 25, 2014 20:50:09 GMT
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Post by wellway on May 16, 2017 6:22:17 GMT
Does the insurance company offer any incentives? like use a black box to monitor driving style and if it's good, after a given time they reduce the premium?
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Post by gale w on May 16, 2017 8:33:44 GMT
Unfortunately, yes. Unmarried males under 25 are incredibly expensive. We will be adding DS when he turns 16 at the end of June and I am not looking forward to it. DS was very indignant about the discrimination against males although he has cooled down on that given his red light ticket ($500+ more driving school) and rear ending another car in the last year. He also took off his sister's fender in our driveway because he was concentrating on not hitting my plants on the other side and forgot her car was there (we didn't go through insurance for that one). He did get a good student & driving school discount with Geico, but we still doubled our premium.I asked them about a discount for it and they said there wasn't one. She did note that he took driver's ed through a driving academy on the policy, and said that if at some point they allow discounts for that it would already be noted. Apparently the good student part only counts when they're still a student. Maybe it varies for different states. |
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johnnysmom
Drama Llama
Posts: 5,687
Jun 25, 2014 21:16:33 GMT
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Post by johnnysmom on May 16, 2017 9:25:53 GMT
hell im jealous that your premium is so low. Our rates will increase about $450/6mos when we add ds this summer. But we already pay almost $1200/6mos now for dh & I (clean records) and 3 cars (just average cars, full coverage). Stupid Michigan insurance (though it's one of the cheapest for teens and they don't discrminate on boys).
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eastcoastpea
Prolific Pea
Posts: 9,252
Jun 27, 2014 13:05:28 GMT
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Post by eastcoastpea on May 16, 2017 11:03:18 GMT
I'm pretty sure it's over $2,000 a year here for a teen boy.
I know insurance around here does give a discount if you do the drivers ed thing, but it's not a big discount like it used to be when I was younger.
Not looking forward to spending all of that money when my kids are old enough to drive.
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Post by teddyw on May 16, 2017 11:08:57 GMT
It' goes up for teenage girls too.
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Post by hop2 on May 16, 2017 11:11:57 GMT
For some reason I thought maybe his grades plus the fact that he attended (and aced) driving school would help. But they said they don't factor any of that in at all. Bummer. I guess it's not a bad thing that he didn't get his license at 16. Our other two are girls so at least it won't be quite as painful with them. We get a discount if our kids keep good grades. ( MetLife ) mine are 18 & 20. One high school and on in college. But they are full time students. Also we have been required to have them on our insurance since they were 17 and eligible for a license unless we could prove they are not licensed. DD was going to wait for her license but there was no point to that since we'd have to pay anyway. I'm surprised you didn't have to add him before. Your issue is he is male, under 25, not married and not a student. Statistically the most expensive to insure. |
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Post by hop2 on May 16, 2017 11:13:19 GMT
It' goes up for teenage girls too. It does but not as much, and it goes down sooner. |
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Post by littlemama on May 16, 2017 11:16:37 GMT
Just checking. Our premium for 6 months was $447. Adding ds (age 18, graduated, not a full time student) is adding $441 to the premium. This is the first kid we've had to add to our policy. Is it typical? Just wanted to check before doing any more price comparisons. This is with Geico and it's a new policy starting this week (our old insurance stopped selling in our state). Your annual premium, including an 18 year old is only $1800?? Our ds alone is $1800 of our $4300 annual premium. Wanna trade? |
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Post by littlemama on May 16, 2017 11:18:31 GMT
Also, with regard to girls, there are studies showing that girls are more dangerous on the roads than boys, due to distracted driving. Their premiums will likely be rising soon.
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Post by peano on May 16, 2017 11:19:50 GMT
Ours at least doubled after adding DS early this year, even after driver's ed and GPA discounts.
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Post by Basket1lady on May 16, 2017 11:38:43 GMT
For some reason I thought maybe his grades plus the fact that he attended (and aced) driving school would help. But they said they don't factor any of that in at all. Bummer. I guess it's not a bad thing that he didn't get his license at 16. Our other two are girls so at least it won't be quite as painful with them. We get a discount if our kids keep good grades. ( MetLife ) mine are 18 & 20. One high school and on in college. But they are full time students. Also we have been required to have them on our insurance since they were 17 and eligible for a license unless we could prove they are not licensed. DD was going to wait for her license but there was no point to that since we'd have to pay anyway. I'm surprised you didn't have to add him before. Your issue is he is male, under 25, not married and not a student. Statistically the most expensive to insure. You would not have had to insure him if he did not hold a driver's license and you can prove it by having your insurance company run it through their database. You are required to insure all LICENSED drivers in your household, regardless if they are driving, but not unlicensed drivers. That's why we are still required to insure our DS, even though he goes to school 1,300 miles from home. In Virginia, parents can opt to suspend their minor teens license if they choose (either because the rates are too high to pay or if they feel their teens are unsafe drivers. ) |
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sweetpeasmom
Pearl Clutcher
Posts: 2,832
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Post by sweetpeasmom on May 16, 2017 11:44:52 GMT
Every company is different. I work for one that does offer a discount for good student and one for defensive driver. If your son had classroom instruction as well as driving instruction, you'd qualify for the discount. It can't hurt to just shop. You'd be surprised. Also, make sure you yourself are getting the discounts you qualify for - multi-vehicle, home and auto, etc.
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used2scrap
Drama Llama
Posts: 6,147
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Post by used2scrap on May 16, 2017 11:56:06 GMT
I'm dreading adding ds to the policy (16 in Aug but can't test for license until Dec) as ours are already extra high from DH's multiple accidents in a short time frame.
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Post by littlemama on May 16, 2017 12:17:00 GMT
Driver's Ed is required here, so I suppose that is why they don't offer a discount for it!
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Post by melanell on May 16, 2017 12:59:07 GMT
From what I've heard, if it "only" doubles, you should consider yourself lucky.  We're creeping closer and closer to this these days. I'm dreading it. |
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Post by melanell on May 16, 2017 13:01:31 GMT
Driver's Ed is required here, so I suppose that is why they don't offer a discount for it! Driver's ed is required here through the public schools, but then the kids can do additional practice driving with a driving instructor and those additional hours make them eligible for discounts with most local companies. My son will definitely be doing the additional hours---not just for the discount, but because I think any practice is good, particularly practice with someone other than Mom & Dad. (At least for him.) Save |
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Post by underwatermama on May 16, 2017 13:07:43 GMT
And to add salt to the wound, they only took off $64 (If I remember correctly) for him to be away at school without a car 9 months out of the year. So we now pay $488 for 6 months instead of $552. Whoo hoo (not!) I am going to have to at least try and call them when oldest DS goes away in the fall. It can't hurt to ask, even if it is just a small savings. |
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Post by annie on May 16, 2017 13:13:48 GMT
$2,400 annually here for some us and some teen drivers. We shopped around and couldn't get any lower. Grrrr. So I'd say you've got a pretty good deal!
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Deleted
Posts: 0
Aug 18, 2025 20:58:07 GMT
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Post by Deleted on May 16, 2017 13:17:33 GMT
I lucked out. DS1 moved out to an apartment (cheaper than dorming) and borrows my car on occasion. He is covered as an incidental driver with no increase to our premium. He just turned 21.
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Post by twoboyzmom on May 16, 2017 13:17:44 GMT
My son didn't get his permit and will be 18 next month will just take test and get license. Will drive one of our vehicles to start with. I need to start shopping around for quotes now...i know it's stupid expensive.
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