Teenager car insurance

[jmsa540]

Brother, that makes no sense. The rates shouldn't be different compared to a non-service member.

Am I missing something?

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[OETKB]

Am I missing something?

Don't mind that stick up his hindquarters. He gets testy sometimes.

 

[nxhappy]

buy the car, and they can get their own policy =)

 

[Zodiac]

buy the car, and they can get their own policy =)

That's what my parents did for me. Bought me a $500 86 Mustang convertible, I fixed it up and unfortunately paid the insurance. That shit was absurd in NY.

 

[nxhappy]

for liability reasons it's better if they have their own policy.

 

[raustin0017]

It's called a 'privilege or benefit' for volunteering to join the military and serving the Country. You know...the good ol Red, White, and Blue. Sort of like trying to drive on a military installation to shop at the BX to avoid paying taxes...give that a try and you will be turned around at the front gate by a 19 year old man/women who walked into a recruiter office and signed up.

Getting USAA is easy...just join the military.

USAA sux ass unless you are military current or retired or can be sponsored by a family member who already has insurance with them


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[RDJ]

It's called a 'privilege or benefit' for volunteering to join the military and serving the Country. You know...the good ol Red, White, and Blue. Sort of like trying to drive on a military installation to shop at the BX to avoid paying taxes...give that a try and you will be turned around at the front gate by a 19 year old man/women who walked into a recruiter office and signed up.

Getting USAA is easy...just join the military.

I see you totally missed the point of my post so let me clarify for you.

1. You like most USAA members AND the company tout the benefits without disclosing what the real requirements for getting insurance are.

2. Not everyone can join the military so it isn’t as easy as you seem to think.

3. There are other ways to serve ones country besides the military. I have spent most of my life working in some way for the government both as an employee and contractor, including 13 years in Iraq and Afghanistan.

4. My father spent 24 years on the military but because he never had USAA I couldn’t get it. While my daughter and her husband get it through his dad who is also retired military but had USAA.

My problem is not with me not being able to have it any longer I got over that a long time ago. My problem it the way people who have it talk about how great it is without disclosing that you have to be military to get it. The least you can do is be honest and up front about it but that seems to be beyond you ability

 

[RDJ]

Brother, that makes no sense. The rates shouldn't be different compared to a non-service member.

Am I missing something?

yeah you are. You can’t get it unless you are a service member. Or related to one that already has usaa. And that means immediate family only

 

[jmsa540]

Rdj, what makes usaa suck?

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[RDJ]

Rdj, what makes usaa suck?

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Read the two posts above yours

 

[jmsa540]

Ok, I will.

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[derklug]

If you don't mind losing everything you have, go ahead with the no insurance on the kid idea. If the car is in your name you will be held accountable unless you reported that your child stole the car.

 

[DaleM]

I see you totally missed the point of my post so let me clarify for you.

1. You like most USAA members AND the company tout the benefits without disclosing what the real requirements for getting insurance are.

2. Not everyone can join the military so it isn’t as easy as you seem to think.

3. There are other ways to serve ones country besides the military. I have spent most of my life working in some way for the government both as an employee and contractor, including 13 years in Iraq and Afghanistan.

4. My father spent 24 years on the military but because he never had USAA I couldn’t get it. While my daughter and her husband get it through his dad who is also retired military but had USAA.

My problem is not with me not being able to have it any longer I got over that a long time ago. My problem it the way people who have it talk about how great it is without disclosing that you have to be military to get it. The least you can do is be honest and up front about it but that seems to be beyond you ability

It is awesome. Oh, you have to have a military background or be related to someone in the military.

I did thought they were changing that but it is an afterthought more than our super secret club.

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[RDJ]

It is awesome. Oh, you have to have a military background or be related to someone in the military.

I did thought they were changing that but it is an afterthought more than our super secret club.

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Yeah they aint changing dick. Even on their face no page it is the same old shit. Tel half the truth and let thevsuckers figure out the rest lol

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[jmsa540]

Well, I couldn't be happier. They've always treated me right. I've been with them since 2009.

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[Malern28us]

If you dont shop around when it comes time to get your children car insurance, you have bigger problems.
Adding my child to our insurance for a 2002 Ford Taurus was $90/month for liability (Geico). The kid broadsided a SUV in the B pillar three weeks after being on her own. $5k damage to SUV, $1200 to her car. GEICO fixed the SUV, daughter got to show off broken plastic and crumpled hood everytime she drove.
Rates never increased by a penny.
Daughter moved out, tried to stay with GEICO, rates were $300/month for liability.
Convinced daughter to try USAA (she is in Air Force) on her own at 19 and her rates are $120/month for liability plus medical after another two accidents.
Just our experience....

 

[snakedoctor]

Been busy moving the past couple weeks. I added him to my insurance who happens to be Geico. It is costing me an extra $122/month. Is this the norm or should I shop around?

 

[OETKB]

Been busy moving the past couple weeks. I added him to my insurance who happens to be Geico. It is costing me an extra $122/month. Is this the norm or should I shop around?

Insurance changes state to state depending on your state's DOI. Where are you? That price doesn't seem out of line to me based on my experiences in NC.

 

[utlong31]

Been busy moving the past couple weeks. I added him to my insurance who happens to be Geico. It is costing me an extra $122/month. Is this the norm or should I shop around?

A little high but not to bad I have heard of a lot worse. Some of it depends on the vehicle that you have them listed under as there DD. It's cheaper to have them listed on an older vehicle with liability or at least it is in Texas. I have a 16 and 18 year old on mine.


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[sc98cbra]

thats a big no no and your claim can be denied for that. . . .

How do you know this?

Deeeeefinitely not true, put him on your insurance.....

See above.

No offense, but your sister-in-law is a balloonhead....

See above.

My answer: Read your policy. OP, where do you live? This would help a little.

In most states, and depending on your policy, there are two "types" (loosely speaking) of insurance. There is insurance that protects you and there is insurance that protects others. Insurance that protects you (a.k.a., first-party insurance) generally includes: collision coverage, comprehensive coverage, personal-injury-protection, MedPay, No-fault, under-insured motorist coverage (UIM), uninsured motorist coverage (UM). Insurance that protects others would be your liability coverage. In many states, liability coverage (a.k.a, third-party insurance) includes bodily-injury coverage (BI), group bodily injury coverage (GBI), and property damage coverage (PD).

Each state has different laws concerning mandatory coverage. Thus, any advice given by others could be wrong (including myself). Thus, read your policy! South Carolina, for example, mandates coverage of at least 25,000/50,000/25,000 and the equivalent uninsured motorist coverage.

Uninsured (UM) coverage has no bearing on this (unless your son is driving when one of the following occurs). Uninsured motorist coverage generally triggers where (1) the adverse driver is ILLEGALLY uninsured; (2) the adverse driver is LEGALLY uninsured; (3) adverse driver is a phantom driver/ hit-and-run; (4) Adverse insurance carrier successfully denies liability (e.g., where collision occurred at an intersection and it is disputed as to who ran the red light); (5) adverse insurance carrier is insolvent; or, (6) adverse driver has insurance less than your state's minimum requirements (UM will kick in to the extent that the adverse driver's coverage is less than the mandatory minimum) (this last one will most likely occur where the adverse driver is from another state that has less mandatory limits than your own).


Have you ever allowed a "friend" to operate your motor vehicle? They aren't listed on your insurance policy but would be covered, in many cases, under your vehicle's insurance policy. Have you ever operated a friend's vehicle? Have you ever operated an employer's vehicle? Why would your son be any different?

In some states, insurance will follow the named insured(s). In others, insurance will follow the vehicle. There's a big difference between these two. Read your policy!!

However, because your son lives with you, he will most likely be considered a Class 1 insured. A class 1 insured is usually defined as a person who is the named insured, the named insured's spouse, or a resident relative of the named insured (e.g., your son). A class 2 insured is usually defined as a guest or a permissive user (other than a class 1 insured). Thus, even where you don't expressly list him on your policy, he may still be covered when driving a vehicle owned by you. There are other issues with this practice, as well, but they are very limited.

I wouldn't purposefully conceal your son, but you may not need to list him. Read your policy.