What’s everyone using? For two vehicles in my signature I pay 315 a month with AAA. 500 deductible. I’ve heard adding a 16 year old son is going to double my premiums. I may have to shop around.
Auto insurance
- Thread starter ARB1977
- Start date
Recent data:
The day after backing into me and exchanging info civilly, the lady's insurance company knew me by name and expedited my remedy by suggesting what I KNEW TO BE quality body shops in my immediate area.
It was as efficient as it possibly could have been.
She had USAA.
The day after backing into me and exchanging info civilly, the lady's insurance company knew me by name and expedited my remedy by suggesting what I KNEW TO BE quality body shops in my immediate area.
It was as efficient as it possibly could have been.
She had USAA.
Do you have local independent agents in TX? They can shop multiple companies for you.
There is no answer because each company maintains their own strategy and own book, so today your cheapest might be company A, and tomorrow it might be company B, depending on what risk level they wish to add.
Additionally every company offers teaser rates, with the plan to increase over time.
Start by shopping online and as well see if an independent agent will shop also. My recent experience with Agents has been poor however.
And yes, my guess is your son will double your rates, or close to it.
Additionally every company offers teaser rates, with the plan to increase over time.
Start by shopping online and as well see if an independent agent will shop also. My recent experience with Agents has been poor however.
And yes, my guess is your son will double your rates, or close to it.
We are with State Farm, generally happy with them. I shop our rates every renewal period, usually with the "big guys" and a local independent agent. Most of the independent agents ("Goosehead" especially) I've encountered end up being pretty useless, just young and inexperienced salespeople that can't answer any policy-related questions, and just want to farm you off to a call center outside of sales.
At my last renewal in January, SF was substantially higher than past period, so we switched to Progressive and saved ~1100/6mo. A couple weeks ago or so, our SF agent called me and offered a quote, and ended up being a few hundred cheaper than Progressive.
Currently at $1400/6mo for 250/500/250 with $1k deductibles on the two vehicles in my .sig -- wife and I are in our 30's, Houston area, spotless credit and relatively decent claim history other than a hit-and-run a couple years ago.
At my last renewal in January, SF was substantially higher than past period, so we switched to Progressive and saved ~1100/6mo. A couple weeks ago or so, our SF agent called me and offered a quote, and ended up being a few hundred cheaper than Progressive.
Currently at $1400/6mo for 250/500/250 with $1k deductibles on the two vehicles in my .sig -- wife and I are in our 30's, Houston area, spotless credit and relatively decent claim history other than a hit-and-run a couple years ago.
I have USAA. My wife had State Farm WAY BACK and they gave us all sorts of hassles for glass repair even though we paid extra for glass coverage. 2 claims in 1 year for windshield they said they would drop us on the next one. Put her car on USAA as soon as we got married, no issues since.
I shopped around some recently and didn’t find much better prices. I’ve had no issues with USAA or their customer service. I am on Long Island in NY so rates higher than many places. I have full coverage on all of the vehicles.
That said I pay $700/month for 5 vehicles. My son is 24, my daughter is 21, my father-in-law is 79. FIL’s part of the bill is $170/month for his 2016 Jeep Renegade. Defensive driving discount. 1 local speed ticket last year (30 in a 25) and no accidents for probably 20 years.
Daughter is primary driver on ’08 CRV with 243k ~ 5k per year, no tickets/accidents, defensive driving discount.
Son is primary driver on ’10 Forte with 190k ~ 5k per year, no tickets/accidents, defensive driving discount.
’19 Pilot listed at 10k per year.
’17 Accord listed at 10k per year.
I shopped around some recently and didn’t find much better prices. I’ve had no issues with USAA or their customer service. I am on Long Island in NY so rates higher than many places. I have full coverage on all of the vehicles.
That said I pay $700/month for 5 vehicles. My son is 24, my daughter is 21, my father-in-law is 79. FIL’s part of the bill is $170/month for his 2016 Jeep Renegade. Defensive driving discount. 1 local speed ticket last year (30 in a 25) and no accidents for probably 20 years.
Daughter is primary driver on ’08 CRV with 243k ~ 5k per year, no tickets/accidents, defensive driving discount.
Son is primary driver on ’10 Forte with 190k ~ 5k per year, no tickets/accidents, defensive driving discount.
’19 Pilot listed at 10k per year.
’17 Accord listed at 10k per year.
@ARB1977 - For your son – look at an older 4 door, 4 cylinder unless when you plug in details all the newer safety things compensate via discounts. Expect scratches in school parking lots not necessarily from him. Both my kids had that issue from others. What they got wasn’t what they wanted but what I could afford. They learned to drive safely. Both went to streetsurvival which I highly recommend. I helped fix the cars up for them. Good tires, brakes, better hands free sound, some better lighting. They help maintain and clean them and the small repairs as needed. They know how to change tires with the factory trunk supplied tools. They check fluids and pressures.
When the kids had after school/part time jobs they helped contribute ½ of their added insurance cost. If you can afford to swing without using that, some parents saved that money for them in a separate account to give back later on for future car/life things.
When the kids had after school/part time jobs they helped contribute ½ of their added insurance cost. If you can afford to swing without using that, some parents saved that money for them in a separate account to give back later on for future car/life things.
I was with Liberty Mutual for 17 years for home and auto. This last renewal in Dec 2024, the premiums jumped quite a bit more than usual so I shopped around and got a quote from NJM which is a regional company here in the northeast. I ended up saving over $5000.00 annually (yes, five thousand!) even though I upped my coverage with an Umbrella policy included. Even though I was ecstatic at the savings, I can't help but have some regret at all the money I wasted by blindly sticking with L/M all these years.
Based on my experience, at every renewal, go online and get some quotes just to make sure you are not overpaying. About 15-20 minutes on the computer is all it takes to get a quote. Time well spent!
Based on my experience, at every renewal, go online and get some quotes just to make sure you are not overpaying. About 15-20 minutes on the computer is all it takes to get a quote. Time well spent!
Thanks he’ll be getting a 2001 F150 5.4L with 120K. It was my father in laws truck who passed away.
AAA became to expensive for me so searched and found Farm Bureau to be a better option in my area. I saved just over $1600 a year between Auto, home and umbrella policy switching.
To answer your original question, yes, adding a new teenage driver will considerably raise your overall premium. When our oldest was 17 and got his license, adding him (with a well-used 1989 Plymouth Sundance) resulted in about a 40% premium bump. After one six-month policy term, he went solo and got his own policy (liability only) and we took him off ours. He's always been a great driver for a kid, especially since we sent him through a comprehensive driver safety and emergency handling course.
Since he established himself rather early in his driving life and has since built a super-clean record, his insurance right now (as a 25-year-old soldier stationed in CA) is actually very reasonable for full coverage on a 2019 Frontier.
I'm assuming liability-only on a 24-year-old truck?
Since he established himself rather early in his driving life and has since built a super-clean record, his insurance right now (as a 25-year-old soldier stationed in CA) is actually very reasonable for full coverage on a 2019 Frontier.
I'm assuming liability-only on a 24-year-old truck?
Liberty, last I knew we were at $5k/yr with two teen drivers. Our two late model cars are stupid in costs and I would love to trade out of one of them on that basis alone. But the one with liability-only isn't so bad, like $800 or so for just that 20+ year old car.
Daughter had a homework assignment and had to do something with getting quotes; it was all but a real try to find insurance costs on her own. Something like that. Wife looked at the results and it sounded like Liberty wasn't far from the others--we should shop around, but I'm not sure it'll save that much.
Daughter had a homework assignment and had to do something with getting quotes; it was all but a real try to find insurance costs on her own. Something like that. Wife looked at the results and it sounded like Liberty wasn't far from the others--we should shop around, but I'm not sure it'll save that much.
Still Progressive. Bundled with umbrella and home, no one within $400-500 YET still dang expensive!
JHZR2
Staff member
Four cars on main policy, highest levels of protection, $1k deductibles on cars with full coverage. $2700/yr in NJ which has $$ insurance.
You might want to give Matic Insurance services a call, they can shop around for you and find the best deals by comparing a bunch of companies. I've used them over the last 5-6 years to find better deals when renewal time comes around and everything goes up without a reason (no claims, no changes, etc.)
Just the other day I called them to get home + auto insurance renewals with different companies than I was with previously, because prices were almost doubling for no reason. Now I'll be saving money on auto and keeping the same home ins price for the next year, saving me about $1,600 a year.
Just the other day I called them to get home + auto insurance renewals with different companies than I was with previously, because prices were almost doubling for no reason. Now I'll be saving money on auto and keeping the same home ins price for the next year, saving me about $1,600 a year.
Tried them before, just now again. Actually Safeco came a bit closer than a couple months ago
