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Insuring your new 16 year old driver whilst at BS?

Scotland45Scotland45 Registered User Posts: 177 Junior Member
edited August 2010 in Prep School Parents
My S just got his drivers license and we have added him to our policy. We got a whooping $60 deduction because he goes to school 100 miles away from home and doesn't drive while he is there.

Hubbie is seriously considering removing S from our policy when he leaves in the fall and reinstating him next summer.

What do you guy's do, any suggestions?
Post edited by Scotland45 on

Replies to: Insuring your new 16 year old driver whilst at BS?

  • anothercrazymomanothercrazymom Registered User Posts: 1,736 Senior Member
    We left S on the policy, they want to drive when they are home, it stunk but no choice!
  • jshainjshain Registered User Posts: 5,469 Senior Member
    It costs me an additional $3 per day to add my daughter to my existing car insurance policy. She attends school in Boston and does not drive when she's at school. I remove her from my policy when she's away and when she comes home during holidays, breaks, and summer, I add her back onto my policy. Your son probably costs you a little more than this, since boys cost more to insure than girls. And thanks for the reminder.... my daughter just left for a brief study-abroad program yesterday for 3 weeks before returning home for one week. I need to call my insurance company and have her removed from my policy once again....
  • boardinboardin Registered User Posts: 28 New Member
    I'm a student, but the whole thing seems unnecessarily complicated to me too. One thing I'm having a problem with is registering for drivers-ed. It seems that if a cannot register in person on one of the designated dates (for which I will be at school) I cannot take a drivers-ed course. This will increase insurance rates. My parents still want to get be my license, I think they're sick of driving me to work, various activities, and friends houses, but it's looking like it will cost quite a bit. Has anyone else run into this problem?
  • goaliedadgoaliedad Registered User Posts: 2,199 Senior Member
    That wasn't much of a discount. I wasn't impressed with our discount, but at least it was 25% over the "living at home" rate.

    As to hubby's strategy - you may not be able to do that with your insurer, depending upon the state. Where we live, they insure all the licensed drivers in the house on the policy which includes students who use that as a permanent address. You can specifically exclude a licensed driver (typically because they have their own policy), but if said driver gets in an accident in your car, you have zero coverage from your policy.

    That being said, you can exclude him during this school year and if they don't want to add him in the summer, you can switch insurance companies.

    We kept goaliegirl on our policy because it wasn't horribly expensive where we live, but I definitely don't appreciate the smallness of the discount.

    @ boardin - you may have to take a private drivers ed course. Goaliegirl did and had an excellent ex-cop as an instructor. Costed a bit more, but definitely was worth it for the quality of instruction.
  • wcmom1958wcmom1958 Registered User Posts: 351 Member
    Our State Farm policy allows us to insure our teen - who will be boarding more than 100 miles away - for a reduced rate. In our case (rural) the total rate for adding our teen is less than $75 a year - which is manageable for the four months a year they're home. The one obstacle we were concerned about - signing up f2f for driver's ed while away - is not an obstacle after all. Driver's Ed is not a big advantage. By doing the "Steer Clear" program only, the advantage of doing driver's ed is only $5 a year added to the discount.
  • baystateresidentbaystateresident Registered User Posts: 601 Member
    $75/year to insure a teenager? We pay thousands- and that's with the driver's ed and good student discount. What general part of the country do you live in?
  • wcmom1958wcmom1958 Registered User Posts: 351 Member
    Ah yes, I remember living in MA and paying ridiculous rates. I live in the suburban/rural west now, but still think that "Steer Clear" might help anywhere - the trick is that it's only for four months a year.
  • Princess'DadPrincess'Dad Registered User Posts: 1,123 Senior Member
    If you are military (or x), USAA's cost is almost negligible for daughter (student)
  • Scotland45Scotland45 Registered User Posts: 177 Junior Member
    Princess'Dad- we are using USAA and the cost for our S is over $1000 extra a year!! That includes the $60 off because he doesn't drive 9 months of the year and is a good student. My hubbie inquired how much more for the next S and they quoted an additional $1400 a year.

    This is after 27 years of insuring with them and nearly perfect driving records, safe cars, etc...
  • boardinboardin Registered User Posts: 28 New Member
    Wow!!! I can't believe what you guys pay for insurance! Even with-out drivers-ed my insurance will cost $67 a year. I wonder why they vary so much...
  • Burb ParentBurb Parent Registered User Posts: 2,100 Senior Member
    Scotland -- If you can remove your son from the policy when he is not at home, then this sounds like the best solution. The problem with removing him altogether is that you want him to learn to drive under your supervision. It takes a long time to develop good driving skills. When else can he do this? If you wait too long, he will forget what he just learned. It would be good for him to go off to college with acceptable driving habits.

    BTW, where I live the price goes down as they get older.
This discussion has been closed.