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Forum » My 16 yr old just got his permit & added him to insurance. Hold me Misc!
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Thread: My 16 yr old just got his permit & added him to insurance. Hold me Misc!

post 1546082871 03-10-2018, 04:30 PM
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#61
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Originally Posted By DolphinPilot⏩
Ehh, my parents figured they would be with me so they would supervise me while I'm driving, yank the wheel, scream at me to get me to stomp the brakes, etc if I came close to hitting anything. They did, tho.
True, but I also don't want to yell at him the whole time and make him nervous. lol I feel like I did a good job being chill on our drive this afternoon. The only thing I really said was make sure you turn your head to look when changing lanes, not just look in side mirrors.
Originally Posted By Icemaing⏩
When I bought my first car I went with Liberty Mutual. Got into a crash in my first year but it wasn't by fault, dude wasn't paying attention and hit the back of my car. Next year the annual premium goes up, instead of down since I had my license for an year longer and didn't have any accidents that was my fault. Was pissed and did a quote with Geico, those fookers literally saved me 50-60% a month instead of the 15% they claim in the commercials. Every 6 months - 1 year my premium slowly kept decreasing as well. Never leaving Geico srs.
Srsly? I feel like I'm listening to a Geico commercial. lol
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post 1546083411 03-10-2018, 04:37 PM
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Originally Posted By Legz422⏩
Srsly? I feel like I'm listening to a Geico commercial. lol
Yes srs. I did a quote with Esurance as well but it was gonna be almost as much as what I was paying with Liberty Mutual. Got like 3 people I know to switch to Geico and they all are paying cheaper than before as well. And no I don't work for Geico, I'm a Carpenter and just finished Nursing school lol.
post 1546083651 03-10-2018, 04:39 PM
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The burdens of parenthood. You knew this day was coming dad. Now all you can do is just got to keep the warnings turned on until it burns into his psyche. Not too late to start that separate accident savings account.
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post 1546083951 03-10-2018, 04:43 PM
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Originally Posted By Icemaing⏩
When I bought my first car I went with Liberty Mutual. Got into a crash in my first year but it wasn't by fault, dude wasn't paying attention and hit the back of my car. Next year the annual premium goes up, instead of down since I had my license for an year longer and didn't have any accidents that was my fault. Was pissed and did a quote with Geico, those fookers literally saved me 50-60% a month instead of the 15% they claim in the commercials. Every 6 months - 1 year my premium slowly kept decreasing as well. Never leaving Geico srs.
Bruhh, I had Safeco, which is owned by Liberty Mutual. They overcharge like all fuk and play the "higher price for better service" angle. Then I got into an accident and they dicked around too much, one guy at Safeco even suggested I talk to the other driver's insurance and work things out with them myself. The fuk am I paying you for? Needless to say I changed insurance providers and yeah, most other providers charge much less. I'm with Nationwide now and it's 50% of what I used to pay.
post 1546084181 03-10-2018, 04:46 PM
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Is this full coverage or just liability insurance?
"
post 1546084191 03-10-2018, 04:46 PM
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Originally Posted By Icemaing⏩
Yes srs. I did a quote with Esurance as well but it was gonna be almost as much as what I was paying with Liberty Mutual. Got like 3 people I know to switch to Geico and they all are paying cheaper than before as well. And no I don't work for Geico, I'm a Carpenter and just finished Nursing school lol.
Originally Posted By DolphinPilot⏩
Bruhh, I had Safeco, which is owned by Liberty Mutual. They overcharge like all fuk and play the "higher price for better service" angle. Then I got into an accident and they dicked around too much, one guy at Safeco even suggested I talk to the other driver's insurance and work things out with them myself. The fuk am I paying you for? Needless to say I changed insurance providers and yeah, most other providers charge much less. I'm with Nationwide now and it's 50% of what I used to pay.
Chit guys! I have Liberty Mutual. lol Guess I'll be calling Geico tomorrow if they're open.
Originally Posted By KRANE⏩
The burdens of parenthood. You knew this day was coming dad. Now all you can do is just got to keep the warnings turned on until it burns into his psyche. Not too late to start that separate accident savings account.
It's mom, not dad. lol Yeah, knew it was coming but am shocked at the price. I was thinking it would add like a couple hundred a year, not 2K!
Originally Posted By JT11RTR⏩
Is this full coverage or just liability insurance?
Full coverage.
~ In a world where you can be anything, be kind ~
post 1546084661 03-10-2018, 04:52 PM
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Originally Posted By Legz422⏩
Chit guys! I have Liberty Mutual. lol Guess I'll be calling Geico tomorrow if they're open.
I think I did an online quote with them, and it came out exact or pretty close to what they ended up charging me. Sorry it was a few years ago and I got a bad memory lol
post 1546084711 03-10-2018, 04:53 PM
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Originally Posted By Icemaing⏩
I think I did an online quote with them, and it came out exact or pretty close to what they ended up charging me. Sorry it was a few years ago and I got a bad memory lol
No worries, I'll check it out tomorrow. Thanks for the info!
~ In a world where you can be anything, be kind ~
post 1546084821 03-10-2018, 04:54 PM
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Well, what'd you make yourself to drink?
Train hard, train smart, have fun!

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post 1546085291 03-10-2018, 04:59 PM
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Just make sure he drives safe, and no texting while driving.
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post 1546085531 03-10-2018, 05:02 PM
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Originally Posted By redraider86⏩
Well, what'd you make yourself to drink?
Nothing. lol I'm so not a drinker. I even have my favorite wine in the fridge. I always forget about it.
Originally Posted By Fang2⏩
Just make sure he drives safe, and no texting while driving.
Oh trust! He has been conditioned not to text and drive. I never do it and he even points out people doing it and how stupid they are.
~ In a world where you can be anything, be kind ~
post 1546086231 03-10-2018, 05:10 PM
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#72
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Originally Posted By Legz422⏩
Srsly? I feel like I'm listening to a Geico commercial. lol
When I had GEICO years ago they would only accept you if you had a perfect driving record. When I had my accident they paid up immediately and without question. Then cancel me a week after they sent the check.
Originally Posted By Fang2⏩
Just make sure he drives safe, and no texting while driving.
It won't matter much, ever if he's a perfect driver. His age and gender supersedes all. Still, you can always use those things to negotiate any discount you can get. It won't be dramatic, but a savings is a savings.
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post 1546086961 03-10-2018, 05:21 PM
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#73
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Originally Posted By KRANE⏩
When I had GEICO years ago they would only accept you if you had a perfect driving record. When I had my accident they paid up immediately and without question. Then cancel me a week after they sent the check.It won't matter much, ever if he's a perfect driver. His age and gender supersedes all. Still, you can always use those things to negotiate any discount you can get. The won't be dramatic but a savings is a savings.
Oh wow. Cancelled you just cause of an accident? That sucks.
~ In a world where you can be anything, be kind ~
post 1546087031 03-10-2018, 05:22 PM
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Originally Posted By Legz422⏩
Nothing. lol I'm so not a drinker. I even have my favorite wine in the fridge. I always forget about it.
Train hard, train smart, have fun!

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post 1546087141 03-10-2018, 05:24 PM
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Originally Posted By redraider86⏩
lol But sweets. They're a different story. They're my weakness and there is no forgetting when they're in the house lol
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post 1546088241 03-10-2018, 05:38 PM
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#76
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Originally Posted By Legz422⏩
Chit guys! I have Liberty Mutual. lol Guess I'll be calling Geico tomorrow if they're open.

It's mom, not dad. lol Yeah, knew it was coming but am shocked at the price. I was thinking it would add like a couple hundred a year, not 2K!

Full coverage.
Our insurance rates are super high (Tons of crashes, chitty people filing false injury claims during them, etc.). I know a guy that pays $600 per month after putting his 16 year old daughter on their insurance. So basically $7,200 per year on insurance for a husband and wife with no citations or crashes on their record, so their 16 year old can drive. I believe he and his wife were paying about $250 or 275 per month for just them prior to that. (Which is cheap for 2 vehicles full coverage here)



If I ever have a kid they are going to be driving a 10 year old 4 cylinder car with just liability insurance until they can pay their own vehicle note and insurance rates.
post 1546088481 03-10-2018, 05:43 PM
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Originally Posted By Legz422⏩
lol But sweets. They're a different story. They're my weakness and there is no forgetting when they're in the house lol
Ha. We are the exact opposite. I can keep all the sweets ever around the house, but a bottle of wine and a bag of Lays? Just lol.
Train hard, train smart, have fun!

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post 1546088911 03-10-2018, 05:50 PM
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That's why I excluded my teenager from my policy and got her a separate one. Too bad she backed into a car 4 months into driving. And the guy was shady so used insurance. 960 every 6 months. Was 520 before accident. (That's GEICO. She drives an 02 Tundra). I also added her after she got her license. She was covered on my policy during permit time.
post 1546092921 03-10-2018, 06:40 PM
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Originally Posted By guest89⏩
Our insurance rates are super high (Tons of crashes, chitty people filing false injury claims during them, etc.). I know a guy that pays $600 per month after putting his 16 year old daughter on their insurance. So basically $7,200 per year on insurance for a husband and wife with no citations or crashes on their record, so their 16 year old can drive. I believe he and his wife were paying about $250 or 275 per month for just them prior to that. (Which is cheap for 2 vehicles full coverage here)



If I ever have a kid they are going to be driving a 10 year old 4 cylinder car with just liability insurance until they can pay their own vehicle note and insurance rates.
I may just drop the full coverage. My car is 14 years old, but it only has 100K miles on it. Just didn't have to really think about it too much before since my coverage wasn't that much before adding him today.
Originally Posted By redraider86⏩
Ha. We are the exact opposite. I can keep all the sweets ever around the house, but a bottle of wine and a bag of Lays? Just lol.
Lol! That is complet opposite of me! I have the worst sweet tooth ever. It's a miracle I'm not fat!
Originally Posted By wowswift⏩
That's why I excluded my teenager from my policy and got her a separate one. Too bad she backed into a car 4 months into driving. And the guy was shady so used insurance. 960 every 6 months. Was 520 before accident. (That's GEICO. She drives an 02 Tundra). I also added her after she got her license. She was covered on my policy during permit time.
I don't understand how it's cheaper to have a separate policy? His rates are going to be astomical no matter what due to being a teen boy.
~ In a world where you can be anything, be kind ~
post 1546093331 03-10-2018, 06:45 PM
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Originally Posted By Legz422⏩
lol Black Panther was great! My son and I really enjoyed it. Have fun!
It was fantastic, had a great time. Our friend and her kids came with us, her daughter is a little smitten with me, she calls me precious James or PJ for short or uncle James lol and we went out for dinner afterwards and her mom says to her:”You barely touched your grilled cheese, are you sure you can eat an ice cream for dessert?” She says:” That’s just how I roll!”Funny kid.
On that anabolic time


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post 1546093871 03-10-2018, 06:51 PM
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u had a son bro, 50% chance to have a girl.. you made it
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post 1546094931 03-10-2018, 07:05 PM
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Originally Posted By Legz422⏩
I don't understand how it's cheaper to have a separate policy? His rates are going to be astomical no matter what due to being a teen boy.
I had two brand new cars with full coverage. It would've added 1k to my 6 month premium. So obv 520 was a better option. Too bad so scratched a bumper but she has a job and has to pay half of her insurance now.
post 1546094991 03-10-2018, 07:06 PM
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#83
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That should only be 20% of your daily salary
Ignore list:

Johnvee73
post 1546095051 03-10-2018, 07:08 PM
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First of all, you should have pulled out 16+ years ago.

Tell him to go get his own insurance.
post 1546095131 03-10-2018, 07:08 PM
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#85
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16? That means you had him when you were what, 48?

Impressive for an old broad.
I don’t want a large farva, I want a goddamn liter of cola

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post 1546096521 03-10-2018, 07:33 PM
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Originally Posted By JaymzJ⏩
It was fantastic, had a great time. Our friend and her kids came with us, her daughter is a little smitten with me, she calls me precious James or PJ for short or uncle James lol and we went out for dinner afterwards and her mom says to her:”You barely touched your grilled cheese, are you sure you can eat an ice cream for dessert?” She says:” That’s just how I roll!”Funny kid.
On that anabolic time

Hey that’s me!

Monkey see, monkey do. Pretty good for a little kid.
Glad you enjoyed it! So cute about your friends daughter. Would mirin your dinner but I had pizza! Was delicious!
Originally Posted By Leetdragoon⏩
u had a son bro, 50% chance to have a girl.. you made it
That's bro-ette to you. lol I am so thankful I had a boy and not a girl!
Originally Posted By wowswift⏩
I had two brand new cars with full coverage. It would've added 1k to my 6 month premium. So obv 520 was a better option. Too bad so scratched a bumper but she has a job and has to pay half of her insurance now.
Hmmmmmm........ I'll have to look into a separate policy for just him.
Originally Posted By MichelleLnne⏩
That should only be 20% of your daily salary
lol
Originally Posted By Jasonw1178⏩
First of all, you should have pulled out 16+ years ago.

Tell him to go get his own insurance.
I don't have a dik to pull out. I'm the mom! lol
Originally Posted By Fuqdatass⏩
16? That means you had him when you were what, 48?

Impressive for an old broad.
Hardy har har! So funny I forgot to laugh!

lolz
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post 1546097341 03-10-2018, 07:44 PM
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That's really nice of you to put your grandson on your insurance, Legz.
FL > PA
post 1546097611 03-10-2018, 07:49 PM
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Originally Posted By JaymzJ⏩
It was fantastic, had a great time. Our friend and her kids came with us, her daughter is a little smitten with me, she calls me precious James or PJ for short or uncle James lol
Knowing what I know about you this is probably the creepiest thing I've ever read
post 1546102161 03-10-2018, 08:59 PM
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#89
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Originally Posted By Roldz⏩
That's really nice of you to put your grandson on your insurance, Legz.
lmao! Cheeky boyo!
Originally Posted By Vhagar⏩
Knowing what I know about you this is probably the creepiest thing I've ever read
Hey now, you know I like you, but take that chit out of my thread. Please and thank you! Muah!
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post 1546124251 03-11-2018, 08:11 AM
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Originally Posted By Legz422⏩
Chit guys! I have Liberty Mutual. lol Guess I'll be calling Geico tomorrow if they're open.



It's mom, not dad. lol Yeah, knew it was coming but am shocked at the price. I was thinking it would add like a couple hundred a year, not 2K!



Full coverage.
Why not drop it to liability? A car from 2004 is not worth thousands of dollars a year in insurance. You can replace the car every other year for what you spend on insurance.
"
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