My daughter has been on our Hub Int. account for the last eight years but since she has flown the coop it's time she had her own policy. I am astounded at how much MORE it will cost her independently. Even at lower coverage amounts she will pay 57% MORE than we have been paying to include her on our policy ($1400 to $2200/yr). I checked with a few other companies and the cost was even higher. My daughter wants to try the GEICO website this weekend as a comparison. Wow.

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Ukulele music I couldn't find anywhere else.
[colquhoun.info]

We found the same thing when our 20yo got a car. A premium on his own was very close to the premium for all three of us. And that's on GEICO. We kept him on our policy for now.



Edited 1 time(s). Last edit at 07/16/2024 12:55PM by Acer.

Yikes! Sounds like it's time for an agent to do the research. We engaged one and he saved us hundreds with Mutual of Enumclaw.

YMMV, of course.

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Edited 1 time(s). Last edit at 07/16/2024 12:59PM by lost in space.

Call a couple of places and try an independent agent.

I guess my auto insurance is rather cheap. I had to look it up to verify - we pay just under $900/year for two adults and one car.

I sure hope full self driving is available by the time my boys can drive

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Edited 1 time(s). Last edit at 07/16/2024 02:31PM by mattkime.

Yikes indeed. We pay $1600 a year for $$300k liability and full collision and comprehensive on three cars and two retired adults. And I don’t think fsd is going to affect rates at all - you will still be liable and you will still have to insure the risks.

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mattkime
Call a couple of places and try an independent agent.

I guess my auto insurance is rather cheap. I had to look it up to verify - we pay just under $900/month for two adults and one car.

I sure hope full self driving is available by the time my boys can drive

$900 a year right? We pay $225 a month for 2 drivers, 3 vehicles, and a camper.

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C(-)ris
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C(-)ris
$900 a year right? We pay $225 a month for 2 drivers, 3 vehicles, and a camper.

Correct and corrected

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lost in space
Yikes! Sounds like it's time for an agent to do the research. We engaged one and he saved us hundreds with Mutual of Enumclaw.

YMMV, of course.

Enumclaw? I was just there last weekend while visiting Carbonado. Neat place.

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Dave,

Don't skimp on the coverage. Never a good thing when it comes to auto insurance (or homeowners for that matter). Ask your agent to find any discounts available, i.e. good student. Definitely make sure she takes a state qualified defensive driving class. That'll reduce the cost of insurance, too.

Key when comparison shopping. One of the tricks some companies use to be less expensive is to change the coverage in certain areas. Make sure the policies are identical. I do this and the costs end up relatively similar once I make sure the quotes are identical.

Any chance you (and, in turn, she) is qualified to get insurance through USAA? Excellent insurance and phenomenal rates.

Robert

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Robert M
Any chance you (and, in turn, she) is qualified to get insurance through USAA? Excellent insurance and phenomenal rates.

Think its worth having my father sign up so I can get access? He's a veteran but hasn't yet used USAA.

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Consumer Reports rated USAA as the best insurance but we are a non-military family. Thanks for all of the good advice.

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Ukulele music I couldn't find anywhere else.
[colquhoun.info]

Matt,

USAA offers a slew of products. Bank accounts and other financial services. Insurance. Travel related services. Credit cards. Loans of various types. Tons of stuff. The only reason I don't have my auto, personal liability and homeowners with USAA is because they don't insure co-ops.

You can get some of the perks without full membership. I had a credit card with USAA before I got married. I wasn't eligible for anything else.

My father-in-law switched to USAA for homeowners insurance. One he did that, my wife's membership went from a partial membership like mine to a full membership with all the bells and whistles. Once that happened, my membership became a full membership, too. I immediately got a checking account and savings account.

We used their travel related services to get an amazing deal on a cruise. Saved a _huge_ amount and built up points towards another trip. We'll check what USAA travel services can do for us on our next big trip. And, when I check out insurance - I do it twice a year - I'll see if they finally do co-ops. If USAA does and the price for auto, homeowners and personal liability is still solid, I'll jump ship to them immediately.

Have your father check out what USAA has to offer. He might find it's worth signing up for insurance or one of the other products. Once he becomes a member, you can become a full member since you're immediate family.

Robert

P.S. USAA was excellent when it came to keeping insurance on my father-in-law's home while we handled his estate. Competitors were _way_ more expensive and made things unnecessarily complicated.



Edited 1 time(s). Last edit at 07/16/2024 05:35PM by Robert M.

Does AAA offer auto insurance at good rates?

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Ukulele music I couldn't find anywhere else.
[colquhoun.info]

Quote
Robert M
Matt,

USAA offers a slew of products. Bank accounts and other financial services. Insurance. Travel related services. Credit cards. Loans of various types. Tons of stuff. The only reason I don't have my auto, personal liability and homeowners with USAA is because they don't insure co-ops.

You can get some of the perks without full membership. I had a credit card with USAA before I got married. I wasn't eligible for anything else.

My father-in-law switched to USAA for homeowners insurance. One he did that, my wife's membership went from a partial membership like mine to a full membership with all the bells and whistles. Once that happened, my membership became a full membership, too. I immediately got a checking account and savings account.

We used their travel related services to get an amazing deal on a cruise. Saved a _huge_ amount and built up points towards another trip. We'll check what USAA travel services can do for us on our next big trip. And, when I check out insurance - I do it twice a year - I'll see if they finally do co-ops. If USAA does and the price for auto, homeowners and personal liability is still solid, I'll jump ship to them immediately.

Have your father check out what USAA has to offer. He might find it's worth signing up for insurance or one of the other products. Once he becomes a member, you can become a full member since you're immediate family.

Robert

P.S. USAA was excellent when it came to keeping insurance on my father-in-law's home while we handled his estate. Competitors were _way_ more expensive and made things unnecessarily complicated.

In order for me to benefit, does my father have to use any of their products or just sign up?

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new drivers, esp those who are under 18 and under 25, is a totally different animal than just regular ol' insurance. plus, age of car, value of car, where you live, city or suburb, number of vehicles on the road around where you live, etc, etc.

we had to add $1200 for two new drivers, and got a discount of about $100 on each for driver's ed, good transcripts, and something else I can't recall. and this is in a city, with a ton of cars, roads and crashes. so, might be less in the sticks.

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High on a threshold yearning to sing
Down with the dancers having one last fling

Our insurance has gone WAY up over the past few years. It seems like several changes hit at the same time. For example, it was deemed illegal for them to give me a "good credit discount" anymore. A law just went into effect in this state that requires insurance companies to detail how much individual changes affect rates. I'm glad they finally have that, but it's a little late. Plus I'd rather they just be able to charge people more appropriately.

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Quote
PeterW
And I don’t think fsd is going to affect rates at all - you will still be liable and you will still have to insure the risks.

The robots will be perfect.

20% in the past 12 months for us. Auto insurance is being used to cover losses on home insurance from storms and wildfires.

mature drivers 55+ can frequently get a small price break if you take a targeted defensive driving course for 55+ drivers. AAA has an online one for example.

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"Defending your own life when in immediate danger to me is a basic right of each person. " Lemon Drop 11/17/2023 03:10 pm

Heller, 554 U.S. 570 (2008) Private citizens have the right under the Second Amendment to possess an ordinary type of weapon and use it for lawful, historically established situations such as self-defense in a home, even when there is no relationship to a local militia.

"The conclusion is thus inescapable that the history, concept, and wording of the second amendment to the Constitution of the United States, as well as its interpretation by every major commentator and court in the first half-century after its ratification, indicates that what is protected is an individual right of a private citizen to own and carry firearms in a peaceful manner." Right to Keep and Bear Arms: Report of the Subcommittee on the Constitution of the Committee on the Judiciary, United States Senate, Ninety-seventh Congress, Second Session. U.S. Government Printing Office. 1982. Digitized September 30, 2008.

From the NYSRPA v Bruen "Today, we decline to adopt that two-part approach. . . . Despite the popularity of this two-step approach, it is one step too many. Step one of the predominant framework is broadly consistent with Heller, which demands a test rooted in the Second Amendment's text, as informed by history."

Matt,

Call USAA and ask.

Robert

When I was a young man crazy expensive car insurance was just an accepted cost.

"It'll go down when you turn 30" which sounded like it was 4000 years away.

Pity those peers who pulled DUIs. Their insurance cost thousands.

I have motorcycles insured now for $34 a month full coverage.

If you have a home, consider dropping your auto limits to $100k and get an umbrella policy that attaches to both policies at $100K. I saved a bunch of money by doing so and wound up with better limits for auto and home.