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States vary widely on this stuff
Posted by Noel (more from Noel) on Fri, 9 Aug 2013 13:24:21
In Reply to: Car INS Help needed, Steven, Thu, 8 Aug 2013 18:53:06
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But having older cars, and only insuring the new driver on the oldest car(s) may help, if you can do it.
As I recall, we added a car for our first kid and put her on that as the primary driver. She could still drive the other cars, but her main ride was the old 9K we bought. Did the same with kid #2 five years later. Also, the kids weren't putting on a lot of miles, which seemed to help.
But that's in New Hampshire, which is mostly rural and insurance laws are a bit flexible. And we don't have late model cars. The newest car is an '03 9-5 wagon, the oldest is my '96 9K. The '99 and '00 9-3s are in the middle. I think we pay $1700-ish for all four with pretty decent coverage. But the kids are older now, 20 and 25. Still cheaper to keep them on the overall policy. But even when they were new drivers the rate wasn't a huge increase. Rural state helps.
I did find that shopping made a HUGE difference. The company we'd been with for years hit us with a 50% increase, even with the house on the deal--and no claims at all. I walked. The next place was good for 3 years then hit us with a 30% hike with no claims. Walked again. Using Liberty Mutual now. So far so good. Progressive and the Gecko were obscene and State Farm was totally nuts.
Posts in this Thread:
- Car INS Help needed, Steven, Thu, 8 Aug 2013 18:53:06
- Re: Car INS, Tom G , Fri, 9 Aug 2013 18:49:30
- States vary widely on this stuff, Noel, Fri, 9 Aug 2013 13:24:21 <-- Viewing This Message
- Re: Car INS Help needed, Ultimated, Fri, 9 Aug 2013 05:01:09
- Re: Car INS Help needed, Cary, Fri, 9 Aug 2013 04:30:02
- Re: Car INS Help needed, SRS900S, Thu, 8 Aug 2013 19:21:57
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