Thats ridiculous...teen driver.

Davey Jones

Well-known Member
Location
Florida
Grandaughter (17) just got her drivers license and is occasionally driving my car alone with no other passenger in the car(my rules)
Somehow my insurance company(The Hartford) got a whiff of this new driver,and proceed to increase my policy from $1600 a year to $4,400 ,I later found out the State of Florida that requires this.

Sadly the kid is in tears now since she was told "you cant drive my car anymore".
I wouldn't mind paying 500-1,000 more but $4,400??? forget it.
 

I may have to have a talk with Flo or that little rat whatever it is.(G)

Ive been with THE HARTFORD for 15 years and cost them very little money on fender benders,I guess this is pay bacy time.
 
Definitely sounds like your insurance company doesn't trust your daughter's driving! Insurance company's can also raise a person's rate if they find out the vehicle is being used for business purposes. Some employer's make an employee use their own vehicle to make pick-ups and deliveries. They require the employee to have auto insurance and don't care that the employee's insurance cost will go up due to it.
 
Over here such an addition would not be considered unusual fo a 17 year old.

Most under 21s pay more for their insurance than they do for the car.
 
This is exactly what I have been trying to tell the foster agency! When we were first going through the process to become foster parents,one of the things that was discussed that was we are required to support the teens in getting their driver`s licenses by enrolling them in driver training and taking them out driving. When I heard that,I said "Umm,sorry,but I cannot afford to pay what my insurance rates would jump up to if I were to add a teen driver to my policy." So the trainer said that she understood and that we didn`t need to worry about it. Well,fast forward a few months and I had a teen girl who was eligible to get her permit. The case manager mentioned to me that I was required to help her get her driver`s license. I told him about my conversation with the trainer months earlier. He gave me every argument he could think of and I gave him every argument why not back-too expensive,too much risk of my car being damaged and I am not currently looking to purchase a new car-but the argument that finally shut him up was when I said "She cannot tell her right from her left! There is no way she would be able to pass the driver`s test until she can do that!" He realized I had a point and it was never brought up again. This was a girl who was going home soon anyway,and her mom did not even have a car-or rather,she had several cars in front of the house,none of which ran. So she wouldn`t be able to drive after she left here anyway. The next ten they brought me,a 17 yo boy,sat here at the intake and said getting his driver`s license was his #1 aspiration and re-enrolling in high school was #2. They brought him to me higher than a kite on drugs....oh yeah,he`s going to be driving my car for sure...NOT! I`ve already taken that responsibility with my own kids-I`ve paid my dues. It`s one of the things they are asking way too much from a foster parent IMO.
 
Well,getting the teens their driver`s licenses is one responsibility I`m definitely not going to undertake. It`s crazy to me that they even ask that of us! Funny though,when they are in a group home and the foster agency is responsible for them,they don`t teach them to drive....
 
Over here the insurance for a young driver under 25 years
is a scandal several thousands £££.

Some insurance companies reduce the premium if the drive
a small car, 1 litre engine, fit a "Black Box", have a "Dashboard
Camera", I don't know how much discount is involced, but I
believe that it is a lt.

Might be worth investigating.

Mike.
 
My experience has been that just about all insurance companies raise rates WAY up if there's going to be a teen driver behind the wheel. Usually more for boys than girls. You've gotta admit there's more risk of accident with a young, inexperienced driver behind the wheel, and generally speaking they take more chances than older, experienced drivers do.
 
That increase is ABSOLUTELY ridiculous! Find another company!

I may have to have a talk with Flo or that little rat whatever it is.(G)

Ive been with THE HARTFORD for 15 years and cost them very little money on fender benders,I guess this is pay bacy time.

That does seem steep. Maybe you should try shopping around.

I had Hartford for both auto insurance and supplemental insurance..Very low rates to sign up, but a sharp increase on the next years premium!! I dropped both...
 
I switched auto and homeowners insurance just last week. Old company was constantly raising rates. I have a perfect accident free record but they still were ripping me off. I changed to another company and save $700+ per year.
 
Flo has been good to us, it only cost us 65.00 a month more to add our granddaughter. We did have her get a part time job to pay for it, not sure how that equates to the cost on new tires ,for all the running around.
 
I paid my dues with both my girls when they got their licenses. It did help that they had driver training. Been there, done that. Looking for a new company as mine renews next month and renewal rate went up. I have no accidents or tickets and is for pleasure use only.
 
Does she live with you? If she has a different address I do not see how they could possibly assess your policy.How often does she drive? I always thought there was an exception for "occaisional" drivers to be covered
 
Does she live with you? If she has a different address I do not see how they could possibly assess your policy.How often does she drive? I always thought there was an exception for "occaisional" drivers to be covered
This thread is another oldie, bumped from 2015.

And I agree, how would they know unless they did an address cross-check on the driver's license or something...??
 
Does she live with you? If she has a different address I do not see how they could possibly assess your policy.How often does she drive? I always thought there was an exception for "occaisional" drivers to be covered
As long as she doesn't live with her grandparents, that should be the case.

Travelers pulled the same thing on my parents in 1959 after I received my driver's license when my mother called to add me to the policy. My parents changed companies.
 


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