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Car insurance - My 15yo son is getting his learner's permit in a couple of months - separate policy?


Elvis

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I am with USAA.

I have my GMC AT4 and Porsche Carerra S - comprehensive coverage

Priscilla drives an Audi Q5 - comprehensive coverage.  She wants me to buy her a Cayenne S, but that ain't happening soon because she's getting veneers on Monday.

My Avalanche has been in storage for a few years, but I kept liability coverage on it the whole time.

My son will be driving the Avalanche.

 

Can I move the Avalanche to a different insurance carrier and insure him separately?

Does he need to be insured with a learner's permit?  Or does the vehicle insurance cover any driver?

I want to get him a hardship so he can help me with work this summer and grow up fast.

What are the driving rules these days for permits and hardships?  Link?  


If not, I have a bunch of other questions.  

 

I need to be an expert on all of this.

 

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53 minutes ago, Elvis said:

Priscilla drives an Audi Q5 - comprehensive coverage.  She wants me to buy her a Cayenne S, but that ain't happening soon because she's getting veneers on Monday.

Yeah we were talking about that the other day in bed and I told her she needs to pick her battles. 

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He's covered on your USAA policy when he gets his learners. With USAA (unless they have changed), all drivers are insured on all cars and even your your kid driving someone else's car is covered. 

Could do separate policy, buy it will cost more in total. 

Prepare to bend over with USAA. Expect your rate to double.

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4 hours ago, MonkeyDoughnut said:

He's covered on your USAA policy when he gets his learners. With USAA (unless they have changed), all drivers are insured on all cars and even your your kid driving someone else's car is covered. 

Could do separate policy, buy it will cost more in total. 

Prepare to bend over with USAA. Expect your rate to double.

So can he insure son at Fred Loya for the avalanche, and then still be covered when he totals the Carerra?

USAA isn't cheap that's for sure, but they have been good at covering any of our losses in the past.  Insurance rates are out of control.  Shooting through the roof for cars, simply due to the need to recalibrate all the sensor technology from a minor front end collision.  Natural disasters are causing entire state redlining for some companies on Homeowners.  And insurers have no choice but to raise rates to be able to cover future claims.  I just wish it would top out.  At least on autos!

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Don’t need coverage for kid until he gets real driver’s license.

Do not “create” separate policy for kid. You’re responsible for him no matter what and will get sued in the event he’s responsible for an accidental anyways. Pricing will always be better just putting him with your own policy.

It sucks paying for insurance for underage drivers. Period. Don’t try and game the system. If something serious happens, and you’ve tried to game the system, you could get turbo-fucked.

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