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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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For practice, just stand there and let the wife kick you in the balls three times a day. That is what it is like with teenage drivers on your policy.


I would also be prepared to shop your insurance around every year. That’s the only way to keep your rates down. Some carriers offer good grades discount for the teenagers.

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20 hours ago, luke duke said:

Is there a way to insure a kid for certain vehicles and not others?

I think insurers are way smarter than their customers on making sure they get paid and risk is tolerable.  They also know that having a teenage driver in the house no matter if they have a car or even drive puts every other car at that house in danger just by their friends coming and going in their cars.

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Just so he knows how things work in world, have the insurance agent prepare the standard quote as a new driver with no accidents or tickets.  Get a second quote for accident and/or tickets and let him digest that information.  Then explain how driving is a privilege not to be taken lightly.  

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I just joined this club it’s not going to be fun. Kid is super responsible but I expect something. It’s all part of growing up and raising them

We get discounts for good grades etc but it just feels like bullshit from State Farm to make me feel a little less bent over

I’ve never shopped around and have been with the same SF guy for 30+ years but I may need to. He’s always been solid when we needed them though which has been my reluctance to switch

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Funny thing, although Dad was a vet and qualified for USAA even under its old rules, we had Allstate because Dad worked for Sears early in his career.

We switched to USAA when I got my DL because it was the cheapest, and cheapest across the board.

I think part of USAA's problem is having increased the coverage pool

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22 hours ago, MonkeyDoughnut said:

I think insurers are way smarter than their customers on making sure they get paid and risk is tolerable.  They also know that having a teenage driver in the house no matter if they have a car or even drive puts every other car at that house in danger just by their friends coming and going in their cars.

Of course they are. They employ actuaries by the hundreds/thousands that all they do all day long is crunch numbers.

 

16 hours ago, TwiceHorn said:

Funny thing, although Dad was a vet and qualified for USAA even under its old rules, we had Allstate because Dad worked for Sears early in his career.

We switched to USAA when I got my DL because it was the cheapest, and cheapest across the board.

I think part of USAA's problem is having increased the coverage pool

This is absolutely what happened. Customer service has fallen off a cliff compared to what it once was. That said, it's still probably about as good a landing spot as any in the sub-HNW world. USAA's rates are still extremely competitive and I'd definitely trust them more than State Farm, Allstate, Farmers or worse in a claims situation.

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