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Adding a teenager to my insurance policy….

Ummm why does my monthly premium double?

In any case I’m not the one paying it. The teenager is.

He scrounged up enough money to buy himself a little starter car.

Case in point my husband and I have a monthly premium of $258 for a 2022 suburban and a 2016 minivan.
Adding my teen and his little 2002 hatchback raised our premium $250

We added him to our policy to get the discounts
Our cars have Liability, collision and comprehensive with $100 deductible

His has liability and collision no comprehensive and a $500 deductible….

It’s insane honestly 😭😭😭
Good thing he has a job* and is paying for it.

If he purchased his own policy his monthly premium would be $315 to $380
And progressive quoted a whopping $635 a month! 😳😳😳


Do they realize teens mostly get minimum wage jobs they’re working just to afford car expenses 😅😅😅

Good things he’s applying to the electrical union once he graduates from HS
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SunshineGirl · 36-40, F
Similar price in my country. Reflects the level of risk to the insurer. Unless he has an immediate practical need for a car of his own, best to delay it for as long as possible and the cost will reduce.
KaysHealingPath · 36-40, F
@SunshineGirl he’s got a job and where I live the bud stops running at 10pm and some days his shifts go past 11pm (midnight or 2 am) so yes, he does have a need for a car.

If I still lived in the city the major streets run 24/7 he’d probably still have to walk a few blocks here and there but that’s better than where we’re at now
SunshineGirl · 36-40, F
@KaysHealingPath That's frustrating for a young person when they are just trying to get on with their life.