How much did your car insurance jump when you added a 16 year boy?

I have never added any teenagers! It is traditional in our family for the teenager to pay his own insurance if he wants to drive! It is common for males to pay a lot more for insurance until he turns twenty-five years old! Why do you have to sign him up for all the cars? Why not just his?

I would die if that was my insurance rate. I remember when my husband added me to his policy since I only became a "licensed" driver after I got married. He was insuring an RX-7 and my Civic LX and we only paid $246 a month for full coverage for both vehicles even with me being a new driver, but I was 20 years old. My 19 year old step brother with 3 points on his license was inquiring about insurance rates because I refuse to add him to my policy and getting the minimum required by PA state law is going to cost him $220 a month just for him. I would ask your insurance agent if it would be cheaper just to add him as a driver to one car only that he will be the primary driver of. That might save you a couple of bucks because an almost $2000 jump does seem a little excessive. I would carry some KY with you when you go to see your insurance agent. You might not get a kiss afterwards but you can at least try to ease the chaffing.

Our insurance was about $100 a month more when we added my son. They put him on the oldest car and that kept it down a little, multi-car discount, safe driving record and the good grade discount. He's 24 now and has his own policy on his car - with good coverage, he pays about $70 a month - I can't believe it's that good a rate. Nevada has extremely high insurance rates - ours doubled when we moved here and thank goodness I don't have to insure him.

I am in an insurance agent for Washington, Idaho, and Oregon. I am not familiar with Florida state rules, but I can tell you what affects the rates and how to help; maybe. I personally am with State Farm and have been for 9 years; I also added my son to my policy and it increased $1800 for the year. You need to know a few things that might be helpful. First of all most companies rate the highest rated car with the highest rated driver; which would be your son. Try to keep his record clean. Rates are based on where you live (zip code), who's in the household, financial responsiblity (credit), prior insurance liability limits, ages, type of cars, coverage, and driving records. If he only drives his car and never drives your cars you may be able to put a policy in your name and list him as a driver and list his car. I do not know if your current insurance company will allow you to exclude him or not, but its worth a try to save you money. You should also check around every 6 months to a year for better rates. Just because you have been with one company for a long time does not mean you are getting a good rate, and you do not owe your agent anything by being loyal. Insurance is expensive and the economy is not so good right now; you could save 20 to 50 per month why not try. Try to get your home, auto, life and such with the same company for good rates, see if your company offers good student discounts- have your son work to help out (my son works for Sonic-burger joint and pays his own insurance) Also some companies are not so bad with teen drivers; such as Safeco- Good credit helps too!! Good luck and hope it helps a little.