Cheapest Insurance Coverage for Adding a Teenage Boy?

Updated on January 06, 2010
B.B. asks from Frisco, TX
6 answers

I just got a quote from our current insurer, Liberty Mutual, and even with the Driver's Ed course discount and the Good Student discount, it's nearly doubling our premium. Does anyone have experience with this? $922/yr just for him...Yikes! Thanks in advance!

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answers from Dallas on

GEICO is usually the lowest insurance company I have found, and that's across many states. Review your policy, make sure you don't have duplicate coverages. For instance, if your deductible is $250 for your collision coverage and you have UMPD, drop the UMPD and keep the UMBI. Or, think about increasing your deductible and putting the deductible money aside in case you need it. If you have an older vehicle, make sure the car is worth more than what you are paying in annual premium for collision coverage. You can look into non-standard carriers like Fred Loya, Safe Auto, and Bristol West, but they usually have higher rates because they insure more "at-risk" drivers.

See if you can make him a weekend-only driver. My mother had GEICO and that's what she did with me until I got married/graduated college. You can also see if you can put him only on one car, but Texas policies usually don't work that way.

Whatever you decide to do, you should put him on your policy. I work for an auto insurance company. Technically, you don't HAVE to put them on the policy, but it will come back to bite you. I am in the claims department and yes, we handle claims where teens who are not a rated driver on the policy get in an accident. But we send a notice to underwriting who contacts your agent that your rate is increasing. So you can run the risk and hope they don't get in an accident. And just an FYI, ANYONE in your household who is a licensed driver and has regular use of your vehicle must be rated on the policy. It can be your child, cousin Susie, Aunt Barbara, Granddad Pete, or your best friend Bob. In the household = on the auto policy! HTH and GL!

1 mom found this helpful


answers from Dallas on

We actually found our insurance with Nationwide's Oldham Associates in Plano the cheapest; we have a bundle of boat, house, car. And we had two teenage drivers at the same time (one boy, one girl).


answers from Dallas on

I have a 15 yr old girl and we are with Farmers. I was told ours will skyrocket as well.

You do not "have" to insure your child unless they have a license. They fall into the category of your personal insurance and covered as a driver. That is of course UNLESS they have an incidnet and then you get hit with having to add them and costs going up.

That was "per my insurance agent".



answers from Dallas on

Same with us. We are with Progressive (it was the cheapest for my husband and myself). We pay $900 every 6 months for the two of us. One car comprehensive and one liability only. To had my 18 yo son, MORE than doubles our premium. Trying to find a way around it myself...sigh



answers from Dallas on

We have GEICO, no one even came close tho their pricing (but we don't have any teenage drivers either). Good luck!



answers from Dallas on

I am with Texas Farm Bureau and have found them to be the cheapest rates around. I tend to check on these things every so often just to make sure I am still getting a good deal and they are always the cheapest. Their customer service is awsome ! You might check them out and see what you come up with.

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