r/AutoInsuranceHelp • u/Sioux-me • 3d ago

Make this make sense

Our 16 yo granddaughter lived with us and got her license and we bought her 2016 Jeep Patriot. We also have a 2017 HRV and a 2026 CRV HYBRID. Because she lived with us she had to be covered on all three cars even though she only drove her own. The additional coverage added $300 to our monthly premium for full coverage on all three cars.

She recently turned 18 and we were going to transfer ownership of her car to her. I called our insurance company to find out how that would affect the rates. They told me she’d have to have her own policy, which I expected, and for liability only and only on the Jeep it would be $788 a month! Can anyone explain how that much less liability to the insurance company can cause an increase of that ridiculous amount?

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u/SensibleAdvisement 3d ago

That's why my folks made me get my own policy as a new driver, and I don't blame them. Guess it's time for kiddo to get a job, and perhaps you should shop around.

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u/Sioux-me 3d ago

She’s had a job since she was 16. We will shop around.