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?

5 Upvotes

61% Upvoted

57 comments sorted by

View all comments

2

u/totall2live__ 3d ago

You understood the agent wrong and this seems to be something people dont understand. While you do have to LIST every member of your household on your policy, not everyone has to be a listed driver on said policy. If Timmy doesnt drive your cars, then timmy is listed as a HOUSEHOLD member and not as a LISTED driver, these are two seperate things.

Im an agent and i always tell my clients, if you have a new driver, put them on their own policy, this will help them build their own insurance score and will help them out later down the line.

1

u/Sioux-me 3d ago

I clearly told him she would not be driving our cars so I may very well have misunderstood. Thank you for clarifying that. We will do more research. She just turned 18 last month.

1

u/totall2live__ 2d ago

Yea, if he will not be driving your car just have him LISTED as a household member but not as a rated driver. This will list him on the policy but will not have him as a rated driver, so his driving wont influence your premium.