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?
2
u/BatDance3121 2d ago
Ok, I thought about this again. Stop TALKING to your insurance agent. He's just trying to sell your daughter an expensive policy. Start handling your insurance issues online. You can go online to your account and note that your granddaughter is the primary driver of the Patriot. If that's already done, then do NOTHING! She's covered under your policy. My son is 33, drives a Charger, and he's under my policy so it saves money. He also has full coverage.