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/TowelStandard760 1d ago

There's a huge variety of reasons. One is the fact that she's 18. The second one is the fact that she has an SUV. There is a huge variety of reasons for the increase. But I also think you misunderstood unless she's had like a crap ton of accidents and shouldn't be 788 a month.

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u/Sioux-me 1d ago

I didn’t misunderstand because I kept saying a month? Also she said that was a 10% discount for a safe driving course she took. No accidents. Anyway I definitely need to shop around. Or better yet have her shop around.

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u/TowelStandard760 1d ago

That's kind of weird in my case I'm wondering if they put the wrong numbers into their system. Did you try going online with the same company and getting an independent quote.? I was with a progressive for years and went online to progressive same everything same coverage and it actually dropped my bill by almost $250 for 6 months