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#1 |
Registered User
Join Date: Jul 2016
Location: Boston, MA
Posts: 2
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Insurance - Had Enough
Are any of you guys insuring a minor on your C10? I'm finding it to be a royal pain. Constant inquiries as if looking to find a way to cancel us. I just want a decent policy so the boy can be legal. This is not an expensive garage queen. I'd like for any insured member of the family to be able to drive it as desired, use it for whatever, and not worry about it. Just a basic policy to be legal and specify a reasonable value on the truck. I shouldn't have to agree to garage keeping, minimal miles, and keeping the minor away from it in order to have a basic policy like I described. Anyone find such a thing? At this point it would have been easier to throw the kid in a brand new Honda Civic rather than one of our old trucks that needs everything, yet the boy is willing to put in the time and effort to learn and do it all in order to have himself something he can be proud of.
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#2 |
Registered User
![]() Join Date: Oct 2011
Location: Victoria, B.C
Posts: 3,794
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Re: Insurance - Had Enough
Well, insuring a teenager on a car or truck is never cheap. They are the highest risk category out there....particularly if you want your vehicle insured for collision damage should it occur and with them at fault.
It recently has gone up due to the history of (all/most) teenagers being seemingly, addicted to texting....and they do this a lot while driving. Definitely one bad habit (...and this texting/habit is becoming the new 'drinking and driving'). You might have to 'pay the piper' on this one....or find a very cheap vehicle that isn't worth putting collision insurance on for them (him?) to drive....an old corolla or something like that. My two bits. all Good Coley
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....for some men, there is experience, skill and effort....for the others...there is visa and UPS LOL 1966 Chevy 1/2 ton (Florida- Red/white) 1972 Chevy 1/2 ton (California- Blue/white) 2005 Chevy Silverado HD2500/Duramax 2000 Dodge Ram 1500 |
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#3 |
Senior Member
![]() Join Date: Dec 2013
Location: Gods country East,Tn
Posts: 8,545
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Re: Insurance - Had Enough
Get out your check book it's gonna cost you . What you want and what they are willing to provide are going to be two totally different things for good reasons .you don't own the insurance company and they don't want the risk of a teenager driving a 50 year old truck with a higher risk factor than a civic
Put the truck in his name and pay the price or assume the risk keep it in your name and hope to God nothing ever happens when he's driving it because they'll deny coverage and any.damages or injuries and it will all fall on your shoulders . Sometimes things cost money weigh your options and decide which is more important ,your son cruising in a cool truck or the potential for serious financial damages against you .your singing to the choir many of us had to make this same decision many years ago and now it's just your turn .he has to wait until he's 18 . We were a lot more mature many years ago at 18 than today's 18year olds chasing some imaginary animal around town on a cell phone .
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![]() 1967 Factory short bed - Old school '71 - 350 / 4bolt / 487 heads / Edelbrock C3BX Muncie M-22 4 speed / Hurst Comp plus Factory 12 bolt posi 3.73 / 255-70-15 Smoothed firewall / Factory cowl induction Power disc brakes / power steering / 3.5-5" drop |
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#4 | |
Senior Member
![]() Join Date: Jan 2015
Location: Marquette Heights, IL.
Posts: 1,135
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Re: Insurance - Had Enough
Quote:
I am kinda grateful for this new game. It has our 12 yr old out of the house and running around for hours a day...instead of holed up in his room days on end. As for the insurance issue... pay the piper if you want to play the game. It will only be for a couple years and it will get better. Most of us have been there in the past.
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Jimmy Hoelzel |
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#5 |
Registered User
Join Date: Oct 2012
Location: Tyler, Texas
Posts: 217
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Re: Insurance - Had Enough
Yeah, gonna have to go ahead and tell you that no matter what a teen drives, it will be expensive to insure.
To put this in persepective, I turned 18 in May 2001, and by January 2002 I purchased a new-to-me 1994 Camaro Z28. Liability only was a hair over $200 a month (don't even ask me what full coverage was, it'll bring back the nightmares). That was, of course, well before texting and driving was such a huge issue, so I imagine $200/month is almost affordable by today's standards for an 18 year old in a V8 "sports car," much less anything else. I feel your pain, I have a kid turning 15 this year... it won't be long until I deal with the same issue.
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Current Projects: 1984 GMC, LWB Fleetside, 305/350 - Currently Doing TBI Conversion 1966 GMC, SWB Stepside, 350/200-4R - Currently waiting patiently. |
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#6 | |
Registered User
Join Date: Aug 2006
Location: Redmond, WA
Posts: 6,332
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Re: Insurance - Had Enough
Quote:
The Romans said the same thing. So did the Greeks. Probably caveman though the new cavemen were slackers who didn't understand personal responsibility and had no work ethic.
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1970 GMC Sierra Grande Custom Camper - Built, not Bought 1969 Pontiac 2+2 427/390 4-speed Coupe 1969 Pontiac 2+2 427/390 4-speed Convertible |
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#7 | |
Senior Member
![]() Join Date: Apr 2016
Location: Cypress, TX
Posts: 3,725
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Re: Insurance - Had Enough
Quote:
Even talking on a phone with hands free device is very dangerous, and I think using an electronic device in any capacity is new drinking and driving. I have personally experienced inattention blindness caused by the cognitive distraction of a cell phone conversation, and it was quite alarming. It is different from having a conversation with passengers in a car. I now don't even look at the phone at all, I just let it ring if I'm driving. I'll talk later. I think this sort of thing is not covered adequately in driver's education, and teenagers feel immune to this sort of thing, but I'm afraid they are wrong. I thought this article was interesting: http://www.nsc.org/DistractedDriving...hite-Paper.pdf I realize this is somewhat drifting off topic, but I'll bring it back on topic with this: With insurance it is all about the numbers (numbers of collisions, numbers of tickets, numbers of lawsuits, numbers of dollars, etc.), and I think wireless device use is the #1 reason insurance is going up in price for all, and especially for young drivers. |
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#8 |
Senior Member
![]() Join Date: Dec 2013
Location: Gods country East,Tn
Posts: 8,545
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Re: Insurance - Had Enough
You'll love this $100,000.00 liability on my 95 GMC 2500/Z-71 ---$22.50 a month and I can drive just as fast just as reckless as any 17 year old out there . Oops gotta go I'm texting as I drive in traffic !
Insurance , Had enough .....you haven't had any YET ! Wait until a few tickets hit his record .lots of kids are walking until 18 when their parents just can't afford to pay for insurance .let alone a classic truck .Sometimes you just have to say no .
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![]() 1967 Factory short bed - Old school '71 - 350 / 4bolt / 487 heads / Edelbrock C3BX Muncie M-22 4 speed / Hurst Comp plus Factory 12 bolt posi 3.73 / 255-70-15 Smoothed firewall / Factory cowl induction Power disc brakes / power steering / 3.5-5" drop Last edited by Grumpy old man; 07-18-2016 at 05:11 PM. |
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#9 | |
Registered User
![]() Join Date: Jul 2015
Location: 2nd left past the stump on a dirt road.
Posts: 2,629
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Re: Insurance - Had Enough
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#10 |
Registered User
Join Date: Jul 2016
Location: Boston, MA
Posts: 2
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Re: Insurance - Had Enough
Guys,
Thanks for the input. And I understand the cost issue. I know in many cases it's stupid high. But the other thing is the restrictions they often want. Garage kept. Limits on how often, where, and for what reasons the minor can drive. Mileage limits. Etcetera. |
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#11 | |
Senior Member
![]() Join Date: Dec 2013
Location: Gods country East,Tn
Posts: 8,545
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Re: Insurance - Had Enough
Quote:
__________________
![]() 1967 Factory short bed - Old school '71 - 350 / 4bolt / 487 heads / Edelbrock C3BX Muncie M-22 4 speed / Hurst Comp plus Factory 12 bolt posi 3.73 / 255-70-15 Smoothed firewall / Factory cowl induction Power disc brakes / power steering / 3.5-5" drop |
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#12 | |
Registered User
![]() Join Date: Oct 2011
Location: Victoria, B.C
Posts: 3,794
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Re: Insurance - Had Enough
Quote:
Years ago, I got my license about 3 weeks into being 16 and that program was not around at that time. However, to be quite honest I was probably not responsible enough to be in charge of 2 tons of accelerating steel. With that said, teenagers unfortunately today are even further behind the curve on being mature and responsible (thanks Mom!!...lol) enough to handle a vehicle without a lot of restrictions helping control that. As a result, I'm a fan of it.... I think the graduated licensing program has them having a mandatory 'N' attached to the back of the car...then after 1 year then get a 'L', then a year later they can have a full license. In the meantime...they can only drive during daylight hours up until 10 at night. If there are other teenagers in the car, there has to be an adult present in the car too....a few things like that. Again, a good thing. If we had kids at home I would have them lock their phone in the trunk in front of me everytime they left for the first 10 trips out of the yard. I know they would retrieve it within a block the first 9 times...but I would hope they would at least consider giving it a pass on the 10th time....knowing what it would mean to me to 'leave it alone' until you get there. A cell phone in their hand or beside them will injure or kill them long before their lack of driving ability. My two bits. Coley
__________________
....for some men, there is experience, skill and effort....for the others...there is visa and UPS LOL 1966 Chevy 1/2 ton (Florida- Red/white) 1972 Chevy 1/2 ton (California- Blue/white) 2005 Chevy Silverado HD2500/Duramax 2000 Dodge Ram 1500 |
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#13 |
Registered User
Join Date: Nov 2015
Location: Alberta
Posts: 464
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Re: Insurance - Had Enough
Back years ago dad said there's no way I'm on his insurance but he would help out on $ on my own if I needed it. He has a perfect record. No accidents claims or tickets. He said no way to me screwing that for him. I am glad that he did too because starting on your own with your own vehicle and insurance gets you better prices way sooner. People are shocked when I show them how little I pay. Then double shocked when they see how many vehicles too. And 2 even have commercial liability. All at least fire and theft.
When they do get their own in a few years it's like starting over and it's better off for them to be a few years ahead on their own
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-Cody Last edited by Gmc.guy; 07-19-2016 at 12:34 AM. Reason: Typos.. Again |
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#14 | |
Registered User
Join Date: Nov 2015
Location: Alberta
Posts: 464
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Re: Insurance - Had Enough
Quote:
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-Cody |
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#15 |
Registered User
Join Date: Jul 2016
Location: dallas, tx
Posts: 1
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Re: Insurance - Had Enough
Ok, same boat here.
Our truck is a regular truck. Nothing fancy. Looking at it you think it's a piece of crap. ANd it kinda is (but we are working on improving it slowly) We want to drive it. Not lock it away for parades and shows only. NO "regular" insurance policy will cover it (we've tried) because they consider it too old. The classic insurance companies will not cover it because it isn't show-y enough, and we actually -- GASP-- want to drive it. Whenever we feel like it. And that includes the cardinal SIN of driving it to home depot to pick up something. Even doing this, I guarantee you we drive LESS than 500 miles a year, so what is the big deal here? We have a 16 year old also. He has a regular driver car. We would like him to be allowed to use this occasionally also. Do we HAVE to lie and tell them we wont be driving it except for shows? Isn't that crazy? What do ya'll do? Surely there's a policy out there that will cover all our drivers to allow us to use this whenever we want??? I'm very frustrated. Never had so much trouble insuring a vehicle before. If ya'll have suggestions or thoughts, I'd love to hear it. Thanks! |
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#16 |
Registered User
Join Date: Apr 2008
Location: Oceanside, CA
Posts: 72
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Re: Insurance - Had Enough
I read an article (not online, in a newspaper) that actually compared insurance costs for 16 year olds and the cost difference between carriers were incredible. One company quoted the family a 216% price increase over their old policy.
The lowest price increase believe it or not was with AAA who raised rates 14% national average for a 16 year old. I am insured with them including my truck, and have never had a problem going on 17 years. It definitely not a show truck however, it is mine and they have insured it for its true value. Wouldn't hurt to go in and give a visit, do some comparing and see what they have to say. And no, I do not nor does anyone in my family work for AAA.
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My other vehicle is unmanned.... |
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#17 |
Senior Member
![]() Join Date: Dec 2013
Location: Gods country East,Tn
Posts: 8,545
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Re: Insurance - Had Enough
Manual truck 2 arms 2 legs required and your a true driver . No abs , No air bags all the insurance company sees is $ cha ching $ !
__________________
![]() 1967 Factory short bed - Old school '71 - 350 / 4bolt / 487 heads / Edelbrock C3BX Muncie M-22 4 speed / Hurst Comp plus Factory 12 bolt posi 3.73 / 255-70-15 Smoothed firewall / Factory cowl induction Power disc brakes / power steering / 3.5-5" drop |
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#18 |
Registered User
Join Date: Mar 2001
Location: Paradise TX USA
Posts: 1,200
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Re: Insurance - Had Enough
Several years ago, I had 3 teenage drivers on my policy at the same time. $$$$$$$$$$$
I can't even imagine how bad it is now.
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"Negative people always seem to have a problem for every solution" |
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#19 |
Registered User
Join Date: Jul 2007
Location: Fall River California
Posts: 2,026
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Re: Insurance - Had Enough
It cost me nothing to insure my three daughters to drive, they got a job and paid for it themselves or they didn't drive.
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#20 |
Registered User
Join Date: Jun 2013
Location: West Virginia
Posts: 6,421
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Re: Insurance - Had Enough
What I have to say may not help at all, I don't have any kids myself so I've never run into this.
Could your child get his own car and pay his own way? Is that too expensive in MA? I do recall (me) getting a discount on insurance rates because I had straight A's in high school. |
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#21 |
Registered User
Join Date: Oct 2009
Location: canton ga
Posts: 12,728
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Re: Insurance - Had Enough
I am 53 years old now ,when I was 16 I was required to not only pay for my own insurance but also my own truck and gas too .I went to school during the day and worked in a shoe factory til midnight every night and was required to pass all my grades as well as other chores at home ,todays kids have it too easy.
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#22 | |
Senior Member
![]() Join Date: Dec 2013
Location: Gods country East,Tn
Posts: 8,545
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Re: Insurance - Had Enough
Quote:
__________________
![]() 1967 Factory short bed - Old school '71 - 350 / 4bolt / 487 heads / Edelbrock C3BX Muncie M-22 4 speed / Hurst Comp plus Factory 12 bolt posi 3.73 / 255-70-15 Smoothed firewall / Factory cowl induction Power disc brakes / power steering / 3.5-5" drop |
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#23 | |
Senior Member
![]() Join Date: May 2012
Location: Scottsdale, AZ
Posts: 1,906
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Re: Insurance - Had Enough
Quote:
Two players in California literally walked off a cliff chasing down a Pokémon while glued to their smart phone screens. ![]() ![]() ![]() ![]()
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#24 | |
Senior Member
![]() Join Date: May 2012
Location: Scottsdale, AZ
Posts: 1,906
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Re: Insurance - Had Enough
Quote:
Ya just never stop worrying... it's the plight of a parent!
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#25 |
Registered User
Join Date: Aug 2006
Location: Redmond, WA
Posts: 6,332
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Re: Insurance - Had Enough
Varies by state. I have 10 vehicles and 2 teenage drivers (soon enough 3-4). In WA they all have to be covered on all of the vehicles because they COULD in theory drive any of them.
Hagerty won't insure my Z07 for the same reason - teenage driver in the house and WA state law that requires he be insured on it since he lives in the same house. In some other states you can limit which vehicles have insurance for whom, and it's a lot cheaper.
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1970 GMC Sierra Grande Custom Camper - Built, not Bought 1969 Pontiac 2+2 427/390 4-speed Coupe 1969 Pontiac 2+2 427/390 4-speed Convertible |
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