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Old 05-24-2019, 11:24 AM   #11
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Old 05-24-2019, 12:47 PM   #12
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We pay nothing near that. But State Farm insures by car not driver. Our daughter is listed a driver but we didn't tag her to any car as the primary driver.

We insure 5 cars. Obviously the Tesla is the most expensive but, strangely, the M3C is the cheapest. For the 5 cars, which also includes the ancient E39, our A4 wagon and our daughter's GTI, we pay about $3200 every 6 mos (and the Tesla is more than $1200 of that).
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Old 05-24-2019, 12:55 PM   #13
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What do you think would happen if your daughter got in an accident while away at college? Are you concerned about being denied coverage if she's not listed as the primary driver? That seems super dicey
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Old 05-24-2019, 02:24 PM   #14
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What do you think would happen if your daughter got in an accident while away at college? Are you concerned about being denied coverage if she's not listed as the primary driver? That seems super dicey
He did mention that his daughter is listed as a driver though I find it strange that she is not listed as a primary driver on one of the vehicles.

I’m not too sure how they handle it in his state but that doesn’t sound right to me and this is coming from a guy who does this for a living.

Btw on this topic my advice ... list your child on the policy, not going to get into details but I have seen a Carrier deny collision coverage because the child wasn’t listed and had an accident.
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Old 05-24-2019, 02:31 PM   #15
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I was floored when I came across this list.

https://www.valuepenguin.com/cheapest-cars-insure-teens

Of course, I own a Miata (never had considered it a car for my boys to eventually drive often and I still think it's a bad idea), and as I mentioned on an earlier waffling thread, would definitely consider a GTI (or other Golf) for them to use.

I am just surprised the Miata and GTI are up near the top. They seem like cars that would get kids to drive fast/irresponsibly and thus be expensive to insure.

And yes, I have 5 years until I have to worry about it.
While cost is a consideration safety is the most important though I already know we all feel this way. It blows my mind some people get their kids what is considered a cool car like the Jeep Wrangler 4 door and the crash ratings are terrible, my nephew has an older version and it drives me crazy.
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Old 05-24-2019, 03:09 PM   #16
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While cost is a consideration safety is the most important though I already know we all feel this way. It blows my mind some people get their kids what is considered a cool car like the Jeep Wrangler 4 door and the crash ratings are terrible, my nephew has an older version and it drives me crazy.
Totally agree.
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Old 05-24-2019, 03:55 PM   #17
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What do you think would happen if your daughter got in an accident while away at college? Are you concerned about being denied coverage if she's not listed as the primary driver? That seems super dicey


She is listed as a driver on all of the cars. She drives less than 3000 miles a year, so it doesn’t feel particularly improper to not call her primary on any of the cars. When she’s at school, the car mostly sits. And when she’s at home, I steal it sometimes. It’s way more fun to drive than the Tesla.
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Old 05-24-2019, 05:16 PM   #18
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And the five year plan begins... FC, you should start a spreadsheet for this planning.

The GTI is way more fun than the Tesla?!
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Old 05-24-2019, 05:19 PM   #19
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And the five year plan begins... FC, you should start a spreadsheet for this planning.



The GTI is way more fun than the Tesla?!


Not sure why that would be surprising. Small, nimble 6-spd versus massive heavy sedan. Aside from the RIGHT NOW acceleration, driving it is pretty pedestrian.

I have it for the commute - HOV sticker and no gas.
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Old 05-24-2019, 06:57 PM   #20
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And the five year plan begins... FC, you should start a spreadsheet for this planning.
Start?

That spreadsheet is the same one I started back in 2002. It just gets expanded and new worksheets added.

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