Car insurance recommendations

maxpowerzz

Rising Sun Member
Joined
Oct 4, 2015
Messages
252
Location
Denver
Any recommendations for auto insurance? We have Allstate and I'm about to add a teenage driver and our rates are going to double, it's ridiculously astronomical even with her good grades discount.
 

simps80

Rising Sun Member
Joined
Jan 22, 2009
Messages
2,098
Location
Arvada, CO
Don’t add teenage drivers

I insured cars not drivers made it through

Insurance follows cars not drivers
They want you to add kids they say you have to


Maybe I did it wrong
 
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AimCOTaco

Commander
Staff member
Cruise Moab Committee
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Aug 13, 2010
Messages
1,958
Location
Longmont, CO
I heard I'd be better off with a second policy from Geico or Progressive (from an Allstate rep no less) for the kiddo.

Since then I've moved my motorcycle, the kid car, and my project taco over from the main policy to Geico.

If you have kids that live with you and drive you can just omit them from your policy's which works for carrying a proof of insurance but if they have a significant claim in one of your vehicles then I think the insurer has an easy out and could deny coverage.


It sucks bad, I wish we only insured the driver (why do I need liability insurance on 3 trucks and a bike if I can only crash one at a time, just cover ME from a liability/mass/history standpoint). Kids v multiple cars is crushingly expensive (but makes more motorcycles look like a good econ choice at least!). /rant
 

SteveH

Hard Core 4+
Joined
Aug 10, 2006
Messages
2,557
Location
Colo Springs
When I had 2 teenagers on the books (girls, admittedly) AAA insurance was cheap, and still is. With good grades and having taken an online driving course, each child added <$500/year to the cost of the policy.

You do have to have one member of your family enrolled in AAA roadside assistance, to be able to purchase AAA auto insurance.
 

Yeti

Rising Sun Member
Joined
Oct 3, 2019
Messages
112
Location
Arvada, CO
I have been able to get good rates and service from this Insurance broker: https://www.altitudeins.com/
I have no personal experience with teen drivers yet.
 

maxpowerzz

Rising Sun Member
Joined
Oct 4, 2015
Messages
252
Location
Denver
Thanks for all the tips. I agree, seems crazy I need to insure my daughter on the 40 and 62 when she doesn't drive them.
 

FJCDan

Rising Sun Member
Joined
Aug 9, 2010
Messages
827
Location
West Denver
Don’t add teenage drivers

I insured cars not drivers made it through

Insurance follows cars not drivers
They want you to add kids they say you have to


Maybe I did it wrong
Talk about kids and insurance, our oldest grandson 19 with tickets and accidents goes out and buys a 19' Dodge Daytona with a Hemi and is paying $810/ month for insurance. Parents excuse he's building credit, see how long that lasts.
 

gungriffin

Rising Sun Member
Joined
Dec 4, 2017
Messages
763
Location
Denver
Talk about kids and insurance, our oldest grandson 19 with tickets and accidents goes out and buys a 19' Dodge Daytona with a Hemi and is paying $810/ month for insurance. Parents excuse he's building credit, see how long that lasts.
At least min wage in Denver is now almost $15 an hr!
 

FJCDan

Rising Sun Member
Joined
Aug 9, 2010
Messages
827
Location
West Denver
At least min wage in Denver is now almost $15 an hr!
Now they are in Florida and he is working a landscape job, see how long that lasts.
 

PhillyB77

Wincher
Joined
Dec 1, 2021
Messages
70
Location
Bailey, CO
When my daughter turned 16 USAA came at me with a chainsaw for two of my limbs.

Horrible. Now she is in her 20's and on her own plan, good times.
 

pskhaat

Lifted
Joined
Apr 26, 2009
Messages
134
Location
38.0111,-109.9181
Parents excuse he's building credit, see how long that lasts.

No. Carriers are happy to run your credit to be lazy on proper risking, but they don't report to credit bureaus like that. Invalid excuse. Crap I barely have that much per month that in net income.
 
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