Question about insurance
02-11-2010, 04:34 PM
#1
Registered Member
Thread Starter
Join Date: Jun 2009
Posts: 132
Likes: 0
Received 0 Likes
on
0 Posts
Question about insurance
I am 18, and still on my parents insurance (USAA). I was driving a Camry 01' for two years as an "occasional" driver (my dad was the primary driver), but ended up driving it 100% of the time and got in two accidents within this time. The insurance company NEVER asked or hinted at the fact i was only supposed to be driving the car "occasionally" but i was the only one getting in accidents in it. Now im getting a new car and it turns out if i am listed as the primary driver my insurance rate goes up about $250/6 months.
My question is: Why should I list myself as the "primary" driver if i can be an "occasional" driver and save $250/6 months?
Thanks
My question is: Why should I list myself as the "primary" driver if i can be an "occasional" driver and save $250/6 months?
Thanks
02-11-2010, 04:37 PM
#2
baller/dickbutt#69
Join Date: Nov 2002
Location: hampton
Posts: 16,059
Likes: 0
Received 0 Likes
on
0 Posts
Re: Question about insurance
I am 18, and still on my parents insurance (USAA). I was driving a Camry 01' for two years as an "occasional" driver (my dad was the primary driver), but ended up driving it 100% of the time and got in two accidents within this time. The insurance company NEVER asked or hinted at the fact i was only supposed to be driving the car "occasionally" but i was the only one getting in accidents in it. Now im getting a new car and it turns out if i am listed as the primary driver my insurance rate goes up about $250/6 months.
My question is: Why should I list myself as the "primary" driver if i can be an "occasional" driver and save $250/6 months?
Thanks
My question is: Why should I list myself as the "primary" driver if i can be an "occasional" driver and save $250/6 months?
Thanks
02-11-2010, 04:42 PM
#4
Registered Member
Thread Starter
Join Date: Jun 2009
Posts: 132
Likes: 0
Received 0 Likes
on
0 Posts
02-11-2010, 04:45 PM
#5
Troll & Run
Join Date: Sep 2007
Location: Hampton Roads
Posts: 22,993
Likes: 0
Received 0 Likes
on
0 Posts
02-11-2010, 04:45 PM
#6
I have a 20 valve...
Join Date: Nov 2002
Location: Sunny San Diego, CA
Posts: 3,266
Likes: 0
Received 0 Likes
on
0 Posts
Re: Question about insurance
250/6=41.6666
Stop being a pussy and pay the fucking $41. In the end, you'll need it anyway since you're a granny magnet.
Stop being a pussy and pay the fucking $41. In the end, you'll need it anyway since you're a granny magnet.
02-11-2010, 04:56 PM
#7
Registered Member
Thread Starter
Join Date: Jun 2009
Posts: 132
Likes: 0
Received 0 Likes
on
0 Posts
Re: Question about insurance
I know its "lying on my insurance", but why shouldn't I? Its morally wrong? I don't know how they could make sure I was the primary driver, and I would rather not pay the extra $41/mon when im paying for school/gas/life.
I would ditch the idea completely, but friends of mine said they do this. After getting a quote of $750/ 6 months to drive a 94' 300zx, things aren't looking too hot
I would ditch the idea completely, but friends of mine said they do this. After getting a quote of $750/ 6 months to drive a 94' 300zx, things aren't looking too hot
02-11-2010, 05:01 PM
#8
Slammedxpert
Join Date: Oct 2007
Location: Virginia Beach
Posts: 6,825
Likes: 0
Received 0 Likes
on
0 Posts
Re: Question about insurance
Why are you complaining about $41 bucks?
I pay $210 a month for my S2000 and my 88 civic hatchback on my MOMS insurance.
I would love to barely pay for insurance, but gotta pay to play.
I pay $210 a month for my S2000 and my 88 civic hatchback on my MOMS insurance.
I would love to barely pay for insurance, but gotta pay to play.
02-11-2010, 05:05 PM
#9
Registered Member
Thread Starter
Join Date: Jun 2009
Posts: 132
Likes: 0
Received 0 Likes
on
0 Posts
Re: Question about insurance
02-11-2010, 05:06 PM
#10
######
Join Date: Apr 2007
Location: NOVA
Posts: 11,236
Likes: 0
Received 0 Likes
on
0 Posts
Re: Question about insurance
I know its "lying on my insurance", but why shouldn't I? Its morally wrong? I don't know how they could make sure I was the primary driver, and I would rather not pay the extra $41/mon when im paying for school/gas/life.
I would ditch the idea completely, but friends of mine said they do this. After getting a quote of $750/ 6 months to drive a 94' 300zx, things aren't looking too hot
I would ditch the idea completely, but friends of mine said they do this. After getting a quote of $750/ 6 months to drive a 94' 300zx, things aren't looking too hot
I think everyone would like to not pay an additional money percentage on their insurance and pay for school, gas, ect but it's life and it's called being responsible.
Stop bit hing and pay it, and if you can't afford it get a better job.