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Thread: need some advise

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    need some advise

    i have a 98 cherokee and a 2003 caravan and my wife just got her g2 finally now my insurance has went up to 4300 a year and they state its because she a new driver (she's 38 ) and to top it all off i have got 2 10 over speeding tickets in the past 6 months first time ive got any tickets in 17 years any help would be great as its looking like i might have to leave the jeep in storage for 5 years or sell it

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    Could you maybe just put her on a secondary driver. i know you can do it with your kids and it brings down the cost. Or can you just Ins her on one vehicle only. I know there is a thread on here "ask a Ins broker" or something like that.
    Last edited by DWG; 12-11-2012 at 06:50 PM.

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    put one veichle in her name and let her get her own ins. it might be
    cheeper when you add up the two

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    with two vehicals in the household she is automaticly put as an primary driver on one even tho she doesnt and wont drive the jeep i even told them i put about 2-3000 kms on it a year and dont drive it in the winter they still wont budge

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    need some advise

    Tell her to take an approved course, that'll help a bit. Drop coverage that doesn't make sense and increase your deductible.

    Other than that, kick her out. Insurance bites.
    OF4WD 5982 & 5983

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    Tell the ins company that if they can't help you that you will take your business elsewhere! If you have house, life and cars...they Will do something.

    See how much ins would be on her own. Her rates shouldn't stay high for too long. At 40 rates usual go down but she needs to keep a squeaky clean record.
    I don't have an attitude problem, you're just an asshole!!


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    ..... edited .....
    Last edited by Crazykid; 12-13-2012 at 04:50 PM.
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    I couple of the suggestion that were posted are very good ones. Having her complete the driver training will save a lot of money for the first 3 years. I would keep the policies together as if you separate them you will lose any multi vehicle discount you might already have, which will only increase your rates. How her rating works for most companies is you get 1 year driving exprience for having your g1 for a year, another 1 year for your g2 (no matter how long you hold it, ex Holding a G2 for 3 years may still only give you a 2* record). It is important now for her to complete the G licence after a year. The DTC will give her a 3* from the beginning. I wouldn't mention the tickets to your company it is possible they are not aware of them. Companies pull abstracts on current client randomly.
    97' TJ SE.
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    It wont help you but maybe for others, State Farm will give a "good grades" discount for students.

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    Quote Originally Posted by Cormega View Post
    I couple of the suggestion that were posted are very good ones. Having her complete the driver training will save a lot of money for the first 3 years. I would keep the policies together as if you separate them you will lose any multi vehicle discount you might already have, which will only increase your rates. How her rating works for most companies is you get 1 year driving exprience for having your g1 for a year, another 1 year for your g2 (no matter how long you hold it, ex Holding a G2 for 3 years may still only give you a 2* record). It is important now for her to complete the G licence after a year. The DTC will give her a 3* from the beginning. I wouldn't mention the tickets to your company it is possible they are not aware of them. Companies pull abstracts on current client randomly.

    The ticlkets are only a small surcharge really, and it would eliminate the chances of getting cancelled for misrepresantation. Not that many companies do that, there is always the chance as it is a stat condition in auto.

    I know of a couple companies that pull mvrs and auto + before binding the policy. So you wanna make sure your honest.

    MVR = motor vec report - aka your driving record.
    Auto + = your insurance history, shows claims, and past policies and such.

    All good advice in here, its good to see this open communication. I just thought Id add that little info from my experiance.

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