'Scuse Me While I Kiss The Ground

[GAC]

My daughter got her driver's permit yesterday.

She keeps reminding me to put on my seatbelt; but I tell her that is not prudent in case I need to ditch her and jump clear.

But I've discovered I'm turning into my Dad when it comes to teaching my kids driving. I'm very thorough, and also a defensive driver. I don't trust any of YOU when I'm on the road.

She is actually doing pretty darn good though.

To be continued.....

[jmcclain19]

Fantastic - another woman driver out on the road :

[GAC]

Funny stuff!

I don't like driving in a vehicle with my wife one bit. Not only does she speed, but I found out why I have to replace my brakes so often. She flies up to intersections/stop signs, and then almost slams the brakes. There are hand prints in the passenger side dash from me clutching it.

[RedsBaron]

My 16 year old son, just a few days after that all important birthday, got his driver's license last Friday. My car insurance just went up a few thousand dollars a year. I'm sure the rise in my blood pressure exceeded the rise in my insurance costs.

[Cyclone792]

Originally Posted by RedsBaron

My 16 year old son, just a few days after that all important birthday, got his driver's license last Friday. My car insurance just went up a few thousand dollars a year. I'm sure the rise in my blood pressure exceeded the rise in my insurance costs.

Did your car insurance really go up that much after adding him? That seems a bit high, though I'm not sure what kind of car he's driving and whether or not you guys have full coverage or not.

When I turned 16 in 1998, I drove a four cylinder sedan, and my insurance was around $900 a year with primarily liability. Granted, I did have a good student discount already deducted from that total. I maintained a clean driving record through my 18th birthday, and I was able to drop my insurance to around $775 a year after turning 18.

Right now, at age 24 and before the magical age 25 insurance cost drop, I pay $570 a year for insurance on another four cylinder sedan, though that's with liability and comprehensive only instead of full coverage.

One thing I'd suggest you guys stressing with your kids is making sure they keep their grades up, not only for obvious educational reasons, but also due to the nice good student discount on their car insurance if your insurance company provides that incentive. I graduated college two years ago, and I'm still receiving my good student discount with my insurance. I was able to keep it all the way through college, and when I graduated my insurance company told me I could keep the discount until my 25th birthday since I put up a 3.0+ GPA during my final quarter in school before graduation.

[cincinnati chili]

Originally Posted by Cyclone792

Right now, at age 24 and before the magical age 25 insurance cost drop, I pay $570 a year for insurance on another four cylinder sedan

Don't move to metro Boston. Someone you're age with a perfect driving record would be looking at three times that.

[Roy Tucker]

Originally Posted by Cyclone792

When I turned 16 in 1998, I drove a four cylinder sedan, and my insurance was around $900 a year with primarily liability. Granted, I did have a good student discount already deducted from that total. I maintained a clean driving record through my 18th birthday, and I was able to drop my insurance to around $775 a year after turning 18.

Those are about the same rates I saw when I added my son to our policy when he got his license at 16.

The sad thing was, that effectively doubled our insurance rates, i.e. my son and one car == my wife and I in 2 cars.

And like you mentioned, he kept his grades up, no tickets and no accidents (talking to other parents, he seemed in the minority here), and his rate was cut by about 40% at the age of 18.

One thing that we were a stickler for was he wasn't allowed to drive with friends in the car for 6 months after he got his license.

And we didn't just turn him loose the day he got his license. We pretty carefully increased the radius of where he could go and the traffic density he'd encounter. Too many people just hand the keys to their kids and say "good luck" and let them go wherever.

[GAC]

Originally Posted by Cyclone792

Did your car insurance really go up that much after adding him? That seems a bit high, though I'm not sure what kind of car he's driving and whether or not you guys have full coverage or not.

Horses, minus the rig, are not cheap to insure in West Virginia.

[Roy Tucker]

Must be the time of year. My 16 year old daughter is taking her driving test on Thursday. She has had her temps for about 6 months now and she is a pretty decent driver (for 16, that is). She should pass easily.

This is my second teenager on my insurance bill. Ages 16 and 17 are pretty pricey. Once they turn 18, keep up their grades, have no accidents or tickets, the rates start to decline a bit.

[GAC]

My 18 year old son is very apprehensive about getting his driver's license. When he was 16 he said he wanted to wait a year, and he got no argument from me. He then spent the last year, while he was 17, recovering from two surgeries, so he wasn't able to get his license. He turned 18 last month and I told him the other day he needs to study the book to get his permit. I don't understand the boy. His grandparents gave him a really nice (and very clean) '98 Merc Sable last year when they went out and bought a new car, and it's basically sitting in the driveway. I drive it now and then just so it gets driven.

[HumnHilghtFreel]

Originally Posted by GAC

My 18 year old son is very apprehensive about getting his driver's license. When he was 16 he said he wanted to wait a year, and he got no argument from me. He then spent the last year, while he was 17, recovering from two surgeries, so he wasn't able to get his license. He turned 18 last month and I told him the other day he needs to study the book to get his permit. I don't understand the boy. His grandparents gave him a really nice (and very clean) '98 Merc Sable last year when they went out and bought a new car, and it's basically sitting in the driveway. I drive it now and then just so it gets driven.

I was sort of the same way. I was more scared of the responsibility than anything. I think I may have been one of the few teens who looked at it as a responsibility though

[GAC]

Originally Posted by HumnHilghtFreel

I was sort of the same way. I was more scared of the responsibility than anything. I think I may have been one of the few teens who looked at it as a responsibility though

I think you hit it.... scared of the responsibility. My son doesn't like to involve himself in any behavior that involves risk. And he has seen many local teens here locally, who have been in some pretty bad accidents, and some have lost their lives. That bothers him.

I had a "heart to heart" talk with him tonight, and he's been studying the book.

[SunDeck]

Originally Posted by GAC

His grandparents gave him a really nice (and very clean) '98 Merc Sable last year

And you think he doesn't want to drive because he's cautious? I guess there's an upside; they could have given him a white Buick Century...

[GAC]

Originally Posted by SunDeck

And you think he doesn't want to drive because he's cautious? I guess there's an upside; they could have given him a white Buick Century...

Nobody ever gave me a car. And this car was owned by old people. It is clean as a whistle.

[SunDeck]

Originally Posted by GAC

Nobody ever gave me a car. And this car was owned by old people. It is clean as a whistle.

Right, Dad.