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Added 16 yrs old Son to Policy

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Old May 17th, 2019, 10:26 PM   #21
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Recently switched to State Farm after 16 years with USAA. USAA's rates continue to go up as my cars values go down. I was able to up my coverage and save enough to make the jump. State Farm did Agreed Value of $55K on my gen 2 with mileage being the only restriction.
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Old May 18th, 2019, 09:35 AM   #22
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I had my Viper and my 1977 Vette insured with State Farm. The Vette was $37.00 a month and the Viper was $75.00 a month. The Vette was insured for $40,000 and the Viper for $45,000.
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Old May 18th, 2019, 09:41 PM   #23
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I had USAA when I was still in. When I bought the Viper it wasn't too much added to my policy and I was happy. Then I had one small claim on the Viper and my premium just kept going up. I called and asked why and if the claim was the reason. They just said their premiums were increasing for everyone. But mine just kept climbing until I was paying over $200/mo just for the Viper. I had enough and found a better deal elsewhere for my insurance. I felt like they had something against me personally and just wanted to drive me away.
I now have Geico and I pay $120/mo for full coverage on my Viper and DD. USAA can kiss my ass
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Old May 19th, 2019, 07:46 AM   #24
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About 5 years ago I kept getting mailers and E-mails from AARP saying I could get discounted car insurance through them. I called and they asked me all about my age, occupation and driving record. No problem. Then they asked me what kind of car I drove. I said a 2002 ?Dodge Viper. They didn't even pause when they stated they would not insure that car. They didn't even tell me why when I asked.
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Old May 19th, 2019, 09:12 AM   #25
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Originally Posted by EllowViper View Post
5000 mile per year ceiling. Can't be a daily driver, park in secured garage, have to attest you have another daily driver car, can't be used for work, etcetera. I had the office review the policy and it seems to fit my needs perfectly. In fact, several others are looking into collector car policies as well since they had never considered it before. I love USAA's personal service and how they bend over backwards to take care of their customers, but I can't rationally keep that Viper policy with them.
I'm in the same boat with USAA, love everything else about them but Vipers need to move off of them soon.
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Old May 20th, 2019, 07:15 AM   #26
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I had State Farm as a kid...I think my parents still do...so I might circle back with them just to see what they say. Its been interesting doing this research. GEICO will cover for around $1200 per year with a good policy; but not agreed upon value.
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Old May 20th, 2019, 10:21 AM   #27
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Ok. State Farm it is. $118.00 per month. For some reason, when I went back to review the GEICO quote, it jumped to $2000 per year. Hummmm.
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Old May 20th, 2019, 11:51 AM   #28
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Not sure if they still do this, but we signed a form stating the newly licensed driver in the home would not drive any of the cars when we asked for quotes and it was way, way, way too high to include them even as an occasional driver.
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Old May 21st, 2019, 04:23 AM   #29
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Insurance = prob the biggest financial fuc show on the planet, except of course the $neakin' Deacon scam...
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Old May 21st, 2019, 12:13 PM   #30
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Use American Collectors, endorsed by USAA, shows on your USAA account. Less than $1000 a year for my 96 RT and 1956 F100 show truck. Zero deductible. Value viper at 35K. '56 value 25K.
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Old May 22nd, 2019, 10:57 AM   #31
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Originally Posted by Cap'n Hook View Post
Before I sold my ‘96 GTS last December, I used American Modern insurance, with agreed value of $55k, for $540/yr. Seems like they allowed 3k miles and pleasure use only.
So these types of policies, obviously they check the mileage when you start but do they check it every year? I don't see why they would bother since the odometer could be disconnected after 3k miles. And the only time there would be issues is if a claim was made.
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Old May 22nd, 2019, 01:14 PM   #32
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Interesting story. USAA was created to serve the needs of pilot service members who were buying expensive sports cars and needed affordable insurance.
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Old May 22nd, 2019, 05:44 PM   #33
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So these types of policies, obviously they check the mileage when you start but do they check it every year? I don't see why they would bother since the odometer could be disconnected after 3k miles. And the only time there would be issues is if a claim was made.
Uh, that would be the time that one would NOT want there to be issues.
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Old May 27th, 2019, 10:10 PM   #34
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So these types of policies, obviously they check the mileage when you start but do they check it every year? I don't see why they would bother since the odometer could be disconnected after 3k miles. And the only time there would be issues is if a claim was made.
No, never was asked for updated mileage statements. Sold the car last Dec, 5 years covered this way.
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Old May 28th, 2019, 09:59 AM   #35
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Use American Collectors, endorsed by USAA, shows on your USAA account. Less than $1000 a year for my 96 RT and 1956 F100 show truck. Zero deductible. Value viper at 35K. '56 value 25K.
So funny thing....I was talking to USAA letting them know State Farm was going to beat their pants off with car coverage for all my vehicles to include a home policy as well. I referenced this American Collectors option and they said "Oh yeah...we have them as a partner and underwriter...would you like to get a quote from them?" Well no shit USAA. So they connected me and wala..I now have $50k agreed upon policy with 300/500k coverage and a few other bells and whistles for $1018 per year. 2500 mileage limit. Unfreaking believeable that USAA won't volunter that option after going back and forth with me stating they couldn't do anything on my Viper policy @ $3400 per year. Just shaking my head with USAA....gotta love um to hate um.
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Old May 28th, 2019, 10:45 AM   #36
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I’m sorry sir, the extra $2300 we tried to get out of you caused a bit of memory lapse......
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Old May 28th, 2019, 12:12 PM   #37
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So they connected me and wala..
"wala?" like the gas stations or like "voilą"?

"Irregardless", I'll have to try that option when my USAA policy comes due.
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Old May 28th, 2019, 01:07 PM   #38
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So I got my revised policy for the three remaining cars I have with USAA....and 'wala' again...my adjusted policy did not go down the $3400 that the Viper policy was costing me but only $1600 dollars... since the premiums for the other three cars now went up a total of $1800 per year!! WOW. Talk about BS. My net savings is still $600 per year but talk about a crock of shit USAA.
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Old July 6th, 2020, 03:58 PM   #39
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My first insurance was at the age of 22 because before I could not afford it due to lack of financial resources but I understood that it is necessary in order to protect your car from expensive repairs. My brother was already an experienced driver and advised me moneyexpert.com who helped with all the documents and advice about my vehicle insurance. This is very convenient because you no longer pay huge bills for a breakdown and you stay calm during an accident. I think that at the age of 16 to get car insurance is very worthy

Last edited by encoupejas; July 7th, 2020 at 10:00 AM.
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Old July 9th, 2020, 03:37 PM   #40
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Damn I should start shopping around. I'm paying 2.6k a year for my GTS. Granted, I'm 21 and it's my only daily--in hail country--but I had just assumed that USAA was the way to go.
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