What insurance would be good for me and my daughter?

Car Insurance

Car Insurance

I have travelers insurance and they told me if i give my car to my daughter and get a new one the insurance would be $2000 a year for the both of us. She would have to be the primary driver because its just us and she just got her license. Is there any insurance that is good and reliable like state farm or progressive that would be less than that? Any way to get discounts?

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5 Comments for “What insurance would be good for me and my daughter?”

  1. Iffy

    Because of her age and inexperience most companies will charge 2k just for her.

  2. Rich

    i have Trav., its very cheap…just don’t list your daughter…what they dont Know doesn’t hurt them. for example i Tell em that my car is only for pleasure, not work,….its cheaper

  3. Christine C

    Look for a company that will give you a multi-car discount since you will be insuring 2 vehicles. Also if you own or rent your home, some companies will give you a multi-line discount. State Farm has a “Driver Safety Discount” or “Steer Clear Discount”, Good Student Discount (for full time students with 3.0 or better GPA), Good Driver Discount, low annual mileage discount if you drive under 7500 miles per year.

    Unless your daughter drives an expensive car and/or has a bad driving record, you should be able to find something reasonable.

    You can do like Rich suggests and not disclose that you have a daughter that is driving but keep in mind that may complicate things a bit if you have a claim – it could possibly be considered fraud and invalidate your policy. Good luck Rich!

  4. StephenWeinstein

    It would be less if you just buy a new car, as your second car, and remain the owner and primary driver of both cars, without officially giving either one to her. You do need her to be on the policy, but it will cost less if she is secondary and you are primary.

  5. Ginger

    Rich, I sure hope you’re not in a serious accident. It could cost you everything. By falsifying the information that provides the insurance company with the risk factor, you may cause your policy to become null and void and any claims denied. I’ve seen it happen. You are taking a very big risk and there are companies that will take that very seriously.

    Stephen, the customer does not determine who is primary and who is secondary, the insurance company makes that decision determined by the risk involved. Many companies require the highest rate be charged on the driver that poses the highest risk, regardless of what vehicle they primarily drive. That’s precisely what the asker’s company is doing.

    Asker: You’ll need to call the insurance companies to get the quotes and discounts in order to determine the rate. There’s no one here that can answer your question without your personal information.

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