Forum Discussion

paullac's avatar
paullac
Explorer
Jul 19, 2015

Insurance & Teen Driver?

Kind of an off the wall question but here goes… I am literally writing the check right now for insurance on our class C. Our oldest will soon turn 16 & be driving. I know that our car insurance rates will increase. But should I expect that on the motorhome too? State Farm has all our insurance including the car & motorhome. There's no way our 16 year old will ever drive our 32 ft class C so I don't think it should increase - but State Farm may feel differently. Thanks!
Class C
  • Mmwtdh's avatar
    Mmwtdh
    Explorer
    Jul 19, 2015
    Yup, excluded driver.... won't effect your rates at all.
  • Old-Biscuit's avatar
    Old-Biscuit
    Explorer III
    Jul 19, 2015
    paullac wrote:
    It's a "she" but same thing. I would be happy to sign an affidavit or whatever that she won't drive & that I wouldn't be covered if she did. Yes, it's just another vehicle for our household. But it's not exactly a daily driver sitting in the garage. I guess I'll cross that bridge when I get to it. Maybe it's just me (I tend to be cautious) but I can't imagine too many people let their 16 year olds drive their class C's.



    So contact your agent, have that conversation and do what's needed...... why wait to cross that bridge, that approach can cause confusion.
  • gbopp's avatar
    gbopp
    Explorer
    Jul 19, 2015
    Interesting question. Please give us an update when you get the answer.

    I have a 13 YO GS, I'll be in the same position as you in three years.
  • paullac's avatar
    paullac
    Explorer
    Jul 19, 2015
    It's a "she" but same thing. I would be happy to sign an affidavit or whatever that she won't drive & that I wouldn't be covered if she did. Yes, it's just another vehicle for our household. But it's not exactly a daily driver sitting in the garage. I guess I'll cross that bridge when I get to it. Maybe it's just me (I tend to be cautious) but I can't imagine too many people let their 16 year olds drive their class C's.
  • sch911's avatar
    sch911
    Explorer
    Jul 19, 2015
    I believe you can add him as an "excluded" driver. That way your rates won't be affected, but if he did drive and got into an accident you wouldn't be covered.
  • Old-Biscuit's avatar
    Old-Biscuit
    Explorer III
    Jul 19, 2015
    Contact your agent.........
    Don't have son listed as authorized driver for RV


    Did that with my kids.
    They were listed as authorized drivers on only one family vehicle....the oldest one.
  • darsben's avatar
    darsben
    Explorer II
    Jul 19, 2015
    How is State Farm to know he will not ever drive?
    Certainly they cannot just take your word for it.

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