5 cars (4 EV, 1 PHEV)
4 drivers, 2 teens
no tickets
no accidents
all the discounts (good student, homeowner, bundling, prepay)
$4,655.00 per 6-mo
The five car thing is temporary, but I don’t think it will go down much after I sell one.
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Hah yep. My EV lease is only a few hundred more over 24 months, not 1 pay. Ironically that’s part of the issue. The EVis by far the most expensive of of the 4 the cars to insure.
My wife’s ticket should fall off within the next 6 months so that will lower it a bit. Teen kid with an accident? That’s gonna sting for 2 more years.
Oh well, such is life.
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Could your wife do one of those “online defensive driving schools” typically offered through the insurance carrier to lower the premium? I know it is typically carrier and state dependent meaning the state insurance commission has to recognize and approve it as a credit to the premium.
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Hmm never thought of that. Worth looking into. Thanks for the suggestion.
Good idea, but my wife wouldn’t sleep with me for a month if I sent her to defensive driving school!
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Eh, I get it. Honestly in a previous state I lived in I opted to do it. Didn’t have any tickets or claims however Geico had a $40 “Online Class” that you could do at your own pace and it led to ~$160 savings per year on two vehicles. It was good for 3 years so $480 (savings) - $40 cost so I thought it was worth it.
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Wait till she comes back armed with new defensive techniques 
!
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Mostly they are online class now, you just need to be willing to do multiple choice test after each subject. It’s around 2-3 hours.
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Given the above quotes, I wonder at which price point having Uber teen accounts is cheaper than adding a teen driver to the car insurance. feels like with those prices, having a personal drive for a teen is cheaper than giving a car to a teen:)
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My daughter’s school is 11miles away. Thats a $25-30 one way ride. $1k a month. Just for school. Not to mention I wouldn’t be too thrilled with her being driven by your typical Uber driver. Not exactly the best of the best when it comes to safety.
Happy to pay the insurance instead. 
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Any girls among your three kids? 
If any, you probably wouldn’t want her to ride Uber at night. As stated above…
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To high school and back every day? Isn’t that what school buses are for?
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My son was driving to school n back every day during his senior year. I prefer he gained the experience with a known routine route.
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Private school.
Bus service is available for an obscene amount on top of the already obscene tuition, which makes Uber a bargain by comparison. And even then I’m not sure it would be available for us. We live kinda in the boonies.
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Ask your 17-18 years old if they will ride “stinky school buses” with freshmans 
If you have any, that is.
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My city provides buses for kids in our city who go to private school in our city…
Share with them 30/70 or even 50/50 saving for not paying insurance see what they pick - money in their pocket and bus or car and no money:)
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Teens don’t give a shit about your savings lol
How do insurance savings translate into money in their pocket? They get only what parents give them and they are free to earn the rest.
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If I have to pay for you $2,000 per year to drive a car or I give you a $1,000 and you ride a bus.
Just wait until yours are old enough and tell you. They will take a car any time. And then will come to you for the money
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Pretty sure my kid would pick $0 and a car. I know I would have at her age.
Yeah, no child of mine is riding the public bus. I’ll work an extra job to pay for insurance before that happens.
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