hey32g

Thinking of a C6 Grand Sport, but I have seventeen year old twin sons, am I going to get absolutely hammered on insurance? (Also have a 20 yr old son that's off at college.)

Any tricks to lessen the pain?

Vet Interested

Plain and simple. You are screwed. As long as they are carried on YOUR policy you will feel it. I had a 19 year old and a 17 year old (girl) on ours. It was ugly. Wish I new a trick or two but I do not. Maybe someone else can help ya out.
Some states and carriers are worse than others. Have no idea what state you are in but it's probably gonna be bad. GOOD LUCK!

FAUEE

You could do what my parents did to me, make them get their own polices and pay for it themselves.

hey32g

But I've heard if they live in the same house, you're still screwed.

Another Don

It's been about 10 or 12 years ago when I was in your situation, but the trick with my insurer here in TX, was that you had to have a car for each licensed driver in the household. Wifely-unit had her Acura, Son #1 had a beater Jetta and Son #2 had a 10 y/o Camaro. With this setup, the C6 was rated to me...older adult with 0 wrecks and 0 tickets. My Vette was cheaper to insurer than Wifely-Unit's Acura with the same coverage on the same policy.

Check with your insurance agent to see if this would work for you.

HOXXOH

You can designate which cars the boys have permission to drive and which ones they don't. Your rates will only change for the ones they drive. If you don't already have a PLUP, get one now. Not very pricey and can save your butt in a catastrophe.

Oh Boy

This is a easy one. Just find a close friend or relative that don't drive and put their license at that address. We used to do that all the time. Especially now you can change your address right online, don't even have to go to the DMV.

BlindSpot

Public transportation...I thought "millennials" weren't interested in "personal possessions" I thought all they really want is an Iphone....

919cw313

Exclude them as drivers for that car.

Or get around all the speculation by calling your agent and getting a quote.

Oh Boy

I don't think it works that way. Just the fact they live in the house gives them cause for concern. Just because you say they can't drive a certain car does not mean they won't do it behind your back.

919cw313

You can exclude drivers in almost every state. Whether or not the kids can be trusted is Dad's concern.

As someone else mentioned, get them beater cars that they're primary drivers on and then either exclude or make them occasional drivers on the vette.

Oh Boy

No it's not, it's the ins co concern. They are the ones who pay. Just the fact that the kids have access to the cars is what concerns the ins company. They cannot babysit who drives what car and when so they charge you for having "irresponsible and inexperienced" drivers under your roof.

1rusty1

Best to talk with your agent.

I don't recall how my agent set us up but surprisingly ours didn't go up much.

They listed our two kids as licensed drivers in the household but there was something about carrying uninsured motorist that would keep them covered (don't ask me how because that was awhile ago)

They did say if they ended up having an accident, they would then need to be specifically covered. Thankfully that never happened.

Jmhornz71

I had a 18 y/o son and 16 y/o daughter, when they got cars they were cheap cars that we only carried liability ins on, otherwise would never have been able to afford the insurance

919cw313

Okay I quit. I guess you're an expert.

Icecap

Been there with 2 girls. The first time one of them had an accident with our car it wasn't their fault they rear ended someone because "they stopped too fast". It was finally a relief when they had jobs and bought their own beaters.
Every time we renew our policies the first question is "will anyone under 25 be driving your car"? Thankfully the answer is no. My wife and I both have a clean drivers abstract for close to 20 years and no claims history for 15. That's as good as it gets for insurance cost.

Oh Boy

I would think the first revised question would be "is there any licensed drivers under the age of 25 living in your household"? But I'm pretty sure even if you lie and say no they do find out eventually.

Ira T

Worked for me with 3 boys and a 'Vette.

jonstr

There is likely to be a difference between carriers and/or states. Here in AZ I am on the last of 4 kids - boys and girls. With State Farm, I had to play the 'car for every driver' game, which worked as long as you have tin cars for everyone. I always put the youngest kid on the oldest tin car (no classic cars involved).

Several years ago I moved the Corvettes to a policy with the National Corvette Museum, and I was able to specify that only me or my wife were drivers for the Corvettes. IIRC, they had a requirement that you had other cars as 'daily drivers' insured elsewhere, but there was no impact from the kids on the rates for the Corvettes. Likewise, State Farm no longer cared that I had Corvettes since they were insured elsewhere.

OlyC6

Yes.

Exclude them from driving the Vette and it won't be too painful to add the rig on your insurance....

All that said, the comment above doesn't take into account YOUR driving history (accidents, tickets, etc.)....