Definitely true about running the numbers both ways. I just went through this with my kid and, weirdly enough, the separate policy ended up $20 cheaper per month because my own record wasn’t spotless. Didn’t expect that. Insurance logic makes zero sense sometimes.
Insurance logic makes zero sense sometimes.
You’re not kidding. I’ve seen parents with spotless records pay more than folks with a fender bender or two, just because of how the risk is spread out. Once had a client who swore adding their kid would double their premium, but it actually dropped—turns out the kid’s grades helped more than his own clean driving. It’s wild. Always worth running those numbers, even if it feels like you’re rolling dice.
I get what you’re saying, but I’ve actually seen it go the other way too. My cousin bundled her teen with her policy, thinking the good student discount would help, but her rate still shot up way more than if her kid had his own policy. Maybe it’s a Hawaii thing, or maybe just the company? Feels like there’s no real formula—sometimes you just end up paying more no matter how “safe” you play it.
Yeah, I’ve noticed it’s a total toss-up. My neighbor tried splitting her teen off on a separate policy, thinking it’d save her some cash, but the quotes were just as ugly. It’s like the insurance companies have a dartboard behind the scenes or something. Hawaii rates are wild anyway—my own premium jumped when my kid just got his permit. Guess we’re all just rolling the dice here.
It’s like the insurance companies have a dartboard behind the scenes or something.
Right? Sometimes I wonder if they just spin a wheel and add a zero for every teenager in the house. My cousin tried to “outsmart the system” by putting her kid on a separate policy too—ended up paying more for less coverage. Ever notice how they don’t blink twice when you mention a ‘67 Mustang, but one learner’s permit and it’s panic mode? Maybe it’s just part of the adventure. At least you’re not alone in this wild ride.