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[quote=Anonymous][quote=Anonymous]But I don’t see why you would add them. Eg. If your friend borrows you’re car and makes an accident, being not a named driver means you have a higher deductible. If your teen drive and not a named driver, I would assume the same? A higher deductible. So if you equate how much you have your teen added to the insurance vs. Deductible, you will make it back in no time. Allstate And liberty charge an arm and a leg for a teen driver. Plus in most cases, if you meet a small accident, I wouldn’t involve insurance anyway and settle it privately with the other driver. Claiming insurance just wipes your no claim bonuses, increase your premiums next year?

So maybe I am missing something. Why would you add your kid as a named driver unless you totally anticipate bad accidents?[/quote]

My insurance guy said that kids have to be insured if licensed and living at a residence with a car.  I thought I could take my college kid off while he was away from home with out a car (and obviously he would know he could not drive) .  I was told no.  It is frustrating as he is away all summer too.  Home with access to the car about 5 weeks a year but we do not want to give up the license.[/quote]

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