The Cost of having a Driver

car insurance
I recently called my insurance agent to see how much it was going to cost to add DJ, my new driver, to the insurance policy.  Ouch!
The receptionist told me she could give me the quotes.
“I think I might give my daughter my car and purchase a new one for myself.  How much will my insurance increase if I go that route?”
“Let’s see Mr. Tanner.   Humm – it’s going to jump a bit since she’s an inexperienced driver.”
“Oh, she’s not inexperienced.  I’ve driven countless miles with her over the past year.  It’s been weeks since she got out of the car without forgetting to turn it off.  Heck, I even taught her how to take off the gas cap.  Took two or three times for her to fully catch on, but, she’s mastered it now.  Even got her first wreck out of the way – and that was in the Driver’s Ed Car!  She is NOT inexperienced.”
“We’ll, you do have your homeowners insurance with us.  That will help.”
“Yes I do!  And, remember I went to high school with the agent’s brother.”
“Looks like its going to go up by… $2,200.”
“$2,200 a year?  Damn Sam, that’s steep!”
“Oh no Mr. Tanner – it’s not $2,200 a year.”
“Whew!  I thought something had to be wrong.”
“Yes.  That’s wrong. You see, you pay twice a year.  That’s just for six months.  It’ll end up being $4,400 a year.”
“I’m sorry.  I thought I had asked for a quote to add one tiny, sweet, cautious human to my car insurance policy NOT what it was going to cost me to put her through a year of college!!!”
“You are an evil woman.”
Things I could do with $4,400:
  •  Fly to Hong Kong with DJ and stay at the Ritz Carlton for two nights
  • Buy 1/4 of a camel in Pakistan
  • Get DJ a 2005 Volkswagen Beetle GLS with halogen projector beam headlamps including clear polycarbonate lenses
  • Purchase 25 bottles of Dom Parignon and cater a party for 100 people to come over and drink it
  • Hire a hit man to take out my insurance agent

Needless to say, we’re considering other options…

Leave a comment


  1. Joyce

     /  July 17, 2013

    Lol. Things you can’t do with $4,400: fund a year of college. 😉

  2. Yep. I remember that.

  3. Ac Snow

     /  July 17, 2013

    Bruce, loved your blog today. Sorry we couldn’t get together. It’s been pretty hectic….cheers…ac


    • Danny Tanner

       /  July 17, 2013

      I missed catching up but we’ll reschedule sometime soon.

  4. Consider your options, my brother, but there are none. I have two 17-year-olds. I just paid my insurance company over $5000. Oh, and if DJ has an accident, just pay for the repairs yourself if the incident doesn’t require a police report. Girly hit the side of the garage and did $2K worth of damage to a 12-year-old car; the boy did a pinwheel into a ditch just steps from our house during the February ice storm. I elected just to make his vehicle driveable. It’s a fun, fun world, but having them be able to drive to their activities and school, and to run errands for you, lessens the pain a little tiny bit.

    • Danny Tanner

       /  July 17, 2013

      Exactly. You pay the insurance and then you can’t afford to use it! Ridiculous.

  5. Chad

     /  July 18, 2013

    You’ve under estimated your college bill significantly. Maybe multiply that by 10.

    The fun is just getting started.

    • Danny Tanner

       /  July 21, 2013

      You’re going to have to pay for our beach trip.

  6. Emm

     /  July 19, 2013

    Don’t buy another car until she’s had her license a year. That is why it is going up so much. If you just add her to yours, it’ll go up $1200. Buy any car that year, it triples. The Drivers Ed people in Wake County should have told you that in the parent meeting. They did in ours and an agent in the room confirmed it.

    • Danny Tanner

       /  July 21, 2013

      I don’t think we had a driver’s ed parent meeting!

  7. That sounds incredibly expensive even if she is an inexperienced (according to them) driver. I am thinking you should shop around – or that bundling insurance may not save more money after all.


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