Is it IL law to place my teenage drivers on my expensive car instead of the 20 year old car, raising my rates?

Question

My ins demands on placing my kids as primary drivers on my Expedition instead of the 20 year old van we purchased for them. My ins has gone way up and they tell me its the law in Illinois to do this. I think its so they can charge me more money. Does anyone know if this is a real law?

Answer 1

I know in MI you can exclude certain drivers from certain cars. But then if they do drive the expedition & they are excluded, the ins. won't cover it if they get in an accident. My mom had to exclude my bro from her car since the rates were so high & all drivers in a houshold are automatically put on every car in the house. See if you can exclude your kidds from that car. You should be able to, i doubt it is a law.

Answer 2

It's not a law, it's your insurance companies policy to do so. I work for State Farm and we rate the teen drivers on the least expensive automobile unless they are the primary operator of a certain car.

You say "kids", so I'm assuming you have more than one.

If that's the case, your insurance company will rate the highest risk drivers on each of your policies. If you have two cars and two youthful operators, they will rate them on different cars so that you are paying for the increased risk of having two teen drivers because they could both be out driving your cars at the same time and therefore, are two seperate exposures making your insurance company much more likely to pay out a claim.

Answer 3

If you have two vehicles and there is yourself and the two kids as drivers, they should be listing one of the kids on the van as a primary driver and the other kid as an occassional on the Expedition. Each kid has to be placed on a separate vehicle.
You can't place both on the same car. It sounds like that is what is happening.

Answer 4

I'm not in IL, but I'm almost certian it's company policy, not law. As others have mentioned, they assume the young drivers will at some point be behind the wheel of the Expedition, and so they charge accordingly.
It may be time to shop around and find a cheaper rate.
Good luck!

Answer 5

You can ask to have them on the other car. Should not be a problem but there will be a form for you to sign. Basically it means there is no insurance on the expensive car if they drive it. Insurance companies generally put underage drivers on the vehcile that generates the most expensive premium. Mind you if you have 2 cars and only yourself besides the occaisional drivers that is another reason why the company wants them to be the primary because there is always a vehicle available for them to drive.

Answer 6

Some companies write coverage this way because they are covering your kids to drive all cars. Since they are covered to drive all cars, they are rated on the highest rated car rather than have they rated on ALL cars. You can sometimes write them a policy separately, but this is not always the best way to do it. If you have more drivers than cars you may be able to rate them as part time. Check with your agent.

Answer 7

Each insurance company files how they file with the state. Right now, it looks like they put the highest rated driver on the highest rate vehcile - and the state is okay with that.

No, its not a law - but its how the company files insurance and its confirmed with the state regulations.

You can shop around and each insurance company will be different.

Answer 8

I'm not sure if it's a "law", but I do know that most companies do this as they know that everyone is going to put the kid on the old car even though chances are, they are driving something else.

Answer 9

would you want an inexperienced driver driving your expensive expedition w/o them being on your insurance and are they driving the expedition? my mother wont even let me drive her expedition and i have my own car and insurance. well you may have a newer car and with older cars in some states you dont need to have insurance on them.