I need advise concerning a car insurance premium increase.?

My car insurance company just raised my yearly premium by more than double after they found out that my 18 yr. old grandson moved into our home. We have had no claims ever and my grandson has had his license for 1 yr. and has never had a driving violation. Does anyone know if this is legal and do I have any recourse other than to go shopping for another carrier?I need advise concerning a car insurance premium increase.?
It is legal, and young males are much more likely to be in an accident, even if they dont have a record. If you want, you can shop for lower rates and see what is out there.I need advise concerning a car insurance premium increase.?
you must sign a disclaimer indicating that he will not drive your vehicle.........he should get his own insurance.
It is entirely legal. Shopping around is worth while, but may not help. If you get a better quote, and like your current agent, let him/her match the better quote.





Your only other recourse is to never let your grandson drive the car(s) that you own. To control insurance rates, my parents allowed us to drive only one of thier cars, and never the other. The insurance company, was okay with this.





If he is currently a regular driver, you were legally bound to notify the insurance company that he was, even if he did not live with you. If you did not notify them of that - they could have legally dropped you - or raised your rates a great deal more.
Yes, it's legal. Your son has regular access to your vehicle and lives with you - there's a high change that he could, on his own, drive the vehicle. Younger drivers are higher to insure.





You may have optiosn to remove him from coverage. Ask your insurance company if he could be excluded (that means he was absolutely NO coverage to driver your vehicle and he won't affect your rate).





Have him purchase his own policy. With some companies, if he has his own insurance and you provide proof, he would be removed from your coverage.
being an agent i see this all the time....i work for a brokers office so we sell insurance for many different companies, and there are alot of companies out there that are very strict with their guidelines, and i see people everyday that this happens to, yes it is legal, its because an insurance company looks at the risk of something happening causing a payout on the policy. the ompany os going to look at what are the chances that 18 year old will drive that car to the store one day am get in an accident on the way....they want to make sure rates are highers for the just in case of a payout.....i know it sucks even though i work in insurance i still believe it is a necessary evil...l.ol...lol...lol
Some carriers will allow you to sign an affidavit stating your grandson will not touch any of the cars on your policy....then, if he is ever driving one of your cars and there is a claim, they can deny coverage. Otherwise, if he is driving your cars, its merely the price all parents have had to pay for teen drivers. I had two beginning drivers on at once and it just about killed me. I did find lower rates with AAA.
Yes it's legal! ANY insurance company is going to charge you for this grandson, unless you specifically exclude him from the policy. That means, if he drives, there's no coverage. None for him, none for the car he's driving, none for any damage he does - YOU WRITE THE CHECKS, instead of the insurance company.





If you go shopping, and don't disclose him, they are likely to find him anyway and uprate you (they have methods to find undisclosed operators!), and if they don't, and he is in an accident, they can deny coverage and cancel the policy for material misrepresentation.
shop around buyer beware