An 18 yo doesn't want a Sienna or Odessey
unless they're a baller!
You can - it's not going to provide any benefit for insurance though as the 18yo will still need to be a primary driver on somethingRichardAlexandreB92192 wrote: ↑ My wife and I already have a car each, and with the youngest daughter starting to drive, 2 kids on 2 cars, is getting hard, looking for my eldest to get her on wheels, I like getting new to ensure we have less hassles with break fix, but now wondering what are options... if I buy/lease the third car I can’t be primary on it but still be owner, would that work?
Be aware you'll need to disclose that second dependent as well if you're all in the same household. If the younger one will not be driving the elder daughter's car, you might need to confirm that in writing with insurance, but she'll literally never be allowed to drive that vehicle.RichardAlexandreB92192 wrote: ↑ My wife and I already have a car each, and with the youngest daughter starting to drive, 2 kids on 2 cars, is getting hard, looking for my eldest to get her on wheels, I like getting new to ensure we have less hassles with break fix, but now wondering what are options... if I buy/lease the third car I can’t be primary on it but still be owner, would that work?
That's only if they're G2 or G. A G1 driver can't be the primary driver on a vehicle policy (they can only be secondary). You can notify the insurance company of a G1'er but you don't legally have to and it doesn't change your policy. The G1 driver is required to be accompanied by a qualified driver who has insurance and is giving them permission to drive their vehicle so they are always insured. With a G2 you are required by your insurance company to notify them and add them to your policy if they live in the same household as soon as they get their G2. At least that's how it was with TDMM, but I assume all are the same.evosero wrote: ↑ Be aware you'll need to disclose that second dependent as well if you're all in the same household. If the younger one will not be driving the elder daughter's car, you might need to confirm that in writing with insurance, but she'll literally never be allowed to drive that vehicle.
If your household has 4 licensed drivers and 3 vehicles, each vehicle will need a different primary driver, and all 4 drivers will need to be listed on your policy, even if still on G1/G2 licenses.
You can also put the third car or more on fire & theft so you reduce the number of cars that can legally drive down to 2 cars. The issue here is OP needs the use of at least 3 cars. If OP is looking to buy a used/new car, it is definitely worth it to get something that is not popular and have the latest standard safety tech such as Honda Sensing, Toyota Safety Sense, Subaru Eyesight. I do know that Subaru vehicles are typically good for insurance as they are not as popular and you got the Eyesight. Maybe take a look at a Subaru Impreza for OPs daughter and see how that affects your insurance compared to a Honda Civic/Toyota Corolla.Ecsta wrote: ↑ That's only if they're G2 or G. A G1 driver can't be the primary driver on a vehicle policy (they can only be secondary). You can notify the insurance company of a G1'er but you don't legally have to and it doesn't change your policy. The G1 driver is required to be accompanied by a qualified driver who has insurance and is giving them permission to drive their vehicle so they are always insured. With a G2 you are required by your insurance company to notify them and add them to your policy if they live in the same household as soon as they get their G2. At least that's how it was with TDMM, but I assume all are the same.
But yeah if you have more cars than people each person with a G2/G license needs to be a primary on a car. My dad went through this when me and me sister were young as we had more cars than people registered at our address (even though some of the cars my sister and I were not allowed to touch lol). As soon as me and my sister got our G2's we had to be primary's on cars. Drove him nuts. If you have less cars than people then put yourself down as a primary and her as secondary it'll be way cheaper, but usually this isn't possible.
RichardAlexandreB92192 wrote: ↑ My daughter is looking at leasing a new Honda civic, insurance are crazy high for her, almost more then the monthly lease.... should I lease the car myself and add her as secondary? Right now I am co-signing the lease.
RichardAlexandreB92192 wrote: ↑ My wife and I already have a car each, and with the youngest daughter starting to drive, 2 kids on 2 cars, is getting hard, looking for my eldest to get her on wheels, I like getting new to ensure we have less hassles with break fix, but now wondering what are options... if I buy/lease the third car I can’t be primary on it but still be owner, would that work?
The thing is OP wants to lease so they will ask for full coverage on the insurance. I guess another thing to consider is how long has the daughter been driving and how many times as such how confident is OP in his daughter's driving skills particularly when friends are involved but during the pandemic that should not be a thing.Xtrema wrote: ↑ The only saving buying is you can forgo comprehensive coverage to save a few bucks
But you probably don't want to skip comprehensive coverage on a new car either.
18 year old, buy a reliable used car and skip comprehensive coverage. There is gonna be a lot of body damages for new drivers. Kinda hurts when you buy new unless that new car is under $20K.
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