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The Velveteen Ocelot

(130,638 posts)

22. Maybe a conversation with your son, to this effect:

Mon Aug 24, 2015, 12:17 PM

Aug 2015

"Car insurance for you is costing me $11,000 per year. I can't afford it. What are we going to do about this?"

Offer options: He can take on another job to help pay the premiums, or he can move out, or he can stop driving. Make it clear that $11,000 is simply not doable but he gets to choose what he can do to solve the problem.

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My car insurance costs $11,000 a year! [View all] annabanana Aug 2015 OP

I would use the rent that he's paying you noamnety Aug 2015 #1

His resources are negligible annabanana Aug 2015 #7

You are enabling him. noamnety Aug 2015 #10

tickets, fees and public transportation . . annabanana Aug 2015 #12

Nope. noamnety Aug 2015 #14

No. Kick him off your insurance policy. avebury Aug 2015 #36

He killed himself during this time and you did not regret it? Snobblevitch Aug 2015 #49

You were not there to see what all happened with this kid. avebury Aug 2015 #50

I'm really sorry you had to go through all this. noamnety Aug 2015 #56

But your post certainly implies it. nt raccoon Aug 2015 #51

Bicycle then. Or a moped at best. alphafemale Aug 2015 #37

Make him pay for his own insurance. He got the tickets, why should you suffer and why is he even on underahedgerow Aug 2015 #2

He is staying afloat on the ticket fees, suspension fees, and public transportation costs... annabanana Aug 2015 #8

then he does'nt drive blueknight Aug 2015 #35

unfortunately annabanana Aug 2015 #11

Take him off your insurance and don't let him drive your car. Fla Dem Aug 2015 #3

I completely agree with not letting him drive your car. noamnety Aug 2015 #5

If he lives in my house, and has a license, he's on my insurance. annabanana Aug 2015 #6

Have you made it clear to him noamnety Aug 2015 #13

The diff is about $5k per annum annabanana Aug 2015 #15

If he's living with your for free (I'm guessing) noamnety Aug 2015 #17

I can add it to his student loan, I guess. . .n/t annabanana Aug 2015 #19

Huh? So if you took in a roommate, they'd be on your insurance? That doesn't seem right. nt MADem Aug 2015 #53

Mine went up to $7K a year when my son was 17. iscooterliberally Aug 2015 #4

You're not in NY, are you?. . .n/t annabanana Aug 2015 #9

No, I'm down in Florida. n/t iscooterliberally Aug 2015 #28

My foolish adult daughter living at home racked up a couple DUI's once upon a time. Sedona Aug 2015 #16

I have insurance companies on speed-dial annabanana Aug 2015 #18

I know you want to help. oldandhappy Aug 2015 #20

Surrender his license? n/t Chan790 Aug 2015 #21

This seems like the most do-able. annabanana Aug 2015 #26

Maybe a conversation with your son, to this effect: The Velveteen Ocelot Aug 2015 #22

Ask the insurance company if there is something you can do csziggy Aug 2015 #23

don't just call your insurance company, call all their competitors Amishman Aug 2015 #24

better yet noamnety Aug 2015 #25

not for long island, i'm afraid. . . . n/t annabanana Aug 2015 #27

no advice here NJCher Aug 2015 #29

Yes, show your son the local bus schedule and tell him to use that until he can afford his own LynneSin Aug 2015 #30

He has stopped driving like this annabanana Aug 2015 #31

It really doesn't matter at this point. noamnety Aug 2015 #32

Unfortunately it takes 3 years for each ticket to fall off of your insurance LynneSin Aug 2015 #34

26 year olds should pay their own insurance taught_me_patience Aug 2015 #33

If he's not actually driving your vehicle, Joe Shlabotnik Aug 2015 #38

In Canada, isn't insurance included with the vehicle inspection fee? Art_from_Ark Aug 2015 #39

Only commercial vehicles Joe Shlabotnik Aug 2015 #41

I may be a little confused Art_from_Ark Aug 2015 #42

BC has provincially run insurance I believe, Joe Shlabotnik Aug 2015 #44

Pretty sure tag renewal and insurance are together in BC. laundry_queen Aug 2015 #46

Basic insurance has to be with ICBC u4ic Aug 2015 #55

ICBC is dependent on a passed vehicle inspection u4ic Aug 2015 #54

It may be cheaper to get a room for rent on Craigslist then. alphafemale Aug 2015 #40

Choices. Bus pass would save about $10,500/year PowerToThePeople Aug 2015 #43

holy.Moly! Liberal_in_LA Aug 2015 #45

He needs 3 good clean years of no points to lower the rate. Maybe also mackerel Aug 2015 #47

Definitely agree on the good hard work as therapy. Part of the difficulty with grief is the sense DebJ Aug 2015 #48

Make him get his own damn insurance. Or ride a bike. MADem Aug 2015 #52