My car insurance costs $11,000 a year!

[csziggy]

23. Ask the insurance company if there is something you can do

Some companies suggest the offender take classes in driving safety and will reduce rates when they are completed. Maybe there is something else he can do that would convince the insurance company that he is trying to improve his driving habits - ask the company.

I don't agree with taking him off your insurance - you would be in a lot more trouble if he did use one of your cars and got another ticket or was in an accident.

Since he is using most of his income to pay off his tickets and for public transportation, assign him chores around the house that you might have to pay someone to do - or simply want relief from doing. Decide on a monetary value for the chores and "apply" that to his share of your insurance bill. He does need to understand the consequences of his actions and since he cannot afford to pay out money to make up for what it's costing you, he can work for you as a way to repay you.

A young man I am friends with ran a red light in his father's car. His father made him work to pay for the (overpriced) ticket and the increase in the family automobile insurance so the young man made a deal with me. He comes over and mows my yard and pulls weeds.

It's been over a year now and I'm pretty sure he's paid off the ticket but he still does the chores. Aside from the extra money he's decided that since I need the work done, he will do it at least until he finishes school. Since the original infraction he's matured and has begun to make better plans for his life - went back to college and is working on his AA degree.