The Cost of having a Driver

Posted on July 19, 2013 

car insurance
I recently called my insurance agent to see how much it was going to cost to add DJ, my new driver, to the insurance policy. Ouch!
The receptionist told me she could give me the quotes.
"I think I might give my daughter my car and purchase a new one for myself. How much will my insurance increase if I go that route?"
"Let's see Mr. Ham. Humm - it's going to jump a bit since she's an inexperienced driver."
"Oh, she's not inexperienced. I've driven countless miles with her over the past year. It's been weeks since she got out of the car without forgetting to turn it off. Heck, I even taught her how to take off the gas cap. Took two or three times for her to fully catch on, but, she's mastered it now. Even got her first wreck out of the way - and that was in the Driver's Ed Car!  She is NOT inexperienced."
"We'll, you do have your homeowners insurance with us. That will help."
"Yes I do! And, remember I went to high school with the agent's brother."
"Looks like its going to go up by... $2,200."
"$2,200 a year? Damn Sam, that's steep!"
"Oh no Mr. Ham - it's not $2,200 a year."
"Whew! I thought something had to be wrong."
"Yes. That's wrong. You see, you pay twice a year. That's just for six months. It'll end up being $4,400 a year."
"I'm sorry. I thought I had asked for a quote to add one tiny, sweet, cautious human to my car insurance policy NOT what it was going to cost me to put her through a year of college!!!"
"Pardon?"
"You are an evil woman."
Things I could do with $4,400:
  • Fly to Hong Kong with DJ and stay at the Ritz Carlton for two nights
  • Buy 1/4 of a camel in Pakistan
  • Get DJ a 2005 Volkswagen Beetle GLS with halogen projector beam headlamps including clear polycarbonate lenses
  • Purchase 25 bottles of Dom Parignon and cater a party for 100 people to come over and drink it
  • Hire a hit man to take out my insurance agent
Needless to say, we're considering other options...

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