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Old Apr 10, 2018 | 04:12 PM
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Default Insurance question
Now that our kids got drivers licences, Allstate is insisting that each driver be a principal driver on a separate vehicle. In our family there are 4 drivers 3 cars. In actuality, I am the one to mostly drive the Macan and the only one to ever drive the 911. The Subi is being used by everyone. I should be the principle on both Porsches, but Allstate does not allow that. Making it very expensive to put the 911 back on the road for the summer.

Does your insurance company allow same principle driver on multiple vehicles with multy-DL families?

Thanks
Stan
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Old Apr 10, 2018 | 04:31 PM
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If you have a wife, have her on one, you on the other and raise the age limit on your Porsche 911 to 25. Eliminates the kids
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Old Apr 10, 2018 | 04:34 PM
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Many companies will let you list the kids as "excluded drivers" on vehicles. Otherwise they have to rate every vehicle as being driven by every driver in the household.
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Old Apr 10, 2018 | 04:44 PM
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Everyone is my house is excluded on the Porsche. I am listed as the primary driver on 2 cars. Everyone I know who is an insurance broker told me never to use Allstate. They all felt it was THE WORST insurance company.
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Old Apr 10, 2018 | 06:25 PM
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We have 3 cars and 4 licensed drivers. The wife is principle on the Lexus. I'm principle on the Porsche and the GTI. My two daughters are occasional and excluded from the Porsche. I've been told some company's won't do this. If yours won't then I would move to one that would allow.
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Old Apr 10, 2018 | 07:02 PM
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I wonder how much money I would save if I exclude my wife on the 911, she doesn't drive it anyway....
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Old Apr 10, 2018 | 09:10 PM
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Originally Posted by lowbee
I wonder how much money I would save if I exclude my wife on the 911, she doesn't drive it anyway....
Some say divorce will save you money. Apparently there may be some debate on this...
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Old Apr 11, 2018 | 10:21 AM
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Originally Posted by Mumbles
If you have a wife, have her on one, you on the other and raise the age limit on your Porsche 911 to 25. Eliminates the kids
Originally Posted by Bacura
Everyone is my house is excluded on the Porsche. I am listed as the primary driver on 2 cars. Everyone I know who is an insurance broker told me never to use Allstate. They all felt it was THE WORST insurance company.
Originally Posted by Greg981
We have 3 cars and 4 licensed drivers. The wife is principle on the Lexus. I'm principle on the Porsche and the GTI. My two daughters are occasional and excluded from the Porsche. I've been told some company's won't do this. If yours won't then I would move to one that would allow.
If you guys can tell me which insurance company you use or know that has such a policy, I'd really appreciate it.

Thanks
Stan

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Old Apr 11, 2018 | 02:07 PM
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911 Rod's Avatar
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I had to have my son switch his name on his driver's licence to his grandmother's address.
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Old Apr 11, 2018 | 02:26 PM
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Allstate Stan
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Old Apr 11, 2018 | 06:54 PM
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Originally Posted by StanThePorscheFan
If you guys can tell me which insurance company you use or know that has such a policy, I'd really appreciate it.

Thanks
Stan
Sure. Intact. I wonder though if its less what insurance company you use VS how much your broker is willing to go to bat for you.
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Old Apr 11, 2018 | 09:36 PM
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Allstate is only willing to exclude a driver from all vehicles, not from just one. And I need my kids to be able to drive at least one car.
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Old Apr 12, 2018 | 06:37 PM
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Originally Posted by StanThePorscheFan
Allstate is only willing to exclude a driver from all vehicles, not from just one. And I need my kids to be able to drive at least one car.
Your broker is supposed to be working for you. Haha. Shop around.
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