car insurance?

[goldfish]

My husband and I are both 18. Right now we only have one car (mine), because a while back he totaled his (it wasnt a bad accident, its just that the airbags deployed and the car was a piece of crap, so the amount it would cost to buy new airbags was more than how much the car was worth ) and he has been in training for the past 6 months so he wasn't allowed to have one anyway.
Well, in a few weeks he'll be done with training and we'll be on our way to our first duty station, where he will definitly need a car. What i'm worried about is car insurance. Two eighteen year old full time drivers is going to be REDICULOUSLY expensive and i don't really know how we'll afford it.

We were thinking of maybe adding dh onto my parents car insurance (which i am currently already on) and reimbursing them every month. But then we also considered getting our own plan with USAA. Any opinions?

[*MarineBug*]

When I first got DH and Mine I had just turned 20 and he was 21. We go through USAA. for our cars (two) and renters insurance we pay about $170 a month and thats including insurance on my jewelry. We did have to pay the first 6 months in advance which is pretty common for first time insurance users. Its not so much age as it is never having insurance before. I would just call around and get quotes.

[rosebud*]

usually once you marry that gives you some leeway as far as costs. being married is supposed to make you the magic age of 25 at least that is what i was always told.

[rcwant2be]

Legally since you are 18 and married I doubt being on your parents insurance is exactly legal.

Get your dh a cheap beater car that he can put the minimum insurance on (no collision). If you have a car in mind, you can get quotes.
Posted via Mobile Device

[SammaJamma]

Originally Posted by *MarineBug420* When I first got DH and Mine I had just turned 20 and he was 21. We go through USAA. for our cars (two) and renters insurance we pay about $170 a month and thats including insurance on my jewelry. We did have to pay the first 6 months in advance which is pretty common for first time insurance users. Its not so much age as it is never having insurance before. I would just call around and get quotes.

To the bolded?? You did? When I bought my first car and got insurance I didn't have to do that...and I do have USAA since I was 20

[SammaJamma]

Originally Posted by rosebud* usually once you marry that gives you some leeway as far as costs. being married is supposed to make you the magic age of 25 at least that is what i was always told.

oh it does!!! I didn't know that until 6 months AFTER i was married when I was switched over when we got a new car it was 200 dollars cheaper because I was married

[Circus cyaneus]

n/m!

[goldfish]

Originally Posted by *MarineBug420* When I first got DH and Mine I had just turned 20 and he was 21. We go through USAA. for our cars (two) and renters insurance we pay about $170 a month and thats including insurance on my jewelry. We did have to pay the first 6 months in advance which is pretty common for first time insurance users. Its not so much age as it is never having insurance before. I would just call around and get quotes.

i cant believe it was so cheap! I pay my parents almost that much just for myself

Originally Posted by rcwant2be Legally since you are 18 and married I doubt being on your parents insurance is exactly legal. Get your dh a cheap beater car that he can put the minimum insurance on (no collision). If you have a car in mind, you can get quotes. Posted via Mobile Device

why would it not be legal? I'm still living at home with them currently. Besides i only got married 2 weeks ago

[PeppermintRei]

Originally Posted by *Samantha* oh it does!!! I didn't know that until 6 months AFTER i was married when I was switched over when we got a new car it was 200 dollars cheaper because I was married

Ours went down more then half when we were married.

OP, I think you should go with USAA. They will serve you well and will follow you anywhere you may get stationed, including overseas.

[PeppermintRei]

Originally Posted by armygirl8714 i cant believe it was so cheap! I pay my parents almost that much just for myself why would it not be legal? I'm still living at home with them currently. Besides i only got married 2 weeks ago

Being married is usually what makes it against policy rules. You get a 30 day grace period to switch. Your parents could lose their insurance if it's against their policy rules and you stay. Have your parents call and ask their insurance about it to find out.

BTW, my insurance with them is $120 a month. But we just went into the "old and married category" (over 25).