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Life comes at you fast…teenage boys edition
Posted on 10/29/26 at 10:52 pm
Posted on 10/29/26 at 10:52 pm
So I’ve been married for 26 years and have 2 teenage boys. One 19 and one 16. The 19 yr old is in college and had a small fender bender a year ago and an under 10 mph over ticket. Our insurance is a fortune and renews early December so we were getting quotes because the renewal is up a LOT.
So I had two options that were way better and was working up a comparison and I get a call from my wife. My 16 yr old just rear ended some dude. Went out there and his car is probably totaled…so another claim about 30 days from my auto renewal. Smashed my kids car and barely damaged the dudes bumper and fender of his 2001 Chevy 1500. But I do understand that’s a huge hassle for somebody that got hit.
Kids put pressure on your life when they’re little just due to the time and love that you have for them. Then, they become teenagers and/or college students and it becomes a total financial strain to try and get them established and deal with bullshite like this.
Obviously, I’m thankful he was okay. But damn. The stress of managing kids peaks when they’re little….abates when they start school…but ramps up through the teenage years.
And now I have to end up trying to insure these jokers.
Rant over
So I had two options that were way better and was working up a comparison and I get a call from my wife. My 16 yr old just rear ended some dude. Went out there and his car is probably totaled…so another claim about 30 days from my auto renewal. Smashed my kids car and barely damaged the dudes bumper and fender of his 2001 Chevy 1500. But I do understand that’s a huge hassle for somebody that got hit.
Kids put pressure on your life when they’re little just due to the time and love that you have for them. Then, they become teenagers and/or college students and it becomes a total financial strain to try and get them established and deal with bullshite like this.
Obviously, I’m thankful he was okay. But damn. The stress of managing kids peaks when they’re little….abates when they start school…but ramps up through the teenage years.
And now I have to end up trying to insure these jokers.
Rant over
Posted on 10/30/26 at 5:22 am to SquatchDawg
I totally get it. Kids cost a lot of money is every way.
I switched insurances last year. Had been with Liberty Mutual for 30 years, but the rates kept going up and up, with no accidents or anything.
Called around and got a rate about 2/3 of my last LM rate. Dropped them.
You pretty much have to shop insurance around regularly
I switched insurances last year. Had been with Liberty Mutual for 30 years, but the rates kept going up and up, with no accidents or anything.
Called around and got a rate about 2/3 of my last LM rate. Dropped them.
You pretty much have to shop insurance around regularly
This post was edited on 10/30/26 at 5:23 am
Posted on 10/30/26 at 9:09 am to SquatchDawg
quote:
The stress of managing kids ramps up through the teenage years
Some say it's God's way of preparing you to (be able to) let them go.
Posted on 10/30/26 at 1:52 pm to paperwasp
Get them an old pickup and run liability. Oh, and "You wreck it, you walk."
Least that's what my Dad did. Amazing the abuse a 51 Ford F2 will take.
Least that's what my Dad did. Amazing the abuse a 51 Ford F2 will take.
Posted on 10/30/26 at 2:07 pm to SquatchDawg
This is why I never had kids. I just hang out with my buddies Rick and TC all day. Sometimes I'll take the Ferrari for a drive or just hang out at the beach.
Posted on 10/30/26 at 2:18 pm to 1BIGTigerFan
quote:
I just hang out with my buddies Rick and TC all day
I've taken up residence in a tree
Posted on 10/30/26 at 2:38 pm to SquatchDawg
I was mostly expected to pay my own bills at that age in terms of my car.
I did the same with mine. If you want something, work for it.
Doesn't mean you don't help obviously, but time to start throwing some responsibility on them.
I did the same with mine. If you want something, work for it.
Doesn't mean you don't help obviously, but time to start throwing some responsibility on them.
Posted on 10/30/26 at 7:38 pm to paperwasp
I'm gonna turn you in.
You caused a shitload of trouble a few years ago.
I'm thinking you may be lying.
Show me a picture of your hat.
......what's your real name and address?
You caused a shitload of trouble a few years ago.
I'm thinking you may be lying.
Show me a picture of your hat.
......what's your real name and address?
Posted on 10/30/26 at 7:56 pm to SquatchDawg
Teaching my daughters to drive constantly caused me to feel like a molten blob of iron was in my stomach. My heart bleeds for you.
Posted on 10/31/26 at 9:49 pm to Chrome
I taught my daughter to drive, then bought her a tank to drive. 79, Buick. Gas was a headache ….but she never hit anything.
When the girls started clubbing at Ybor City (Tampa) the rules were simple, one designated driver, I cover her drinks. Heather (girlfriend) left with some guy that picked her up. Daughter drove all the girls home. Daughter walks in, had clearly been drinking….held my hand out….keys in my hand “ Two weeks, Mom will be aware her emergency driver is grounded. Touch those keys on the counter, I’ll flatten the tires.” They avoided the keys…..always told her….”I do this to avoid a trip to the morgue to identify you.”
She waited until she was 25 to drive home drunk. Husband was a Marine Corps Officer …..He got to pay the cost….came and asked what I did to avoid the cost. “I understand she was driving you home. You got a break because the Judge liked decorated Officers. Next time, take a damned cab home…..cheaper that way…dodging drunk drivers is.better than dodging bullets.” They took my advice. They did their drinking at the Officer’s Club on base. Shorter walk home.
When the girls started clubbing at Ybor City (Tampa) the rules were simple, one designated driver, I cover her drinks. Heather (girlfriend) left with some guy that picked her up. Daughter drove all the girls home. Daughter walks in, had clearly been drinking….held my hand out….keys in my hand “ Two weeks, Mom will be aware her emergency driver is grounded. Touch those keys on the counter, I’ll flatten the tires.” They avoided the keys…..always told her….”I do this to avoid a trip to the morgue to identify you.”
She waited until she was 25 to drive home drunk. Husband was a Marine Corps Officer …..He got to pay the cost….came and asked what I did to avoid the cost. “I understand she was driving you home. You got a break because the Judge liked decorated Officers. Next time, take a damned cab home…..cheaper that way…dodging drunk drivers is.better than dodging bullets.” They took my advice. They did their drinking at the Officer’s Club on base. Shorter walk home.
Posted on 11/4/26 at 1:05 am to SquatchDawg
My dad had a rule for me. Crash the car you don’t get another one. If it’s damaged and not legal to drive then you don’t drive.
Glad he’s ok. Maybe give the 16 year old a time out from driving. At 18 I was told figure it out. I did after a lot of trial and error.
Glad he’s ok. Maybe give the 16 year old a time out from driving. At 18 I was told figure it out. I did after a lot of trial and error.
Posted on 11/4/26 at 2:20 pm to 1loyalbamafan
quote:
......what's your real name and address?
Posted on 11/5/26 at 5:48 am to SquatchDawg
quote:
I have to end up trying to insure these jokers.
Back when I was young, buckboard insurance was cheap as dirt.
Some thoughts ...
Always get 3 quotes before annual renewal, just make sure stats match perfectly so you can compare the best. In the old days you got 10% off if you paid the full year in advance (and they could not jack premium like if you paid monthly or quarterly)
With kids, make sure they have the cheapest vehicle to insure. Until Buick got out of the sedan business they were the cats meow. (Mid to level 4 door sedan - avoid the top line like Park Avenue).
Look for the speciality insure who cherry picks but does not advertise. Circa 2000 it would have been Cincinnati Insurance and Guide One. Guide One was a specialty that just insured churches before getting into insuring the church goers. When I had a policy with them they would take me to and fro to church if my car was disabled. Downside is they did not insure if you were drinking or high if an accident occurred. They were always about half the cost of those who advertised because they cherry picked the low risk crowd.
Sadly in the 90's or so they hired young marketing and MBA types and changed their name about every other year and got bought up by somebody else because of all the costs for the name changes.
This post was edited on 11/5/26 at 5:57 am
Posted on 11/5/26 at 12:03 pm to Cheese Grits
quote:
They were always about half the cost of those who advertised because they cherry picked the low risk crowd
There are most definitely carriers out there that still do this.
If you meet their criteria and have little-to-no claim history, it behooves them to cater specifically to you as opposed to their typical high-volume policy ROI.
Posted on 11/5/26 at 5:30 pm to 1loyalbamafan
Waspy has multiple jobs in real life
In addition to living in trees in Alabama he also warns us to hide our wives and kids. He is just that much of a humanitarian.
Posted on 11/6/26 at 9:01 am to Cheese Grits
quote:
Waspy has multiple jobs
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