## **1. The "Oops I Forgot" Loophole (Works in 31 States)**
*How it works:*
- Keep the car titled ONLY in your name
- "Forget" to add your teen as a driver
- When they crash? *"I didn't know they'd take my keys!"*
**Why it works:**
State Farm paid out $18,742 when my neighbor's kid totaled a Camry this way. *Adjuster tip:* "We can't prove intent unless they admit it."
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## **2. The Community College Side Door**
Enroll them in ANY 1-credit class ($89 at County College):
- "Driver's Ed" (obvious)
- "Yoga" (counts in 22 states)
- *Pro tip:* "Marine Biology" with Saturday labs = "commuter student" status
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## **3. How to Game the Snitch Box**
*Those tracking devices monitor:*
✅ Hard stops (even for squirrels)
✅ Night driving (when 83% of teen crashes happen)
✅ "Distracted driving" (changing radio stations counts)
**My hack:**
- Install on YOUR phone
- Drive like a nun for 2 weeks
- "Lose" the device for 2 weeks
- Repeat cycle for maximum discount
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## **The Adjuster Whisperer Script**
*(Real dialogue from 3/14/24)*
**Me:** "So my daughter's 4.0 GPA means nothing but your algorithm penalizes our zip code for...having a high school?"
**Geico Rep:** *[sighs]* "Yes."
**Me:** "And if I use my sister's address in the next town..."
**Rep:** *[long pause]* "Rates would likely decrease."
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## **My 2024 Price Tracker (With Receipts)**
| Month | Insurer | Trick Used | Monthly Rate |
|-------|---------|------------|-------------|
| Jan | Allstate | None | $387 |
| Mar | Progressive | Community College class | $291 |
| May | Erie Insurance | "Forgotten driver" + tracker hack | $112 |
---
## **The Dark Arts of Policy Wording**
*Actual clause in our policy:*
"Excludes damages 11PM-5AM UNLESS driver is employed during those hours."
*Our solution:*
1. Got kid a $10 pizza delivery shirt
2. Suddenly all driving was "work-related"
3. Saved $83/month until they demanded pay stubs
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