2400 per year or somethin i think was mine when i was 16. its through the roof no matter what, even if you have good student discounts
no way around it, it sucks
no way around it, it sucks
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Teen Driver's Insurance
- Thread starter ErikCLDR
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While I'm in the UK, ill still give my input.
I pay £1,800 on a '96 Ford Fiesta (1.25L engine). It's disgusting in the UK (I was 17 when i started the insurance.) I'm now 18, so saying i dont crash in the next two months, I'll get a years no claims, so it will come down to about £1200. Still disgusting considering how small my car is.
I pay £1,800 on a '96 Ford Fiesta (1.25L engine). It's disgusting in the UK (I was 17 when i started the insurance.) I'm now 18, so saying i dont crash in the next two months, I'll get a years no claims, so it will come down to about £1200. Still disgusting considering how small my car is.
When I turn 16 the rates my dad told me was it was 180 (16)a month when I was on his car (full coverage), 160 (17) full coverage on my own car and then 120 (18) liability only on the same car but I also had a wreck against me at that point in time..
From then I do not know what my rates where but I guessing it was 120 a month because the next drop was at 21. Right now (23) my rates I believe are 140 a month full coverage on a higher risk and more valuable car then my dad was back when I was 16. In that rate I do have a few discounts. One of being is I am not insured on the rates of my hometown (Houston) but of Lubbock where I go to school that or the 150 miles from home discount. But I thinking it is the Lubbock rates. The wreck that I had when I was 18 was no longer against me and I have no tickets on my recorded the 3 that I did get where all drop because of either Defense driving or Deferred.
My parents tell me that my sister rates are pretty high and they are going to go higher in March when the wreck she had a few months ago counts against her. My brother who is about to turn 22 I believe is over a little over 200 a month because he flip his car a year ago.
Insurance is not cheap for teenagers because they are all in high risk category. The first drop is at 21 and the first large one is at 25 and then of course marriage is another.
From then I do not know what my rates where but I guessing it was 120 a month because the next drop was at 21. Right now (23) my rates I believe are 140 a month full coverage on a higher risk and more valuable car then my dad was back when I was 16. In that rate I do have a few discounts. One of being is I am not insured on the rates of my hometown (Houston) but of Lubbock where I go to school that or the 150 miles from home discount. But I thinking it is the Lubbock rates. The wreck that I had when I was 18 was no longer against me and I have no tickets on my recorded the 3 that I did get where all drop because of either Defense driving or Deferred.
My parents tell me that my sister rates are pretty high and they are going to go higher in March when the wreck she had a few months ago counts against her. My brother who is about to turn 22 I believe is over a little over 200 a month because he flip his car a year ago.
Insurance is not cheap for teenagers because they are all in high risk category. The first drop is at 21 and the first large one is at 25 and then of course marriage is another.
You guys have no idea how high insurance can get. Only in Louisiana does your car insurance payment cost more than your actual car payment.
I'm 18 and my insurance is $3,600/yr with a 20% good student discount.
Last month I got in a minor wreck and my premium is going up $1000 for the next three years! So my parents will be paying $4,600/yr for me to drive. Its absolutely ridiculous and causes me to get in fights constantly with my parents.
Many people where I live work to pay for insurance, especially after Katrina.
I'm 18 and my insurance is $3,600/yr with a 20% good student discount.
Last month I got in a minor wreck and my premium is going up $1000 for the next three years! So my parents will be paying $4,600/yr for me to drive. Its absolutely ridiculous and causes me to get in fights constantly with my parents.
Many people where I live work to pay for insurance, especially after Katrina.
I just turned 25 and my insurance has gone down...600 a year SWEET! Of course, it doesn't help that I have 6 points on my driving record....
I didn't get my driver's license until I was 19, and my insurance cost me about 120 a month in Ohio.
I didn't get my driver's license until I was 19, and my insurance cost me about 120 a month in Ohio.
Finally, something positive about being north of 50...
For my '04 PT Cruiser Turbo, '91 Miata, and '06 Yamaha VStar (and 100/300/100 coverage on all three), I'm paying exactly $1500/year. For AZ, that's killer.
And no, that's not with an AARP discount, either, smartasses (though I will have the Early Bird Special at Denny's occasionally)
For my '04 PT Cruiser Turbo, '91 Miata, and '06 Yamaha VStar (and 100/300/100 coverage on all three), I'm paying exactly $1500/year. For AZ, that's killer.
And no, that's not with an AARP discount, either, smartasses (though I will have the Early Bird Special at Denny's occasionally)
I'm 19, living in MA. No accidents since I got my license at 17, and I'm paying $2500 a year. I don't have a fancy car either - it's a Chevrolet Malibu.
Wow, you're right. That's slightly more than my car payments!
(296/month).As for red costing more, I've gotten quotes on Progressive's website a few times, and they've never asked for my car color. They do ask about ABS, air bags, and Progressive also asks for this:
My friend somehow got a sweet, altogether too-powerful restored classic Firebird when he was 17, I believe the insurance company quoted him something in the ballpark of $7,000/yr to insure it.
A visiting professor to a geology class I took last term in college said that he had spoken a while ago to someone connected with Swiss Re. Apparently the guy said that, had Katrina come a couple of years earlier in the wake of 9/11, the entire global insurance industry would have collapsed.
That's scary as hell to think about when climatologists are looking at an extremely violent Hurricane season this year...
My friend somehow got a sweet, altogether too-powerful restored classic Firebird when he was 17, I believe the insurance company quoted him something in the ballpark of $7,000/yr to insure it.
A visiting professor to a geology class I took last term in college said that he had spoken a while ago to someone connected with Swiss Re. Apparently the guy said that, had Katrina come a couple of years earlier in the wake of 9/11, the entire global insurance industry would have collapsed.
That's scary as hell to think about when climatologists are looking at an extremely violent Hurricane season this year...
Our insurance industry is generally just screwed up. How does it work in other countries?
I pay about $100 a month with Allstate for a '97 Jetta with no collision insurance (collision insurance can raise your rates a lot, though it can certainly end up being worth it, if you can afford it). I'm 19 and as of when my last 6-month coverage period started, I had a clean record. I've gotten a speeding ticket since then so we'll see if it affects my rates and/or by how much.
Really? Interesting. I wouldn't really like red anyway, maybe on a VW Golf GTi. Or maybe the r32 Blue
Orange would be my favourite car colour, like on this:
None of which I would even be able to insure, or even afford for a first car. And there is the "I'm 14" factor as well.
False. The color of your car does not effect you insurance rates. It is one of those nice insurance myths out there. It does not matter what the color of the car is.
A Accord is going to cost the same to insurance weather it red blue green or any other color.
The insurance company do not even car what color of your car is. The only reason people think red has higher cost is red in people mind = sport car and that means higher insurance. Relativity is it does not matter. I drive a red car and my insurance rates would be the same if the car was blue. Color does not matter.
Now model does matter. Some insurance companies classify my car in the sports class other put it in the compact class. My insurance has my car as a compact but I do know of some reports of it being call a sport GT car.
Insurance for a teenager is quite expensive, im only fifteen but my mom has checked with her insurance agent and it is going to be about $200 per month.
I've got a 2001 Toyota Celica GT-S, which has a little under 200hp
The $200 is AFTER my good student discount, plus I live in a rural area.
The red car myth is false, but it the two letters "GT" are what is going to make the price skyrocket, regardless of what kind of engine the car actually has.
And by the way, insurance is a big rip-off, my father owns a auto body shop and after experience and my parents b*tching to insurance companies I h ave come to realize what a rip off it is.
If you wreck your car and your insurance company is paying for it, you are going to recieve salvage, refinished and used parts on your car. Period.
I've got a 2001 Toyota Celica GT-S, which has a little under 200hp
The $200 is AFTER my good student discount, plus I live in a rural area.
The red car myth is false, but it the two letters "GT" are what is going to make the price skyrocket, regardless of what kind of engine the car actually has.
And by the way, insurance is a big rip-off, my father owns a auto body shop and after experience and my parents b*tching to insurance companies I h ave come to realize what a rip off it is.
If you wreck your car and your insurance company is paying for it, you are going to recieve salvage, refinished and used parts on your car. Period.
again not true on the last part. You can request factor parts. All the prices are based on OEM parts for the most part and that is normally what you get. If some one else hits my car you can be damn sure I am going to demand OEM parts and anything that has to be replaced is going to be brand new as well.
Reason I now that is my family has had to have a few cars taken in the shop over the years and every time things had to be replace it was always with new OEM parts.
Just as an update, I just renewed my car insurance,
I'm 18, 1 years No Claims Bonus, and for a 1.25L 16v Ford Fiesta it was the disgusting price of
£1106.17
Although, it's £700 cheaper than last years £1810 policy.
I hate being a teenager.
I'm 18, 1 years No Claims Bonus, and for a 1.25L 16v Ford Fiesta it was the disgusting price of
£1106.17
Although, it's £700 cheaper than last years £1810 policy.
I hate being a teenager.
I own a town car / limo company..
to put a 21 year old on our commercial insurance it cost $5000, on the same BMW 750i through allstate it cost $2800 a year
Over the years the cars value is what really determines the price, equally as much a clean record will save you a few hundred as well
to put a 21 year old on our commercial insurance it cost $5000, on the same BMW 750i through allstate it cost $2800 a year
Over the years the cars value is what really determines the price, equally as much a clean record will save you a few hundred as well
theres little benefit in talking insurance costs on a chat board online since we have no clue what people's limits and coverages are.
I could have excellent coverage and pay $3000 a year or I can have such a high deductible and low coverage and pay $500 a year.
no way to tell.
personally, I find no reason for a child under 18 to need to have their own car to drive. and insurance only supports my ideas.
I could have excellent coverage and pay $3000 a year or I can have such a high deductible and low coverage and pay $500 a year.
no way to tell.
personally, I find no reason for a child under 18 to need to have their own car to drive. and insurance only supports my ideas.
I had my own car when I was 16, because my parents drove nicer vehicles and didn't want me to drive their cars, as I may wreck/dent them.
If I had a kid, I would for sure get them their own vehicle. They can get to school on their own, same with work, I won't have to share a vehicle with them and they won't damage my nicer car. I can think of all the things I did in my car when I was younger that would make me angry today.
Not saying I would buy them a brand new car, but an older honda or similar would be acceptable to me.
To add my dated and likely irrelevant data point - in 1997 I was paying $215/month to fully insure a red Honda Prelude in Austin, Texas. I was 18 at the time.
I'm not sure what my parents were paying to insure me on their vehicles while in high school, though.
I'm not sure what my parents were paying to insure me on their vehicles while in high school, though.
Nice thread bump!
I hope the OP's insurance rates are lower now
DOH! Foiled again!
Charge him/her for the difference in price. That might motivate him/her to do better in school.