high schoolers- how much do you pay for insurance?
03-13-06, 05:20 PM
#1
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high schoolers- how much do you pay for insurance?
Well after getting my lisence, I got a nasty suprise. Insurance costs. $2300 a year!! And yes, I do have to pay for most of it, and that's with the good grade discount and drivers ed. discount. 
So how much do you pay, and do you pay for it yourselves? I know many of my friends have their parents pay for it. Just wondering.
~b.k.
So how much do you pay, and do you pay for it yourselves? I know many of my friends have their parents pay for it. Just wondering.~b.k.
03-13-06, 05:52 PM
#5
Roll to Heaven in a RX-7
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Originally Posted by ch0g0nda
Ouch; I was only looking at $1100 a year when I had my '84... (that's CDN to)
really i got quoted $2500 a year for my 82
but ill be finding out sortly actually how much im guuna have to pay since i just finished my car this week
03-13-06, 06:15 PM
#7
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I get *** raped in insurance. I am young, and I am a boy. Here in south Ontario, Canada, I pay like 2500$ a year. That is the best deal I could find, and I have drivers ed, and my mom gave me her discount points and ****.
It will drop in april though.
It will drop in april though.
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03-13-06, 06:19 PM
#8
To all you high schoolersout there, here's some incentive to drive safely and responsibly:
I'm 22. I've been driving since I was 17 (so basically 5 years). My driving record is completely clean.
I pay $400 for 6mo for insurance because I've been driving 5 years without incident. I'm no longer in the "high risk" insurance category because I've been a responsible driver.
Something to think about.
Jon
I'm 22. I've been driving since I was 17 (so basically 5 years). My driving record is completely clean.
I pay $400 for 6mo for insurance because I've been driving 5 years without incident. I'm no longer in the "high risk" insurance category because I've been a responsible driver.
Something to think about.
Jon
03-13-06, 06:34 PM
#9
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Don't forget, age is also a factor, not counting the car. I don't know how Canada is, but in the States, when you hit 23, your premium drops a little bit. Once you hit 25, it drops even more. So 25, here anyways, is the age limit. Along with having a clean record. So, try to drive safe and not be a jackass so that you'll live to see that age.
P.S. Be mindful not to cut off large trucks and expect them to stop on a dime. I hate it when dipshits do that.
P.S. Be mindful not to cut off large trucks and expect them to stop on a dime. I hate it when dipshits do that.
03-13-06, 06:45 PM
#12
****ty Tune= Low #'s
im 16 about to be 17 been driving since the day i turned 15 i have the good grades discount.. drivers ed and a clean record (knockin on wood).......im only paying around $800 a year and thats me cheating the system by not listing under my rx-7 im listed under my moms 94' volvo wagon with over 200,000 miles....
my sister age 22 is paying over $1500 a year because when she was 16 she got 3 speeding tickets and got in 2 wrecks (in that sweet volvo wagon "im driving"haha) and because of her our boat insureance is higher because of those wrecks and tickets even though she has never even gone out on my boat
my sister age 22 is paying over $1500 a year because when she was 16 she got 3 speeding tickets and got in 2 wrecks (in that sweet volvo wagon "im driving"haha) and because of her our boat insureance is higher because of those wrecks and tickets even though she has never even gone out on my boat
03-13-06, 06:46 PM
#13
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mine was 135$ a month, but that was after 2 car wrecks, 4 speeding tickets, 2 driving with out a license, and 1 for having to many passenger that were not properly secured. Needless to say I didnt have my license back until I turned 18. now its 140 a month. Not bad really.
03-13-06, 06:49 PM
#14
Full coverage, with 1000/500 deductables, a 1st and 2nd gen and an 00 Chevy 1 ton dually box van, less than 1500/year for all 3 total. It pays being an old fart somedays. A friend of mine who just turned 21, had his insurance cancelled when he went to renew it, they decided his 7 was a sports car.
03-13-06, 06:59 PM
#15
I laughed when talking to my insurance guy the first time. Partway through the call he said "what year is that car again?" and I said '84, to which he replied "Well that's a 20yr old car! That no longer counts as a sports car"
Who am I to argue, I pay less insurance this way.
Jon
Who am I to argue, I pay less insurance this way.
Jon
03-13-06, 07:17 PM
#17
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I am 18 and I am on my own for insurance I pay $130 a mounth for my 1985 rx7 gs and 1995 gmc sonoma 2wd. I carry the bare minimum through state farm. I have had no acidents that were my fault but i have had a ticket for carless driving. ( i poped the clutch at the local park the second day i had my rx7 LOL). The insurance is also cheaper if the car is in only your name, as your parents have more to get taken to court for. I save about 30-40 dollars a mounth by having my vehicles put in my name and my name only.
03-13-06, 07:17 PM
#18
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im 17 in a month, i got my lisence on my 16th birthday and with a clean record im at $110, if i get good student its only $60. i pay all my bills btw, insurance, gas, repairs, and i paid for my car my self 
03-13-06, 07:58 PM
#19
damm thats great for all you highschoolers! im almost 17 under my parents name and i am under a 1989 ford aerostar which is my daily driver hah with 190,000 original miles and still solid. my price is around 1200USD without good grades and without drivers ed discounts... gotta get my drivers ed soon... too dam lazy to pick up the packet and pay 70$. but it adds up.. hah gotta get that and we'll see about my good grades.. heh heh
03-13-06, 08:01 PM
#20
Senior Member
Originally Posted by fcdrifter13
mine was 135$ a month, but that was after 2 car wrecks, 4 speeding tickets, 2 driving with out a license, and 1 for having to many passenger that were not properly secured. Needless to say I didnt have my license back until I turned 18. now its 140 a month. Not bad really.
That is a really good price considering, I have 4 speeding tickets and a reckless driving ticket and no wrecks and mine is 300 a month at every company.
03-13-06, 08:30 PM
#21
im 20 been drivin since i was 15lol on the left side of the road lucky all the **** i did they wont find out which is 2 crashs,4speedin,3 for passangers,1 not stoping.and the others cant remember ohh heaps of burnouts
i dont have my licence yet but i got a qoute for 481 under my mums insurace company
i dont have my licence yet but i got a qoute for 481 under my mums insurace company
03-13-06, 08:44 PM
#23
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Originally Posted by Rusty Shackleford
im only paying around $800 a year and thats me cheating the system by not listing under my rx-7 im listed under my moms 94' volvo wagon with over 200,000 miles....
The critical point is to have third party insurance. Even my dog has a $15 million policy! Sounds crazy but she is a 84kg wolfhound, if she frightens anyone and they slip running away. It's essential to have cover in these days of high claims and mega legal fees.
Fortunately I am only paying $900 a year full cover for a $12,000 gen 1 RX-7 after 25 years no claim.
