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insuring new drivers.....ouch

Gibson486

Gibson486

Lifer
my cousin never drove before...she is 24.

She just got her license....insurance is $270 a month! DAMMM.....

get your license when you are young kiddies....
 
Ya, I plan on getting mine soon. I have not had the chance to get it until now though. If I do get a car, I am looking at $140 Liability. Thank god Moped insurance is cheap.
 
We were paying well under $1000 for two vehicles, one with full coverage. Two sons, both have their driver's licenses now. Now, there are 4 vehicles. One of the boys was in a minor accident. Wife got sideswiped by a student in the school parking lot. He was traveling too fast, black ice. Then, a deer jumped in front of our 2 month old van. My wife had only made 1 payment on it. All in a span of 3 or 4 months.

I'm getting killed for auto insurance.
 
How would getting a license when young help much? Insurance is still going to be high if you have no insurance history.
Also she only has 1 year until she's 25 when it'll probably turn quite favourable.

It does seem very high though, considering she's not a young kid and she's female. Presumably it's not some cheapo crap car that she's insuring, which accounts for a lot of the cost.
 
When I applied for insurance it was basically more then what the car costed me. So I just got my dad to buy the car and insure it, and paid him.

Insurance was something like 5 grand per year.
 
Originally posted by: Lonyo
How would getting a license when young help much? Insurance is still going to be high if you have no insurance history.
Also she only has 1 year until she's 25 when it'll probably turn quite favourable.

It does seem very high though, considering she's not a young kid and she's female. Presumably it's not some cheapo crap car that she's insuring, which accounts for a lot of the cost.
Click to expand...

because she would be 24 with experience driving. All the cost is from collision. It's a somewhat used civic (06), so it is expected. When I was 24, I insured a 1 year old car for 400 for 6 months of service.
 
That amount they want her to bay sounds about right. Back in early 1991, I bought a Porsche 944. I was 21 and they wanted $265 a month (with a $1000 deductable) for full coverage.

I got rid of that car and bought a brand new turbo Eclipse in December 1992. The coverage was $299 a month with a $600 down payment! Un-fricken-believe-able!
 
Originally posted by: FelixDeKat
That amount they want her to bay sounds about right. Back in early 1991, I bought a Porsche 944. I was 21 and they wanted $265 a month (with a $1000 deductable) for full coverage.

I got rid of that car and bought a brand new turbo Eclipse in December 1992. The coverage was $299 a month with a $600 down payment! Un-fricken-believe-able!
Click to expand...

Hahahaha....they must have foresaw the crank walk issues with the next generation Eclipse.
 
Originally posted by: Gibson486
Originally posted by: FelixDeKat
That amount they want her to bay sounds about right. Back in early 1991, I bought a Porsche 944. I was 21 and they wanted $265 a month (with a $1000 deductable) for full coverage.

I got rid of that car and bought a brand new turbo Eclipse in December 1992. The coverage was $299 a month with a $600 down payment! Un-fricken-believe-able!
Click to expand...

Hahahaha....they must have foresaw the crank walk issues with the next generation Eclipse.
Click to expand...

I didnt keep that car too long either. From 1987 until my last purchase in 2005, Ive owned a total of 15 automobiles. Since I no longer give a crap about what I drive, Ive settled on my old Mercedes. Its a bad habit to get rid of cars too soon. I've lost about $100,000 doing it (roughly).
 
I'm 24 and just got my first quote for insurance... $700/6 mo. IN JERSEY for a bank owned jeep liberty...

You're all doing it wrong 😉
 
I turned 25 and am awaiting my newest bill in anticipation of a minor rate drop.

Insured since age 16 though.
 
my sister never drove a goddamn thing until she was 24 and it took her totaling 2 cars before her insurance went higher than mine


<--- spotless record
 
Originally posted by: ElFenix
my sister never drove a goddamn thing until she was 24 and it took her totaling 2 cars before her insurance went higher than mine


<--- spotless record
Click to expand...

hmmm, maybe us living in MA has something to do with it....

Did she get ger license at a young age but did not really drive until later?
 
Originally posted by: Gibson486
Originally posted by: ElFenix
my sister never drove a goddamn thing until she was 24 and it took her totaling 2 cars before her insurance went higher than mine


<--- spotless record
Click to expand...

hmmm, maybe us living in MA has something to do with it....

Did she get ger license at a young age but did not really drive until later?
Click to expand...

nope, never got a license until 24. she turned 16 in south america where my parents had a driver, so never drove there. then she went to college and didn't have a car, so never drove there.
 
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