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04-04-2009 05:50 AM  10 years ago
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zackesch

rrApprentice

Milwaukee, Wisconsin

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First car...
...almost.

I am almost to the point of getting my first car. I am 20 if you are wondering. I was wondering if its just me, or is the insurance going to cost me around 800 for every 6 months for a first time driver or are the online quotes grossly off?
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04-04-2009 06:02 AM  10 years ago
Cowjock

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Pa.

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Do you have any moving violations? My son is 20 and paying a little over $300/month for insurance. But he bought a 2004 mustang with a V8 in it, not to mention some prior moving violations. I'd figure on more like $1200.00 every six months. Depends on where you live too. Depends on if you buy new or used. Depends on whether you finance it. Find an insurance agent and get a quote, they'll give you an better explanation for your need.

Good luck!
Damn that ground is hard! When's the right time to get out of this money sucking hobby?
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04-04-2009 06:05 AM  10 years ago
zackesch

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Milwaukee, Wisconsin

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I have no tickets, or moving violations. The car will be paid off in full. I am looking for a small four banger, nothing big.
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04-04-2009 06:16 AM  10 years ago
Cowjock

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Smart move having the money to pay for it. The older the car the cheaper the insurance will be for you. I hate to say it but get collision on the car you buy it will save you a bunch of grief and hassle if you get into an accident. Been there done that.Damn that ground is hard! When's the right time to get out of this money sucking hobby?
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04-04-2009 07:17 AM  10 years ago
Rob_T

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Any chance of getting a parent to add you to their policy and have you pay the extra? You'll probably need to add a parent to the registration to be able to do that.

My son is 20, drives a Ford Ranger and has a couple of tickets and 1 at-fault accident. He adds about $550 to our policy (the truck is insured for collision).

My daughter is 17, drives a V6 Taurus and she adds just over $300 to the policy (her car is a beater and not covered for collision).

My guess would be insurance in their own names instead of on my policy would about double the cost. (All the numbers I gave were for 6 months).

By the way, you made some smart choices for a first car.
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04-04-2009 01:55 PM  10 years ago
lugnutz

rrApprentice

trenton,nj

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if you want rediculous insurance rates move to jersey,1600 a year for a new driver isnt bad,my neice is paying 2400 with no tickets or vio's car paid off
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