Scion FRS insurance

[VoltsFRS2013]

I'm sure you guys have seen many insurance questions, and I apologize if this is the most ignorant one you've had to answer --

I'm 17 trying to figure out how much my insurance will be for my FRS when i start driving it and purchase one soon (I'm going to be paying for it).

I haven't had the opportunity to sit down with my parents and figure out the prices being put on their insurance plans but when I go online and try to do a quote by myself being an undergrad policy holder my rates are insaneeee. Will being on a plan with my parents as a child driver with good grades change that? Being the child and going online trying to set up the scenario myself is pretty hard

[Italocardoso83]

Insurance can differ for all types of reasons. Especially that you're young, the insurance will be highly than usual. Also take into consideration what color you get. Different colors can also create higher insurance a month. Also, it depends on how much protection you want on your vehicle. I suggest you discuss this with your parents because all insurance payments differ.

[VoltsFRS2013]

Originally Posted by Italocardoso83

Insurance can differ for all types of reasons. Especially that you're young, the insurance will be highly than usual. Also take into consideration what color you get. Different colors can also create higher insurance a month. Also, it depends on how much protection you want on your vehicle. I suggest you discuss this with your parents because all insurance payments differ.

Will do. I plan on going for a Silver, White, or Black. I'm assuming Black and Red will be the killers though.

[Italocardoso83]

Yea I'm pretty sure red is the highest, don't quote me on that. I just remember hearing that around! Anyways good luck getting your frs and joining the community !

[PandaSPUR]

I got my license when I was 22 and started driving when I got this car at 23. Insurance was $380-420 a month from Progressive. Turned 25 recently, switched to Esurance and now I'm down to $220. Still sucks but not as insane.

No matter what car, color, or deductible you choose, your rates will suck at that age. Insurance companies are more worried about your inexperience causing property or bodily damage to the other party.

I don't remember even being asked about car color when doing online quotes. I also compared quotes for this car, Jeep Wrangler, Audi TT, and Toyota Camry; guess what, the premium was all around the same.

Being put on your parent's insurance will raise their premium but should still be cheaper than two separate policies. Ask them for their insurance info, log into their insurance account online and run a policy change quote for adding a new car and driver.

[VoltsFRS2013]

Originally Posted by PandaSPUR

I got my license when I was 22 and started driving when I got this car at 23. Insurance was $380-420 a month from Progressive. Turned 25 recently, switched to Esurance and now I'm down to $220. Still sucks but not as insane.

No matter what car, color, or deductible you choose, your rates will suck at that age. Insurance companies are more worried about your inexperience causing property or bodily damage to the other party.

I don't remember even being asked about car color when doing online quotes. I also compared quotes for this car, Jeep Wrangler, Audi TT, and Toyota Camry; guess what, the premium was all around the same.

Being put on your parent's insurance will raise their premium but should still be cheaper than two separate policies. Ask them for their insurance info, log into their insurance account online and run a policy change quote for adding a new car and driver.

for sure, good information. My dads going to call and explain the situation to his insurance company (I believe Geico) and I just hope everything works well. Extremely nervous.

[humfrz]

Originally Posted by VoltsFRS2013

for sure, good information. My dads going to call and explain the situation to his insurance company (I believe Geico) and I just hope everything works well. Extremely nervous.

Good plan. Let your parents find out what it would cost to add your car to their plan. Then, if you can, want to, you could make up the difference in insurance costs.


humfrz

[strat61caster]

[FR-Sky]

Originally Posted by Italocardoso83

Insurance can differ for all types of reasons. Especially that you're young, the insurance will be highly than usual. Also take into consideration what color you get. Different colors can also create higher insurance a month. Also, it depends on how much protection you want on your vehicle. I suggest you discuss this with your parents because all insurance payments differ.

Colors doesn't effect anything on the insurance btw.

[flyboy]

Geico gave me a rate of $110 with comprehensive and collision and state min. While progressive gave me $90. (Both with $500 deductible). But this is for a used 2013. The Geico rate for a new BRZ was about $130 in my case. Compared to $180 for the WRX limited.

You might get a lower rate if you buy a used car though. Depends on if the car is used or not and whether you get comprehensive and collision or not. Or jst go for state min. Color shouldn't make a difference. It does if you are in Singapore!! But I don't think in US it makes a difference.

Being on your parents insurance might help. Credit scores can make a difference. If you buy th car right out might be a different story, then you can save a lot.

[Tcoat]

Originally Posted by Italocardoso83

Insurance can differ for all types of reasons. Especially that you're young, the insurance will be highly than usual. Also take into consideration what color you get. Different colors can also create higher insurance a month. Also, it depends on how much protection you want on your vehicle. I suggest you discuss this with your parents because all insurance payments differ.

Colour does not mean a thing for insurance that is an old myth.
Insurance is determined by:
Age
Sex
History
Location
Coverage
Year, make model of car.

Oh and before I hear 100 "but my xxxx cost more because it is red":
https://www.esurance.com/info/car/my...more-to-insure

[Tcoat]

HOOORAY it is another insurance rate **** measuring contest thread.
OP Needs to contact his insurance company (and parents). The costs that 1,000 people will now list are worse than meaningless since they can be deceiving.

[Joyride86]

There are too many variables to effectively estimate a cost for you. You can add in the insurance plan (deductibles, coverage, multipolicy, etc.) that would change things in addition to what @Tcoat mentioned. One thing I can be certain is that, it'll be pretty expensive for a new driver. It takes time for the rates to come down if you are a safe and responsible driver.

When you do buy this car, I hope you enjoy it. It's a blast to drive.

[Tcoat]

Originally Posted by Joyride86

There are too many variables to effectively estimate a cost for you. You can add in the insurance plan (deductibles, coverage, multipolicy, etc.) that would change things in addition to what @Tcoat mentioned. One thing I can be certain is that, it'll be pretty expensive for a new driver. It takes time for the rates to come down if you are a safe and responsible driver.

When you do buy this car, I hope you enjoy it. It's a blast to drive.

I get people being curious what others pay from a pruely interest sake but to try to figure out what you will pay by what others do is assinine.


I have had my own rates change signifgantly just by moving a block away so how can I compare to sombody else?