Insurance? - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

BleuBird · 05-11-2015, 12:32 AM

The big decision maker is how much my car is gonna cost to insure. Could anyone give me a ballpark idea on how much it would cost a 16 year old male?

Anything helps!

Speed2th · 05-11-2015, 12:40 AM

It varies from location and I don't think we have much of 16 years old owners here. You should contact insurance directly to get quotes, unless you don't even have driver license yet

BleuBird · 05-11-2015, 12:41 AM

I don't have a license yet

cdrazic93 · 05-11-2015, 04:03 AM

a lot.

Tcoat · 05-11-2015, 09:25 AM

Many, many things factor into insurance and what others pay is totally meaningless.
The only thing you can do is call around and get quotes but the simple fact that you have no license means that you can't even do that (one of the rate factors is driving history).

mn_ca · 05-11-2015, 11:58 AM

CALL AND GET A QUOTE!...everyone is different and it varies from town to town.

Tcoat · 05-11-2015, 12:03 PM

Quote:

Originally Posted by mn_ca

CALL AND GET A QUOTE!...everyone is different and it varies from town to town.

And street to street in those towns.

MokSpeed · 05-11-2015, 12:06 PM

Wow this is only the 124018240124081208421st thread regarding insurance rates to pop up in the past couple of weeks.

Call and get a quote. It takes like 10 minutes.

computeruser · 05-11-2015, 12:19 PM

Depends on a lot of factors. Geographic location and coverage limits will certainly play into it a lot, but age and lack of an established safe driving history will be a huge consideration. Make some phone calls, or better yet, have your parents do it - you might be able to join on to their policy at a more tolerable price, especially if they have other coverage through the same insurer already - home, liability, professional malpractice, other vehicles, etc. Until you have those numbers in front of you, it's just speculation.

My wife was the victim in a really bad car accident a few years back - other driver crossed the yellow line at high speed and very nearly killed her as she drove along, minding her own business - so I'm a huge fan of super-comprehensive auto insurance because it literally saved her life. You would be amazed how much rehabilitation/recuperation care health insurance won't cover, even first-rate health coverage; health insurance will keep you from dying, but it won't get you back to 100% so you can get back to living your life as you did pre-accident. So trimming your insurance bills by skipping out on health excess coverage and things of that sort is false economy in the truest sense of the term. But there comes a point of diminishing returns and paying $400+ per month to insure you at age 16 (likely with mediocre coverage), versus $100/month for me at 36 (with $1m in liability, injury, un/under-insured, Michigan's lifetime accident-related medical coverage, etc.), just doesn't make sound economic sense.

The truth is that there's a lot of other stuff you (or your parents) could be doing with that $400+ per month, or at least the excess portion you have to pay to drive a new or nearly-new Twin at 16 years of age. I say this not to be a downer, but to be a realist. These cars are nifty and fun, no question, but are they so much fun as to justify $400+ per month in insurance cost? No, absolutely not.

Anyway, definitely update us on what you decide and how the insurance coverage and costs end up shaking out. It wasn't so long ago that I was your age, driving an AMC Eagle in the wintertime and an MG Midget the rest of the year, and I'd be interested to see what they quote you and what level of coverage comes with that quote.

Tcoat · 05-11-2015, 12:21 PM

Quote:

Originally Posted by MokSpeed

Wow this is only the 124018240124081208421st thread regarding insurance rates to pop up in the past couple of weeks.

Call and get a quote. It takes like 10 minutes.

Probably the second most common theme after "I have this weird noise coming from...".
Also just as unanswerable but people will anyway.

mn_ca · 05-11-2015, 12:28 PM

Quote:

Originally Posted by Tcoat

And street to street in those towns.

and credit scores, blah, blah blah, blah...soooo many damn factors haha

babydriver · 05-11-2015, 12:34 PM

Quote:

Originally Posted by Tcoat

Probably the second most common theme after "I have this weird noise coming from...".
Also just as unanswerable but people will anyway.

NO, NO, it's THIRD!! (1) Crickets. (2) Strange noises (of which crickets is a subset) and (3) Insurance.

Tcoat · 05-11-2015, 12:37 PM

Quote:

Originally Posted by babydriver

NO, NO, it's THIRD!! (1) Crickets. (2) Strange noises (of which crickets is a subset) and (3) Insurance.

Ya, I just sort of assumed crickets would be lumped into the noises category.
Some day when really bored I am gonna sit down and figure out the top 20 repeated themes.

babydriver · 05-11-2015, 12:38 PM

BleuBird,

Keep in mind that whatever outrageous amount of money they will charge you when you're 16, it will go UP again when you turn 18. That is because males from 18-25 are the single highest risk group there is, and deservedly so.

I am excluding anyone who is a member of this forum, of course.

05-11-2015, 12:32 AM	#1
BleuBird Junior Member Join Date: May 2015 Drives: future car Location: OK Posts: 3 Thanks: 0 Thanked 0 Times in 0 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Insurance? The big decision maker is how much my car is gonna cost to insure. Could anyone give me a ballpark idea on how much it would cost a 16 year old male? Anything helps!

05-11-2015, 04:03 AM	#4
cdrazic93 Junior Join Date: Aug 2013 Drives: a car Location: Probably at school Posts: 4,341 Thanks: 3,184 Thanked 2,512 Times in 1,502 Posts Mentioned: 20 Post(s) Tagged: 0 Thread(s)	a lot. __________________ "Ah! What music! They could have never imagined, those pioneers who invented the automobile, that it would posses us like this, our imaginations, our dreams. Men love women, but even more than that, men love CARS!"-Lord Hesketh

05-11-2015, 09:25 AM	#5
Tcoat Senior Member Join Date: Jul 2014 Drives: 2020 Hakone Location: London, Ont Posts: 69,841 Thanks: 61,656 Thanked 108,295 Times in 46,456 Posts Mentioned: 2499 Post(s) Tagged: 50 Thread(s)	Many, many things factor into insurance and what others pay is totally meaningless. The only thing you can do is call around and get quotes but the simple fact that you have no license means that you can't even do that (one of the rate factors is driving history). __________________ Racecar spelled backwards is Racecar, because Racecar.

05-11-2015, 12:38 PM	#14
babydriver Hit the road and I'm gone Join Date: Oct 2014 Drives: 2015 FR-S Burnt Orange (Hot Lava) Location: Austin, TX Posts: 1,844 Thanks: 733 Thanked 1,786 Times in 973 Posts Mentioned: 10 Post(s) Tagged: 2 Thread(s)	BleuBird, Keep in mind that whatever outrageous amount of money they will charge you when you're 16, it will go UP again when you turn 18. That is because males from 18-25 are the single highest risk group there is, and deservedly so. I am excluding anyone who is a member of this forum, of course. __________________ Slip, slidin' away.

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05-11-2015, 12:41 AM	#3
BleuBird Junior Member Join Date: May 2015 Drives: future car Location: OK Posts: 3 Thanks: 0 Thanked 0 Times in 0 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	I don't have a license yet

05-11-2015, 11:58 AM	#6
mn_ca Senior Member Join Date: Nov 2011 Drives: 2013 frs, 2005 is300 Location: Winter Wonderland Posts: 145 Thanks: 286 Thanked 70 Times in 53 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	CALL AND GET A QUOTE!...everyone is different and it varies from town to town.

05-11-2015, 12:06 PM	#8
MokSpeed Granny Shifter Join Date: Apr 2014 Drives: 2014 FR-S Location: United States Posts: 2,094 Thanks: 539 Thanked 1,289 Times in 711 Posts Mentioned: 24 Post(s) Tagged: 0 Thread(s)	Wow this is only the 124018240124081208421st thread regarding insurance rates to pop up in the past couple of weeks. Call and get a quote. It takes like 10 minutes.

05-11-2015, 12:19 PM	#9
computeruser Member Join Date: Apr 2015 Drives: 2015 BRZ Location: East Lansing MI Posts: 75 Thanks: 16 Thanked 53 Times in 28 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	Depends on a lot of factors. Geographic location and coverage limits will certainly play into it a lot, but age and lack of an established safe driving history will be a huge consideration. Make some phone calls, or better yet, have your parents do it - you might be able to join on to their policy at a more tolerable price, especially if they have other coverage through the same insurer already - home, liability, professional malpractice, other vehicles, etc. Until you have those numbers in front of you, it's just speculation. My wife was the victim in a really bad car accident a few years back - other driver crossed the yellow line at high speed and very nearly killed her as she drove along, minding her own business - so I'm a huge fan of super-comprehensive auto insurance because it literally saved her life. You would be amazed how much rehabilitation/recuperation care health insurance won't cover, even first-rate health coverage; health insurance will keep you from dying, but it won't get you back to 100% so you can get back to living your life as you did pre-accident. So trimming your insurance bills by skipping out on health excess coverage and things of that sort is false economy in the truest sense of the term. But there comes a point of diminishing returns and paying $400+ per month to insure you at age 16 (likely with mediocre coverage), versus $100/month for me at 36 (with $1m in liability, injury, un/under-insured, Michigan's lifetime accident-related medical coverage, etc.), just doesn't make sound economic sense. The truth is that there's a lot of other stuff you (or your parents) could be doing with that $400+ per month, or at least the excess portion you have to pay to drive a new or nearly-new Twin at 16 years of age. I say this not to be a downer, but to be a realist. These cars are nifty and fun, no question, but are they so much fun as to justify $400+ per month in insurance cost? No, absolutely not. Anyway, definitely update us on what you decide and how the insurance coverage and costs end up shaking out. It wasn't so long ago that I was your age, driving an AMC Eagle in the wintertime and an MG Midget the rest of the year, and I'd be interested to see what they quote you and what level of coverage comes with that quote.

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