20 year old, question about insurance.

[Febul]

I'm twenty years old, and I've been under my parents insurance for about two years. I would like to purchase an FR-S by the end of the year and have been wondering about how much insurance would cost me.

I haven't gotten any traffic tickets and I haven't been in any accidents.

What's the least that I'd be able to get away with paying for insurance?

[KGFRS86]

What I would do if I were you, is find a VIN number for a new or used FR-S (depending on what you want) and then get a quote from your insurance provider. That's what I did.

Like this one: http://www.scionofmanhattan.com/new-...0D1721141.aspx
JF1ZNAA10D1721141

Or these: http://www.prestigescion-ny.com/sear...spx?model=FR-S

I don't think transmission will affect your rate, so that's what I would do. That will give you a solid number.

[SpectreRT]

Hey there.

Insurance depends on many things. Your driving record, your family insurance policy, your grades (if in college), the state, etc. Only an insurance company can really give you the details you need.

Insurance will be quite a lot, not going to lie to you (expect something around $150+ a month). Your best strategy (assuming you are on your family insurance policy) is to be the primary driver on an older car, and secondary driver on the FR-S/BRZ/86. This will give you significant savings.

Hope I was able to shed some details. Good luck.

[Dsmith1992]

i am 21 with no tickets as well and for me through progressive it was roughly 1200 every six months, but if i did it as a rider under another policy it would be only $400!!! so that is what i did, i mean an extra 1600 a year for me, ill take it

[SpectreRT]

Also what KyleGato said. Great idea.

Originally Posted by KyleGato

What I would do if I were you, is find a VIN number for a new or used FR-S (depending on what you want) and then get a quote from your insurance provider. That's what I did.

Like this one: http://www.scionofmanhattan.com/new-...0D1721141.aspx
JF1ZNAA10D1721141

Or these: http://www.prestigescion-ny.com/sear...spx?model=FR-S

I don't think transmission will affect your rate, so that's what I would do. That will give you a solid number.

[pmdc]

Originally Posted by SpectreRT

Hey there.

Insurance depends on many things. Your driving record, your family insurance policy, your grades (if in college), the state, etc. Only an insurance company can really give you the details you need.

Insurance will be quite a lot, not going to lie to you (expect something around $150+ a month). Your best strategy (assuming you are on your family insurance policy) is to be the primary driver on an older car, and secondary driver on the BRZ. This will give you significant savings.

Hope I was able to shed some details. Good luck.

They look at your grades in the US? WTF lol. 150+ sounds really really high... is it that much for you guys? I have 2 cars insured with me as the primary (and only) driver, including my FRS, and it's $118/month. Some speeding tickets on there too.

[SpectreRT]

Yes, its called "Good Student Discount" or "Academic Award."

I saved 20% off my insurance in college because of it. :happy0180:

And yes, insurance for a male under 25 is crazy expensive. The poster above mentioned ~$1,200 every 6 months. Not the first time I've heard a number like that for someone under 25.

[BushMan]

I am in the same boat. The cheapest I've found are Geico @ $96 a month and AllState @ 131 a month. Both are full coverage. I'll probably go with Geico.

I'm 23 Y/O, no at fault accidents, no tickets, good student.

[OrangeJuleas]

It depends.

When did you get your license? Are you a full time student? Do you work full time? How many miles do you plan on driving yearly (make sure to take your commute, whatever it is, into consideration)?

I am 27, and full coverage is going to cost me about $600 a year (not bad). I've never been in an accident, have had no tickets in the last 10 years, and have been driving since 16. I also had a good student discount (LoJack is a joke, saves you $1 per month - you do that for personal reasons). Even then, my insurance went up about $100 from my previous car, a Mazda 3 hatchback.

Insurance will be expensive for a 20yo, even without accidents and tickets. Depending on your agency and your luck, you could see anywhere from $700 - $1,400 a year. I agree with @KyleGato, and props to you for doing your research!

[mav1178]

What you need to do is stop asking internet forums for insurance advice and just start calling insurance companies. Insurance varies greatly based on a huge number of factors, the first one starting with where you live.

Buying insurance isn't like buying a car... the sell price is not "fixed", it's based on risk.

-alex

[whaap]

Insurance rates aren't just different between states, they will be different between two adjoining counties or even two different zip codes. The best you can do is shop in your area and use those numbers to make a decision.

[strat61caster]

Could be less than $100 a month, could be $400+, like whaap said, it varies even down to the zip code, one big statistical spreadsheet to maximize profit.

[mav1178]

Originally Posted by strat61caster

...it varies even down to the zip code, one big statistical spreadsheet to maximize profit.

That's not true.

Insurance (of any kind) is summed up by one word: risk.

Where you live has a huge impact on your rates, because your area determines your risk.

Case in point: California would have low rates for flood insurance. But earthquake insurance? The premiums are (fairly) high.

Go to the south, and you have the opposite.

To a lesser extent, the amount of accidents/claims/fraud in your area also impact your rates in the long run. Rates in Detroit Metro are much higher than Mt. Pleasant, MI, for example, even though the two are not far from each other.

-alex

[kodyo]

Mid twenty y/o, 2 tickets 4 years ago, $1500 every 6 months. Expect it to be high, that's all I'm saying.