Originally Posted by gldwngr

$1000 a year for fuel is under $20 of fuel a week. I usually do that and often double that every day.

There's no insurance company that will let your dad be primary driver on TWO cars while you're living in the same house. If there are two cars and two drivers, the assumption is that each car will have its own primary driver.

Owning and driving your own car is expensive business, far more expensive than most people realize.

If you think $1,000 a year is too much for fuel, you need to seriously stand back and think hard on whether you can afford to pay fuel and maintenace AND another $2,000 to $3,000 or more in insurance costs that comes with owning your own car. You may think that car is some sort of symbol of status, freedom and mobility, but the sad truth is that for many, a car in one's early years is just a money pit on the road to potential bankruptcy.

Unless you have no other alternative and absolutely NEED (not just want) a car to get to school or work, your money is better left in the bank. Borrow your parent's car if you can, and make sure they have you as a named driver onm their policy. That way you can go on as a secondary driver at significantly lower rates than what you would pay as a primary on a second car.

Doing it that way has other advantages too. You get to pay lower insuarnce rates while you build up a driving and claims record with your parent's insurance company. Provided you keep your driving record clean of tickets and accidents, you will reap the benefits of cheaper insurance later when you really can afford to buy and own your car later on down the road. Because it's still their car, you'll save on maintenance costs. And because it's still their car and you have to borrow it when they're not using it, the amount of driving you do will necessarily be limited, which translates into more money saved because you won't be able to just aimlessly cruise around any time you want.

Unless you absolutely NEED a car, be smart and just sell it. Borrow your parent's car, walk, bike, use transit. You might not be able to enjoy the same "cool you own a car" status among your friends, but you also won't have to worry about them finding out just how penniless you will later become as a result of owning that car.



Because AS A GROUP, young males in their first 5 years of driving have a 4 times higher crash rate than other drivers. Not only that, but those crashes also tend to be far more severe involving much higher injury and fatality rates than is the case with other drivers.

The best predictor of future behaviour is past behaviour. Your group behaviour can be predicted by looking at the groups of new drivers who came before you.

Originally Posted by Bookm

When I was a teen, my desire to work hard and earn big bucks was driven by my unquestionable need to have my own wheels. A healthy focus on car ownership makes for a great work ethic! What ever the costs, pay it. It just leaves less cash for stupid stuff like meth.

The expense of car ownership CAN create a strong work ethic. I worked every night after school, and most weekends (at two partime jobs) so I could independantly own the toys I had when I was 16. Just don't even think about dope, smokes, and fancy restaurant food, and a good hardworking kid can easily join that elite group of teenage car-owners. It's a healthy, constructive endeaver and is far more appealing to girls than laying around playing video games all day. It shows that you've got your sh*t together, and know which way to turn a wrench.

http://photos1.blogger.com/blogger/7...20/seanmc1.jpg
Book

Originally Posted by RudeAvenger

straight up and serious the best is cibc, fresh up driver a few years back even since i had a bank accoiunt wit them never had to dish out the double payment straight up front. beware u miss a payment u could loose ur account and nevr happend yet but still anythins possible. i had a small error and was joansin on the phone wit the broker for an hour had a small missed payment for nsf or some costed me a 35 charge straight up. i told the broker they had no right just takin money from my accoutn without my permisson. but she said they can. but stright up cibc is good.

Originally Posted by MrStokic

just change your adress on your license to a family members or somewhere other than ur house that way the insurance company thinks you do not live at home. and get your dad to be insured and drive under his name. if you get into an accident and are accountablle you are fully covered but it will be a claim on your dads insurance. also you do not build up a record which in the long run will hurt you.

Originally Posted by MrStokic

just change your adress on your license to a family members or somewhere other than ur house that way the insurance company thinks you do not live at home. and get your dad to be insured and drive under his name. if you get into an accident and are accountablle you are fully covered but it will be a claim on your dads insurance. also you do not build up a record which in the long run will hurt you.

Originally Posted by RudeAvenger

theres little to no chance yo. thats worst case drive proper and dont make claims most brothers here dont have collision only liable guy. u aint gettin badged, thousands of ppl misrepresentin i know a few bunksters that do. stright up personally dont need to but some ppl jus cant handle the payment. theres 100 excues you could use to the agent.

Originally Posted by Pro$p3ct

Is it just me or did you contradict urself there?:confused: You blatantly stated that no insurance company will let his dad be a primary driver on both cars and him a secondary driver, yet toward the end of ur post u were telling him to go as a secondary on his parent's insurance. Did you not read the part where he said it's just him and his dad in the house? no disrespect though, just wondering

Originally Posted by gldwngr

I suggested he give up on owning or having his own car for now. I'm suggesting that he use his parent's car when it is available. That way it's only his father's car being insured, and if that is the case, he can be a secondary driver on his father's car. Doing so is a lot cheaper than him trying to insure his own car with him as primary driver.

Originally Posted by Pro$p3ct

You're not paying attention. Both cars are already his father's. However, he cannot be second driver on any of them because there are only 2 drivers in the house. Therefore, his dad is transferring one of the cars into his name, as thats his only option.

Originally Posted by gldwngr

Your post is only half right in that he can't be a second driver on any of the cars, but that part is true only if both cars are licensed and insured for the road.

Both cars can still be in his father's name, but that does not mean his father has to have both cars insured and licensed for the road. If only one car is licensed and insured, junior can be a secondary.

Even if both cars are licensed and insured, his father does NOT have to transfer ownership of one car into junior's name. Naming junior as primary driver on one of the cars is enough. You can be designated primary driver of a car without actually being the owner of record for that car.