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Call all the nobody "never heard of these guys" insurance companies. Be prepared to sit on the phone for a few hours with a phone book and a pen/pad of paper in front of you. Depends more on the car you're insuring than anything else. Make sure the car is used and or not bought with a loan as full coverage is needed on that . people yourr age buy cars with lines of credit to get around that..interest is higher but not as high as the extra insurance is...
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the car is used when we got it in early 2001. and paid for.
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can anyone help me on the 2nd driver thing? is it true or not, any opinions
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Originally Posted by FCPorto_Q10
oo.. alright thanks people.. ill give a few a call and see
i just want to pay something reasonable because just gas alone is a killing its like over 1,000 a year thats messed up! 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.
Originally Posted by FCPorto_Q10
like honestly how can they judge new drivers more of a "high risk" driver if the driver hasnt proved to them anything wrong?
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. |
your right.. thanks for your input.. thing is for maitanence there is no problem lol my dad works at a shop so thats basicaly covered, we can do basicaly everything at home when it comes to car problems. i am complaining about fuel but i can afford that, and i can afford insurance aswell i just want to know if there is anything cheaper. so i can start insurance.. and save a bit of $$. but i guess i have to be 1st driver then. and there is no point is selling the car because i will get NOTHING close to the value of what the car it realy is. the thing is basicaly brand new. just 7 years old.
anyways thanks.. anyone else with opinions or good insurance placaes that they know of please fell free to say something. :thumbsup: |
welcome to the real world.....daddy just gave you a car for free and you are crying that you have to pay 5000 a year for insurance....you know what i got when i was 18....thrown out of the house....my parents did buy me a 1991 Ford Tempo once and i had to pay 3000 a year to insure that tin can so get used to high insurance prices because they will screw you for the rest of your life and if you lie to them and put it as a second driver good luck making a claim with them.....once they find out you lied they will just cancel your policy and then you will have no car or money.....so just bend over and get ready for the big 14 incher....you'll get used to it.
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Originally Posted by alnight
welcome to the real world.....daddy just gave you a car for free and you are crying that you have to pay 5000 a year for insurance....you know what i got when i was 18....thrown out of the house....my parents did buy me a 1991 Ford Tempo once and i had to pay 3000 a year to insure that tin can so get used to high insurance prices because they will screw you for the rest of your life and if you lie to them and put it as a second driver good luck making a claim with them.....once they find out you lied they will just cancel your policy and then you will have no car or money.....so just bend over and get ready for the big 14 incher....you'll get used to it.
yeah so anyways keep those coments, suggestions or w/e you got coming, feel free to share:thumbsup: |
i doubt your gonna get anything cheaper. im 18 now too and i own a pos 92 civic and they want like 3900 a year third party for that :retard: they think im gonna be a street racer with a dying d16.. oh well, thats life. 4900 is pretty good for a '01 acura i'd say. get your G and it'll be cheaper (if you dont already have it)...
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Yea, You have so far received some excellent advice. GLDWNGR has really told you how it is.
As far as reducing your rates. Get older. Get a G license. Get 1-way (liability), and add theft/vandalism as an option (but not collision). This last thing should save you about 700 dollars or more. Get your family to get a quote from TD Meloche Monex, and The Personal if either of your parents graduated from University/College they might be eligible for group discounts. As far as the primary driver thing. GLDWNGR was correct. It would constitute fraud for you to be registered as a secondary driver when their are 3 cars and 3 drivers in the household. In fact, all people living in the household that hold a valid drivers license MUST be insured. If you go to college/University and move out of your parents house, then you may be able to be a secondary driver. This could dramatically reduce your rates. So do good in school! |
okie dokie.. thanks for the advice.. i think im going to go with the 4900$ which i dont mind.. unless i find a better one. its for a year and i will be working all the time so why not.. i dont want to take the bus everyday.. which takes over an hour to get to work.. then another hour to get back thats 2+ hours in the day wasted when by car it takes about 40+ mins back and front. and then i can use the car for other stuff if i wanted to go out.. instead of staying home all day or walking to those places. lol
to me money isnt really the issue.. its just i want to find a lower price thats all.. just to save up a bit.:thumbsup: |
belair direct, i'm a brand new driver, they were the best ,325 a month for my talon, www.kanetix.ca gets u started
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the personal is prety cheap
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you cant be second driver if you have 2 cars and 2 drivers. i was in your shoes a year ago and it sucked balls i had to pay almost 500 a month for 1 way coverage on a 92 civic. a broker will find you a good rate, but it all depends on the things the guys have said up top. in addition make sure you tell them that it is a leasure car and you drive it minimally. if you go to school you can also get a better deal on car insurance. it also depends on where you live, the closer you are to the city the more expensive, so if you have a cottage or something get insurance at that address and it will be 100 times cheaper, you will pay almost nothing for 1 way coverage. good luck on ur search bro
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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. |
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 |
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