teenage car insurance?!

[lerner04]

im going to be getting my licence soon and my parents are complaining about how expensive the insurance is going to be,
does anyone know like the top 2 cheapest insurance companies that will insure a 16 year old driver in ny?

[Kobe]

Calgary (Canada) based forums, you won't find to much information here...

[lamp_shade_2000]

Just for a reference this is an Alberta based forum. But best thing to do would be open up the yellow pages and start calling. Some insurance companies will offer discounts based on grades, employers, and if your family has insurance with them. Good luck.

[lamp_shade_2000]

damnit I was beaten to it. But hopefully the rest helps you.:thumbsup:

[lastprodigy]

Look local. Expect to get ass raped though and dont get any tickets!

[shane]

i ve been going through sate farm
andmy insurance is 121$ a month
and when i turn 19 its gonna be cheaper
(apparently)
and thats not bad!
and ive had many tickets insurance still the same

[AllGoNoShow]

Im with shane on this one. $121 for me since i was 16. Might be getting cheaper for me now that I have more drivning courses.


The good thing, State Farm is in the states too ;) we are both on it.

I've tried to find other insurance companies for cheaper and teh closest I've gotten is $138 a month.

[WWJAI]

depends what type of insurance you want..

you have to say whether or not your planning to get full coverage..only personal liability...comprehensive...collision...???

[lerner04]

the least i can get just something to make my car leagal l0l, can u have your own policy with state farm or do u have t be underparents policy?

[AllGoNoShow]

U can have your own I believe but your insurance won't be as cheap for the fact that soem of the brokers aren't taking anyone under 18 unless they are under their parents.

Both me and shane have our own policies but they are listed under the same last names of our parents, for the fact mine have 2 houses, boat, 3 other cars, life and a bunch of other insurance. I get accepted for car insurance :D

[lerner04]

ok thx if anyone else knows some cheap insurance companies just post

[infected]

I'm pretty sure all your rates are nothing compared to mine... :whipped:

[lerner04]

explain....

[jaysas_63]

Originally posted by lerner04
explain....

i'm guessing he had too much fun when he first started driving;)

[lerner04]

l0l yea thats y one of your first investments needs to be a radar detector ive hered about going to radio shack and getting a digital scanner where you enter the frequencies u want to listen in on and then you figure out a way to find out what frequencies the cops use in your area then put them into the scanner and listen but idk how to get the frequencies, any one know?

[nismodrifter]

^that kind of thinking is just going to either get you killed and/or cause your insurance to go up anyways.
Why the hell would you need to listen to the cops?????
If you are so concerned about your insurance costs then speeding will be the last thing on your mind...but from the sound of your post you are actually PLANNING out ways to get around the consequences of speeding...not good. :thumbsdow

[natejj]

Or just dont drive recklessly?

3 years and 0 tickets.

[turbo'dGSR]

Originally posted by natejj
Or just dont drive recklessly?

3 years and 0 tickets.

knock on wood yet?:)

[lerner04]

not to conserned just curious, curiousedy only kills cats not humans ;), but i would just like to know how to do this, not planning anything or ways around the system

[Sorath]

just be a secondary driver

[lerner04]

could some1 clearify what he means?

[FiveFreshFish]

Means you are a secondary driver under your parents' insurance policy. As a secondary driver, you'd only be allowed to drive maybe 10% of the time. At least, that's what the insurance company expects. :devil:

[infected]

It means you have more drivers than cars in your house so your rates will go WAY down.

[lerner04]

o ok na i want my own insurance policy bcuz im going to be buying my own car im not going to be driving there 1989 buick century l0l good car just not my style

[Supa Dexta]

Originally posted by infected
I'm pretty sure all your rates are nothing compared to mine... :whipped:

I'm payin 320/month! and I'm no teenager, fuckin retarded, one small accident in 2001, no tickets.. A girl I know just got quoted over 7k a yr, but she got caught without insurance, then the second time no lisence or insurance.. :rolleyes:

I got a quote in NS for fun to see, pay 3800/yr here and it would only be 2400/yr back east.... ah well, gotta have it...:rolleyes:

[AllGoNoShow]

I wonder.... I have an address out by Red Deer *Sylvan Lake* aparantly I can get cheaper rates if I say my address is from there, being a farmer area or whatever.

[Supa Dexta]

Yeah, only makes sense if you have to watch out for 3 cars an hour compared to 10,000, that your less likely to have a run in....

:)

[Goblin]

Originally posted by infected
I'm pretty sure all your rates are nothing compared to mine... :whipped:

wanna bet?

[infected]

I'm slipping into the 4's category :cry: