[tripl3]

so im 18 and i got my licenses half a year ago. i called up the insurance company(AAA) and they said it'll cost $1300 a yr if i wanna get it. i have a car that my parents gave me, but what good is that if i cant drive it. -__-;;. i wanna ask if any of you guys know a insurance company that charges around 500-600? i know that snice im a fairly new driver, the price will be high, but it cant be $1300 high....

[PDURRR]

mine is that high and it's liability insurance tooo Y-Y
mine is like 700ish for half a year
and im the same age >_>
with student discount too >_>

[mistapooh]

You can lower your rates by having good grades, doing defensive driving, and a couple of other things. My friend had his lowered (from state farm? or farmers?) by 15% from recording some stuff after 3 road trips that he made. He filled an app saying that he made it safely, trip took this long, etc. etc....1300 isn't so bad, 100 bucks a month : /? Tough it out!

[tripl3]

damn.... when will my rates start to get lower? cuz if i get insurance, i still have to pay for school/books and gas. ;; and i feel bad if i have to ask my parents for money.

[PDURRR]

it gets lower once you turn 25 or 21 around there
just avoid accidents and stuff
and it'll get better >O<
think of it as an investment hahah...

[~ BunnyliciouS ~]

when i got my license and insurance when i was 20, i only could afford liability

when i turned 21, it dropped alot, and i could afford full coverage, with $250 deductible

when I turned 25, the rate $20 cheaper/ mo.

but then, I got into an accident... and they raised $30/ mo T___T


so yeah, get at least 3.0 GPA, they will give you discounts, I think I got $10/mo discount long time ago from having good grades.
and just don't get into accidents, and get speeding tickets. Will cost you a fortune.

[heysaraa]

An 18-year-old will never have rates as low as 600-700$ a year. Insurance starts lowering after 2-3 years with good behavior, and that's about all you can do. And by the way, $1300 is pretty cheap compared to mine (Los Angeles + Public college parking lot = A lot of coverage). We all have to go through it. It'll be okay!

[j00n]

AAA is the most expensive - try Geico, i've found they have the best insurance for the lowest prices. Or do a comparison check by collecting quotes from all the major companies - you can do this online.

[kuku]

$1300 is dirt cheap... what are you talking about? I'm assuming it is under your parent's name. My GTI under my name would be $3200 a year; but, since it's under my dad's name it's half the price. (We bought the car when I was still 17).

Just get a part time job and you'll make that in no time.

[kelvin6]

Well the reality is that if you want to drive, you gotta pay the insurance. Paying $1300 now isn't so bad, because when it comes time to drop your rates, they consider your record, driving experience, years insured, etc.

$1300 for one year is not bad at all... in fact that is relatively cheap for one way insurance (liability only). Imagine if you had a newer car that you had to get comprehensive and collision coverage on, that would nearly double or even more than that.

What I would say is to get a job and save up monthly like around $120ish, to cover that. Working a part time job, even for one or two days a week should cover that (depending on wages). If you really can't afford that, then you need to ask yourself this question: Can I really afford to drive (factor in insurance, gasoline, maintanance)?

[erure]

Don't complain - I'm paying $1700 a year for my insurance and I'm 19 :I

[kireisnowtenshi]

Yea I think you have it pretty cheap too.

Mine is $100 a month. And Im on my mother's insurance. And she just got a ticket on my brand new car.

Side note: Another way to lower your payment (you probably cant do it since your older) would be to get an ID card when your younger because it makes it seem like you've had your license for a while...go figure.

[x_wonton]

Well the reality is that if you want to drive, you gotta pay the insurance. Paying $1300 now isn't so bad, because when it comes time to drop your rates, they consider your record, driving experience, years insured, etc.

$1300 for one year is not bad at all... in fact that is relatively cheap for one way insurance (liability only). Imagine if you had a newer car that you had to get comprehensive and collision coverage on, that would nearly double or even more than that.

What I would say is to get a job and save up monthly like around $120ish, to cover that. Working a part time job, even for one or two days a week should cover that (depending on wages). If you really can't afford that, then you need to ask yourself this question: Can I really afford to drive (factor in insurance, gasoline, maintanance)?

Yep, I don't see why you are complaining when it's a $1300 a YEAR. Be lucky it's not like a couple hundred a month, considering you are a young and new driver.

[kelvin6]

When I bought my first car I was 19 and my insurance was well over $200 per month. Factors for this was that this is the first time being insured, I'm male, 19, licensed for 1.5 years prior, living in San Francisco, one way coverage, etc.

This was with AAA California Insurance. Obviously I was working hard to pay for that, and cover my other car related expenses...

[thatguy]

$1,300 isnt bad! i just bought an 08 lancer and insurance is 3,200 a year!! i have to pay like $270 a month. it's under my name, i want it under my dads name but my dad has another insurance and he doesnt want me on it cuz he told me they suck. so if i had $1,300 a year, id live happy. supposedly my insurance is suppose to drop a little once it hits september though.

[panda]

1300 a year for a new driver is dirt cheap. i paid 3k.

[ganbatte]

Yeah 1300 is cheap, I am paying over 2k for mine.

[angelboy52]

Yea, that's actually pretty good. Currently I'm at 2700 a year FTL.

[tripl3]

thxs for all of the reponses! and yea, i have it under my dad's name.

what kind of jobs do you guys have? all of you rich ppl! haha. i have a part time job and im only working 15 hrs a wk. its not just the car insurance that i have to pay for. i still have to pay for school/books/, gas, bills and daily expenses. but ill try to gut it out.

[aznjeff07]

mine is like 1700 per 6 months....you don't have such a bad deal....