Re: Teenage insurance?
 

It's not that the boys are less reckless, but that the girls are more.

Re: Teenage insurance?
 

Aparently guy teenagers have it the worst because they statistacally have more accidents so it will cost more which I personally think is B.S.

Re: Teenage insurance?
 

but thats what insurance is - spreading the misery out over a large group of people, so that no one person has to spend the rest of his life paying millions of dollars

because he blacked out behind the wheel and ran into a microbus full of Nuns carrying boxes of kittens to the disabled children at the outreach center!

At the end of the year the insurance companies add up how much they have paid out in claims, and divide it between their customers, based on their best assestment of the risks each group represents.

They dont pull those numbers out of the air (or anywhere else) - its based on what actually happens on the roadways during the previous year.

If all of a sudden everyone stopped having accidents, insurance rates would plummet!

Re: Teenage insurance?
 

Not just accidents, but car theft too. More then hald of all stolen cars were unlocked. If everyone locked their cars, insurance rates would plummet!

Wetzel

Re: Teenage insurance?
 

3 things popped into my head when I saw this thread:

"Save 15% in just 15 minutes or less"
and
"I just saved a whole bunch of money on my auto insurance by switching to Geico"
and
a 3d gecko

Put it all together and it means that their are way too many "Geico" commercials out there.

Re: Teenage insurance?
 

Update:

Talked to my insurance company and got some quotes. A 1990 F150 would cost me $171 a month to insure, while the Audi would only be $184. This is now sitting in my driveway:





1998 A4 4cyl 1.8T Quattro 5 speed
Sport package (different suspension setup/rims/some other little things)
Cold weather package (heated seats/steering wheel/driver side lock)
Convenience package (Keyless entry, power everything)
Luxury package (leather)

Beauuuuttttifulll car.

Re: Teenage insurance?
 

Awesome! I have my permit now, but when I get my license in April I am hopeful of a car like that!

Re: Teenage insurance?
 

Looks like a winner. Happy driving!

Re: Teenage insurance?
 

Have fun with your car! My insurance is $82 a month for a 1993 Honda Civic.

Re: Teenage insurance?
 

Nice Mike! :)

With the marginal difference in insurance costs you might as well get the vehicle you wanted.

How many miles? I see you got it from a dealer so it sounds like you have a warranty of some sort.


The only thing I'd worry about is see how it is in the snow. Having all wheel drive is one thing but some of the performance tires don't do well in snow. You might have to get different tires or if you like the current tires get a second set of rims and mount other tires for the winter. Before you do anything you'll have to see how it is in the first few storms.


I guess I'll get to see it at one of the meetings coming up. ;)

Re: Teenage insurance?
 

Bah! I'm still suprised it was that much... the truck's is almost $50 more than mine and I drive a '91 S10... but I guess it's because the F150 is bigger... I would have expected the Audi to be more for a 16 year old (age right?).

Re: Teenage insurance?
 

105k miles. Its definitely not low on mileage, but I made sure that the timing belt, control arms, tie rods, and all other parts that like to go on german cars were either replaced or in good condition. The dealer also gave us a 60 day full warranty. As long as you take good care of the car, these engines are good for at least 250k miles.

I have to take it back to the dealer tomorrow for detailing and a new windshield. The current one has a small crack. I'll definitely have it by next weeks meeting :D

I might end up getting a set of snow tires/rims. I was originally going to get some nice rims for the summertime and keep the stock ones for winter, but these are a lot nicer than I originally thought.

Yes, I'm 16.