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Insurance for a 16 year old?

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Old 02-03-2006, 04:39 PM
  #61  
showstoppertk
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after puberty...jk
Old 02-03-2006, 07:17 PM
  #62  
maya350
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Default hell no

Originally Posted by Hraesvelg
Damn Maya, are you a sales person?
hell noh hra, im a tech person at sec. div. of an i.t. company.what bout you?
Old 02-04-2006, 10:12 AM
  #63  
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Originally Posted by chimmike
i disagree. no TCS+learning driver=spinouts=crash.
Don't be silly. TCS is not at all necessary on the base model because it's a ONE WHEEL WONDER. That's right, as everyone knows the base model has an open end differential. Spinouts in the base model are almost unheard of. LSD equipped models NEED TCS because it can be UNSAFE. You will see the relatively big difference in insurance rates if you care to take the time and look. If the base was more dangerous it would be reflected in insurance rates. Unfortunately for your disagreement the exact opposite is true.

The base model is the ONLY model with significantly cheaper rates, and this is a direct result of not having a LSD(and not needing TCS).

Average annual insurance rates:
Base $1,780.00
Enthusiast $2,047.00
Touring $2,047.00
Performance $2,047.00
Track $2,047.00
Touring coupe manual $2,047.00

Thank you, come again!

Last edited by roast; 02-04-2006 at 10:18 AM.
Old 02-04-2006, 10:24 AM
  #64  
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Originally Posted by roast
Don't be silly. TCS is not at all necessary on the base model because it's a ONE WHEEL WONDER. That's right, as everyone knows the base model has an open end differential. Spinouts in the base model are almost unheard of. LSD equipped models NEED TCS because it can be UNSAFE. You will see the relatively big difference in insurance rates if you care to take the time and look. If the base was more dangerous it would be reflected in insurance rates. Unfortunately for your disagreement the exact opposite is true.

The base model is the ONLY model with significantly cheaper rates, and this is a direct result of not having a LSD(and not needing TCS).

Average annual insurance rates:
Base $1,780.00
Enthusiast $2,047.00
Touring $2,047.00
Performance $2,047.00
Track $2,047.00
Touring coupe manual $2,047.00

Thank you, come again!
I may be wrong, but isnt the reason the base has close to 250$ avg rate less for insurance due to the fact that the base cost around 26,000$ and the touring for example is around 34,000$. I thought that the cost of the vehicle had a significant effect on your avg insurance rate. Insurance gurus chime in please. BEN
Old 02-04-2006, 10:27 AM
  #65  
roast
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I may be wrong, but isnt the reason the base has close to 250$ avg rate less for insurance due to the fact that the base cost around 26,000$ and the touring for example is around 34,000$. I thought that the cost of the vehicle had a significant effect on your avg insurance rate. Insurance gurus chime in please. BEN
Use your same logic and then apply it to all the models except the base.
Old 02-04-2006, 10:33 AM
  #66  
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Originally Posted by roast
Use your same logic and then apply it to all the models except the base.
Well whats the retail of the enthusiast? Maybe there is like a price zone. say 30k$ and up are in one catagory and under 30K$ are a lower bracket or something, hence the base would be the only one in the lower insurance bracket? I find it hard to beleive a LSD would put a car in a different insurance bracket. That would be as bad as the rumor that a red car of the same make would be a higher insurance cost. I told that to my insurance company and the guy laughed. BEN
Old 02-04-2006, 10:34 AM
  #67  
Jcolman
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Originally Posted by roast

Average annual insurance rates:
Base $1,780.00
Enthusiast $2,047.00
Touring $2,047.00
Performance $2,047.00
Track $2,047.00
Touring coupe manual $2,047.00
Are these rates a national average? I pay about $700 a year for coverage on my 03' touring 6mt. Then again, I also have my home and three other vehicles on my policy....oh and I am a wee bit older than most of you.
Old 02-04-2006, 10:37 AM
  #68  
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I find it hard to beleive a LSD would put a car in a different insurance bracket. That would be as bad as the rumor that a red car of the same make would be a higher insurance cost.
HARDLY!!! A mechanical difference is a HUGE difference in comparison to a color difference. If you are well educated on the differences in differentials you would know that open eneded is MUCH safer by design. It's also slower around a race track.
Old 02-04-2006, 07:16 PM
  #69  
maddog8024
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Insurance is expensive, It will be substantially less if it is a woman at the age of $16, I just turned 21 driving a 350Z, I have every possible discount that I can get, The big one for me is good student, %25, and advanced defensive driving %15, Just make sure your kid get’s good grades and definitely would recommend the defensive driving course, if your state offers such a thing, If you can get your kid listed as what’s called a secondary driver you being the primary driver, well you cold be looking at around $150 a month or less. I was a listed as a secondary driver on my car when I was 16 and it saved me a boat load. Get to know your insurance rep and talk to them face to face, maybe they will help you out.
Old 11-15-2016, 05:28 PM
  #70  
Legacy406
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So what did you end up paying?
Old 11-15-2016, 07:25 PM
  #71  
rearranged
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Originally Posted by Legacy406
So what did you end up paying?
10 years later you ask this?
Old 11-15-2016, 08:10 PM
  #72  
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It's still relevant.
Old 11-16-2016, 10:12 AM
  #73  
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Originally Posted by Legacy406
It's still relevant.
It wasn't even a relevant question back then. Less so now.
Old 11-16-2016, 10:42 AM
  #74  
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I think this is extremely relevant, especially in light of recent events. Thanks for bringing this to our attention again.
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Legacy406 (11-16-2016)
Old 11-16-2016, 08:53 PM
  #75  
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Its Dugan season so we would like to know pls
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