Questions and Answers
Your Questions About New Driver Car Insurance Cost
What happens if you don’t get car insurance?
I wrote a similar question and got jack-ass answers, if you feel the need to do that, don’t answer at all.
Whats happens if I don’t get car insurance?
I have a speeding ticket on my license, I’m about to go to court for another speeding ticket (19 over) and a reckless driving ticket (for burning tires). I am 18, with a Nissan 300zx (2 seater sports car)
I was thinking, what if I don’t renew my insurance? Will I just get a $200 ticket when I get pulled over for it? $200 ticket >>> $300 a month for insurance
I personally think the insurance system is very faulty since insurance companies are making lots of money. If it was a service where the profits went to roads and such, I wouldn’t mind a bit.
What is the penalty for not having insurance, costs/tickets/fines?
No smartass comments please, just asking a question, I highly doubt I will drop insurance, as I pay it every 6 months anyways. Just wondering
If you don’t get insurance, and you are pulled over for any reason, you will be cited. If you hit someone and it is your fault, you will be liable for the damages to their car, and any injury to the person, and since you don’t have insurance you will be required to pay it. If you can’t pay it, there’s a good chance you will be sued by the other driver’s insurance company, as well as potentially being in line for a civil suit. If your own car is damaged, you will have to pay for that as well. If you rack up enough points through all of this (and it sounds like you already have at least some), you will lose your license. Unless you’re independently wealthy and can afford to pay all this out of your own pocket, I’d say insurance is a good investment.
Lastly – when I was 18, I was in a serious accident that was caused by the other driver (she ran a stop sign); I was lucky enough to receive only very minor injuries, but it could just as easily have killed me. Please do yourself and everybody else on the road a favor, and drive responsibly. Now that you’re 18, if you hurt someone on the road, you can also be criminally liable, and could end up in jail for a very long time, in addition to taking away someone’s life and livelihood. Think about what would happen if you hit someone tomorrow, and ended up in jail for 30 years. You’d be (at least) 48 or 50 before you got out – a definite waste of a life. Could you live with the knowledge that you killed a mother, or a father, or a child?
The choice is yours. Good luck.
What is the best car for a 17 year old?
Okay so I’m turning 17 at the end of October and should be starting my driving lessons shortly after. I’m just thinking about what car I’d buy when I hopefully can drive.
What’s the best type of car to get for low insurance, costs etc.
Insurance will be the killer. At 17, it is not beyond the realms of possibility that your annual insurance premium will be more than the value of the car itself.
What you need to be looking for are cars in insurance group 1. Cars in group 1 are generally the cheapest to insure. Cheapest being a relative term.
This is what came up first when I searched group 1, it gives a list of some common cars you could consider.
how much does car insurance cost for a 16 year old?
I drive a 98 Toyota Avalon, I heard ur grades affect the rates but I’m not a straight A student, I don’t really do really well in school so you don’t wanna know my grades. But how much would my parents have to pay for my insurance? We live in California
Btw. My mom’s insured with the same car. She had this car when it first came out which was in 1998.
People are being very over dramatic. If you are a male then it will be higher. The report card, honestly, does not give you much off your insurance. Maybe $20 off a month at the most. So don’t worry to much about not getting a discount on insurance because of your grades. Also your insurace wont be threw the roof if your driving a older car. Newer cars, especially a new male driver with a sports car, is going to have much higher rates. I am a 18 yr old female, so I can’t completely compare and I don’t pay for my insurace but I’m pretty sure it’s around $110 to $120 and month. I believe insurance for you (if male) will be around $125 to $130 at the very most a month. Your rates will not be threw the roof, but because you are a young driver they will always be high. Also shop around with inusurance companys and see if which will give you the best rates.
Hope this helped!
How high would car insurance rates become if a 16 yr old drives a car?
My mom won’t let me get my G1 because she says her insurance rates will get too high. I asked her how high and she says she doesn’t even know.
I live in Ontario.
You’re right, she doesn’t know. I did auto insurance in Ontario for 15 years and even I don’t know. But I know this, so I’ll help you as best I can.
G1 drivers usually don’t cost anything, because a G1 isn’t really a full licence. It is, but it’s still not. It’s basically a learner’s permit and whoever is sitting beside you is almost completely responsible for whatever you do behind the wheel. That’s why it doesn’t cost anything to add a G1 driver to a policy at any age.
When you get your G2, it’s a whole different story. Now you can drive alone and stuff, so now it starts costing money. You’d probably by on the policy as an occasional driver, which is expensive but still a whole lot cheaper than being a principal (main) driver of a vehicle. 16 year old principal drivers pay insurance rates somewhere between insanity and financial sodomy, because the odds are about 60% that they’ll be involved in an accident before the year is finished.
What you can do is this. Call up Mom’s agent / broker (with her permission of course) and ask them what it would cost. They’ll tell you, no problem. Make sure you mention that you don’t have your G1 yet, and you’re just looking for some information in advance. Knowing that stuff in advance is always a good thing, believe me. In war (because driving in Ontario is kind of like combat), the general who learned the most in advance is the one who celebrates the victory.
Also, you’ll definitely want some professional driver training for sure. That not only cuts down the insurance premiums, it severely increases your chance of not getting killed in an accident. The best in the business is Young Drivers, and you know this because every other driving school tells you they’re as good as them. Nobody ever says they’re as good as Sears or Crazy Eddie’s School Of Motoring, they all say they’re as good as Young Drivers. There’s a reason they all pretend to be that good.
How much would insurance cost for a 2002 Mitsubishi Eclipse?
I’m 17 years old with a clean driving record. All the insurance websites won’t give you quotes until your 18, and i’m just curious how much monthly insurance would be because i’m paying for it.
A lot depends upon several factors of which I’ve listed below. So, you’ll just have to make some applications to see what they will offer you.
Where you live vs where you work
Education level & grades
Type & age of car you drive
Safety features on the car you drive
Credit score & history
Gaps in insurance coverage
Lapses in insurance due to non-payment of premiums
Driver education classes
Add-ons to your coverage
Multiple policy (car + home)
Miles driven per year
Car alarm (comprehensive rates)
Where you park your car (street vs garage (coll/comp coverage)
Use of vehicle for business/work vs pleasure
The insurance company you choose
… And a few other minor factors
What would the insurance cost for a citreon saxo?
I’m nearly 17 and i’m most probably getting a citroen saxo, a second hand one, something cheap. I was just wondering how much the insurance might costs roughly. Thankss
Minimum £2000, average £2500 and £3000 plus is possible.
There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance – these are mainly;
1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers.
2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle
3. The occupation of the policyholder and any named drivers
4. The claims history of any drivers
5. The licence details of drivers (endorsements, length of time held)
6. Where the car is normally kept overnight (is it the policyholders address? On road is more expensive than on a drive which is more expensive than in a locked garage.
7. What use will the car be insured for, social and domestic is the minimum but if commuting and use for the policyholders business or their employers business is added the price increases. If used to commute where is the car to be parked when there – on road or in a car park.
8. Does the car have any modifications from the standard factory fresh condition like alloy wheels or performance enhancements – some insurers will refuse to cover modified cars, some will increase the price and some will cover them but only for return to standard.
You need to tell the full truth about everything asked and inform them of any changes to any of the details disclosed as the policy goes on – failing to do that can render it null and void.
Some younger drivers consider putting the car and insurance in a parents name with the parent as a fraudulent main driver and them as an occasional named driver to cut the premiums. This common scam is called “Fronting” and is an illegal act which can get parent and son/daughter into a lot of long lasting expensive troubles.
Most insurers offer a monthly payment scheme and most need about 15% up front to start the cover. The scheme is usually in the form of a loan and so interest is charged – this can be as much as 25% APR. This is usually at rate which is higher than most credit cards even charge so look at other ways to borrow the money to spread the cost if possible as it will be cheaper.
With a few minor differences these are the questions you will be asked before being given a quote. Not having supplied these details on Yahoo Answers, and who would, it is impossible to give a guess of a price for you to within even £1000 for a younger newly qualified driver.
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