So close, yet so far

[rvlyssup]

OP...for the 3rd year in a row, far worse for male teens.
http://www.usatoday.com/story/money/cars/2015/06/15/high-insurance-rates-for-teen-drivers/71150888/

When my 2nd oldest son was 17. his mom bought him a 2000 Civic for $1500 & he drove it until the end of April this year. You can pretty much guess what he bought with his own money & insurance.

With that being said, I reckon your pops is gonna Bogart that Pony & maybe you get to borrow it once in a great while; it'll be his "new favorite". I suggest you start small and get the car you want on your own...eventually.

Cue in the music...
[ame]

Sponsored

 

[Lord Thunder]

First things first, I'm a senior in high school

Stopped reading there.

 

[BBB]

OP...for the 3rd year in a row, far worse for male teens.
http://www.usatoday.com/story/money/cars/2015/06/15/high-insurance-rates-for-teen-drivers/71150888/

When my 2nd oldest son was 17. his mom bought him a 2000 Civic for $1500 & he drove it until the end of April this year. You can pretty much guess what he bought with his own money & insurance.

With that being said, I reckon your pops is gonna Bogart that Pony & maybe you get to borrow it once in a great while; it'll be his "new favorite". I suggest you start small and get the car you want on your own...eventually.


Cue in the music...

The video just made my day good sir!

 

[Free Agent]

Wow man, calm down. If you would step down off your soapbox, you would understand he said that he could see IF he had tickets or an accident BUT he has a clean record.

I would much rather see my child in a new car with new safety features than some old junker with two airbags that folds like a tin can. I think the V6 Mustang would make a good car for a beginner. My first car was a 30 year old 280Z Datsun. I sold it for something newer and safer pretty quickly.

No way would I ever lease a car though. Especially a car for a high school kid to drive around.




Yeah, we had a great deal on two '04 R6 (mine black/red flames and brother wanted the grey, Raven, I think it was called) and a cruiser for my dad. He called the insurance company while the dealer was doing the paperwork. $1500/mo for me, $2000/mo for my brother, and $60/mo for my dad. That much for a bike that cost $7500 new at the time.

Yeah Greg, get ready for "grown up land" where you can get yourself worked up by misreading a forum post :lol:

Let me guess fellas, 16-25 year old age group?

Sometimes the hardest things to hear are often the best advice that can be offered. If this 16/17 year old hears nothing but, yeah go for it, do it, mom and dad can pay for it and so on that is exactly what he WANTS to hear. As a father of a teenage son the best thing you can do for them is be a parent first and not just their friend. And I also happen to work with this age group on a daily basis as well. Teens need guidance and sometimes that has to be a firm hand.

Now for the OP. If it did seem I came off a little harsh it may do nothing but close your mind to my advice but really you need to be having these discussions with your PARENTS. Hearing what you want to hear from 16 to 25 year olds may not be the best advice, although I can say yes shopping around for insurance is good practice. Take my advice or leave it. I'm 44 y.o. and I still listen to my mother and father for advice on certain matters. Experience matters. Communicate with your parents. Do something shocking like offering to take on a part time job to make the payments or pay for your own insurance. You will appreciate the car more if you are putting your own hard earned money into it. Good luck.

 

[15wile]

Hell, they wanted my brother to pay like $400/month on a pickup truck at 18. F*cking lunatics. But he shopped around and got it down to like $200/month. Def. look around man, that's a ripoff.

 

['Merica]

Let me guess fellas, 16-25 year old age group?

Sometimes the hardest things to hear are often the best advice that can be offered. If this 16/17 year old hears nothing but, yeah go for it, do it, mom and dad can pay for it and so on that is exactly what he WANTS to hear. As a father of a teenage son the best thing you can do for them is be a parent first and not just their friend. And I also happen to work with this age group on a daily basis as well. Teens need guidance and sometimes that has to be a firm hand.

Now for the OP. If it did seem I came off a little harsh it may do nothing but close your mind to my advice but really you need to be having these discussions with your PARENTS. Hearing what you want to hear from 16 to 25 year olds may not be the best advice, although I can say yes shopping around for insurance is good practice. Take my advice or leave it. I'm 44 y.o. and I still listen to my mother and father for advice on certain matters. Experience matters. Communicate with your parents. Do something shocking like offering to take on a part time job to make the payments or pay for your own insurance. You will appreciate the car more if you are putting your own hard earned money into it. Good luck.

16-25? lol, no. But I would say your second response was much more mature than your tirade posted earlier. Hopefully you don't go off on the kids your work with like you did here. My kids would definitely not be around you.

 

[Tamadrummer88]

I would literally be brown nosing your dad everyday if i were you for getting me a brand new 2015 Mustang at 18.

 

[Free Agent]

Hell, they wanted my brother to pay like $400/month on a pickup truck at 18. F*cking lunatics. But he shopped around and got it down to like $200/month. Def. look around man, that's a ripoff.

I agree that $400 price is on the high side. When you look at it from the insurers point of view though the 16-25 year old male age group is the riskiest group to insure when like 50% of claims for vehicles come from a segment that makes up less than 10% of the driving public.

Insurance companies aren't charities. They don't give out money for free and don't want to lose money or they will be right out of business. The 16 to 18 year old driver is the LAST driver they want to insure as they have to pay out on them the most.

I would suggest to the OP to get on as a driver on the car with his parents being the primary drivers. I'm also saying this from a selfish point of view. MY RATES increase every time a new Mustang gets wrecked or totaled. We pay our rates for other peoples accidents. The selfish part of me wants a more mature driver for the vehicle I choose so my rates don't skyrocket. Yep I know that is a very selfish attitude, but when it comes to money, cash is cold. ;)

As you said though, shop around. Also don't always be lured by the cheapest you can find. Often times they may not be there for you the way another agency may. I've been with State Farm since I started driving. I know they will take care of me and have in the past. I could get a better rate than they offer I'm sure but the SERVICE that comes with it can come into play.

 

[thxultra]

Let me guess fellas, 16-25 year old age group?

Sometimes the hardest things to hear are often the best advice that can be offered. If this 16/17 year old hears nothing but, yeah go for it, do it, mom and dad can pay for it and so on that is exactly what he WANTS to hear. As a father of a teenage son the best thing you can do for them is be a parent first and not just their friend. And I also happen to work with this age group on a daily basis as well. Teens need guidance and sometimes that has to be a firm hand.

Now for the OP. If it did seem I came off a little harsh it may do nothing but close your mind to my advice but really you need to be having these discussions with your PARENTS. Hearing what you want to hear from 16 to 25 year olds may not be the best advice, although I can say yes shopping around for insurance is good practice. Take my advice or leave it. I'm 44 y.o. and I still listen to my mother and father for advice on certain matters. Experience matters. Communicate with your parents. Do something shocking like offering to take on a part time job to make the payments or pay for your own insurance. You will appreciate the car more if you are putting your own hard earned money into it. Good luck.

He actually did say he offered to get a job in the original post (but his mother wants him to focus on school). Do agree with you though he needs to have a conversation with his parents but getting information off this forum isn't a bad idea so he can talk to his parents and be informed. In the end sounds like his parents are footing at least part of the bill so he has to respect the decision they make and be happy that he is a senior in HS and in a few years hopefully he will have a good job and can buy his own Mustang

 

[Free Agent]

16-25? lol, no. But I would say your second response was much more mature than your tirade posted earlier. Hopefully you don't go off on the kids your work with like you did here. My kids would definitely not be around you.

Which would be the worst thing for them because I am a VERY positive influence. Hearing hard words takes maturity. Just wanting to hear WHAT YOU WANT TO HEAR isn't. Parenting is an acquired skill and I'm still learning it to this day. I'm no expert but sometimes the best things for teens aren't what they want you to do or even what YOU want to do, but it is what is necessary and right. I'll leave it at that. OP needs to communicate with his parents. Driving a car is ADULT privilege that we extend to children in my view. That may not be a popular view but it could save a lot of heartache I've seen in my experience. If my original posts came off as gruff. The world is tough, we sugarcoat it too much for our kids in a lot of ways (and not enough in others). Best wishes to you and your children if you have them.

 

[Socalmustang]

Alright, should I just call or do online quote?

Call them! They offer a ton of discounts, I think all of the one's you mentioned. Have your parents be there with you because they will need a lot of there info. Tell them your buying a car soon and want a quote. Good thing about them too is that they don't make you pay for a down payment like a lot of insurance companies do.

 

[Chameleon]

Cue in the music...

You win today. Was that BBB driving?

Now for the OP. If it did seem I came off a little harsh it may do nothing but close your mind to my advice but really you need to be having these discussions with your PARENTS. Hearing what you want to hear from 16 to 25 year olds may not be the best advice, although I can say yes shopping around for insurance is good practice. Take my advice or leave it. I'm 44 y.o. and I still listen to my mother and father for advice on certain matters. Experience matters.

This.

 

[Charles147]

Which would be the worst thing for them because I am a VERY positive influence. Hearing hard words takes maturity. Just wanting to hear WHAT YOU WANT TO HEAR isn't. Parenting is an acquired skill and I'm still learning it to this day. I'm no expert but sometimes the best things for teens aren't what they want you to do or even what YOU want to do, but it is what is necessary and right. I'll leave it at that. OP needs to communicate with his parents. Driving a car is ADULT privilege that we extend to children in my view. That may not be a popular view but it could save a lot of heartache I've seen in my experience. If my original posts came off as gruff. The world is tough, we sugarcoat it too much for our kids in a lot of ways (and not enough in others). Best wishes to you and your children if you have them.

:amen: Everyone needs a lil bit of tough love!

 

[Old 5 Oh]

Before we started everything my mom called our insurance agent from Allstate, and she asks him how much would it be to insure a high school senior for a mustang, he gives us a "rough" estimate. "About $400-$500 a month"

I call BS on that.

You need to check with another source. Not even Allstate is going to charge that much, unless you are a 2.0 student with 3 tickets and 5 wrecks.

 

[Charles147]

I call BS on that.

You need to check with another source. Not even Allstate is going to charge that much, unless you are a 2.0 student with 3 tickets and 5 wrecks.

Many years ago my V6 Firebird was $350 a month to insure and that was the BEST deal I could get on my own because I could not be on my parents policy any longer.

Good student but bad luck/stupid behind the wheel. Got a ticket the day I got my license in less than an hour. :doh: A few more stacked up in a short timeframe.

And before anyone judges me about having a Firebird at a young age...you don't know me! I did not get free rides and I always had/have a job.

Sponsored