got my insurance quote today- im 16 - Page 5 - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

DET MUSL · 10-22-2008, 08:48 PM

When I was 16 I had a brand new 2003 Saturn L-Series and my insurance cost for every 6 months (this is when I lived in Michigan) was $1,180. Mine had the 4-cylinder too.
Now I live in Ohio, I'm 22, Have a Supercharged Cobalt SS, 3 tickets on my reacord, and I pay $738 every 6 months.
Bottom line it's your age and it's sports car in a big way. Plus rates vary state to state as you can CLEARLY see from my story. With that said, good luck and I hope you can afford it.

Th3Nigh7Stalk3r · 10-22-2008, 08:56 PM

Quote:

Originally Posted by DET MUSL

When I was 16 I had a brand new 2003 Saturn L-Series and my insurance cost for every 6 months (this is when I lived in Michigan) was $1,180. Mine had the 4-cylinder too.
Now I live in Ohio, I'm 22, Have a Supercharged Cobalt SS, 3 tickets on my reacord, and I pay $738 every 6 months.
Bottom line it's your age and it's sports car in a big way. Plus rates vary state to state as you can CLEARLY see from my story. With that said, good luck and I hope you can afford it.

I will be 20 by the time I get my camaro. I have no tickets on my record and I am getting the camaro from south east MI.

ucla1ove3 · 10-22-2008, 09:01 PM

what do you expect your insurance to be night stalker

nickspohn · 10-22-2008, 09:34 PM

I'm 17 and pay over $250 a month for a V6 2002 Camaro. Full coverage of course, but i don't have collision anymore, so it's around $150 now.

So if you think you guys have it bad... Cleanest record. Probably one of the best drivers for my age (not meaning to sound cocky) but i can't even recall how many IDIOT drivers there are on the road

16yearoldcamarodriver · 10-22-2008, 09:55 PM

Quote:

Originally Posted by franknbeans

sorry to say this but there's no way a 16 yr old should have a car that cost more than 5k.

I'm afraid I'm gonna have to disagree with you.

*Milk 1027* · 10-22-2008, 09:56 PM

Age 18
Insurance Company: Allstate
Cars: 2006 Chevy Malibu V6
2006 Dodge Durango V8
1990 Nissan 300ZX V6
1974 Chevy Camaro V8 (listed as primary)

Pay: $1600/year

ucla1ove3 · 10-22-2008, 09:56 PM

that's only 1500 every 6 mos. nick. that seems to be ABOUT the average for our age on sports cars. 1500 to 2 k

*Milk 1027* · 10-22-2008, 09:57 PM

Quote:

Originally Posted by 16yearoldcamarodriver

I'm afraid I'm gonna have to disagree with you.

drop it. don't start this all over again.

ucla1ove3 · 10-22-2008, 09:58 PM

yea i would really like to keep the bickering about age to a minimum. please and thank you

MajorTom · 10-22-2008, 10:08 PM

That price sounds just a little high. Get them to quote it again once more info is out for the Camaro.

I have a feeling safety features will have more of an effect on insurance prices than engine choice.

The GTO is a 400 hp car comparable to the Camaros though the GTO has one or two fewer safety features. I priced a few small FWD cars and the GTO was actually cheaper than a Mazda3 for myself. So that should tell you something. That's the base Mazda too.

Gomerr · 10-22-2008, 11:19 PM

Car: Honda Civic 4 Door
Year: 1991
Color: Light Blue
Tickets: 3 since i was 16 (speeding ticket used lawyer to get down to non moving violation of broken brakes (hahaha), speeding ticket 71 in a 65, and running a stop sign in a residential neighborhood).
Age: 23
Last ticket: 3 years ago
Insurance for liability only: 600$/6mo
Is this high?: Yea, i should prolly shop around but went with my parents insurer on my own plan just to get credit and stuff.

As stated above countless times, it comes down to many many variables which can include color of car, age of driver, driving experience, moving/non-moving tickets (aka speeding ticket compared to brake light), gender, ethnicity (sadly), current income, current residential status, current martial status, current child status...etc...etc...etc.

im wondering if im better off to move out and get a small apartment or living at home will get me better rates...thats the pickel.

1700$ for full coverage for 6mon i could deal with, grantid it would suck majorly but its bearable...anything over 2k would be stretching it.

*Milk 1027* · 10-22-2008, 11:31 PM

Quote:

Originally Posted by Gomerr

Car: Honda Civic 4 Door
Year: 1991
Color: Light Blue
Tickets: 3 since i was 16 (speeding ticket used lawyer to get down to non moving violation of broken brakes (hahaha), speeding ticket 71 in a 65, and running a stop sign in a residential neighborhood).
Age: 23
Last ticket: 3 years ago
Insurance for liability only: 600$/6mo
Is this high?: Yea, i should prolly shop around but went with my parents insurer on my own plan just to get credit and stuff.

As stated above countless times, it comes down to many many variables which can include color of car, age of driver, driving experience, moving/non-moving tickets (aka speeding ticket compared to brake light), gender, ethnicity (sadly), current income, current residential status, current martial status, current child status...etc...etc...etc.

im wondering if im better off to move out and get a small apartment or living at home will get me better rates...thats the pickel.

1700$ for full coverage for 6mon i could deal with, grantid it would suck majorly but its bearable...anything over 2k would be stretching it.

No. Common misconception.

*TAG UR IT* · 10-23-2008, 12:15 AM

3400 a year....rediculous! Shop around....get on mom and dads policy, etc..there are so many ways to save on INS.

ucla1ove3 · 10-23-2008, 05:48 PM

Tag you are the first one to say that.... I think..

just wondering why? I would like to hear your side of the story. And your reasons.

I thought it was roughly that much for all kids my age with sports cars. Thanks

10-22-2008, 08:48 PM	#57
DET MUSL Let's Go Wings! Drives: 2005 Cobalt SS/SC Join Date: Aug 2008 Location: Sandusky, Ohio Posts: 313 View My Garage	When I was 16 I had a brand new 2003 Saturn L-Series and my insurance cost for every 6 months (this is when I lived in Michigan) was $1,180. Mine had the 4-cylinder too. Now I live in Ohio, I'm 22, Have a Supercharged Cobalt SS, 3 tickets on my reacord, and I pay $738 every 6 months. Bottom line it's your age and it's sports car in a big way. Plus rates vary state to state as you can CLEARLY see from my story. With that said, good luck and I hope you can afford it. __________________ Current Ride 2005 Cobalt SS/SC Mods: GMPP Stage 2 K&N CAI Vibrant Racing Muffler Carbon Fiber Hood w/ SS style scoop Black Wheels Best 1/4 Mile Time 13.8 @ 101.4mph

10-22-2008, 09:56 PM	#62
Milk 1027 Camaro➎ moderator Drives: '13 BLK 1LE Join Date: Aug 2008 Location: AZ Posts: 13,567 View My Garage	Age 18 Insurance Company: Allstate Cars: 2006 Chevy Malibu V6 2006 Dodge Durango V8 1990 Nissan 300ZX V6 1974 Chevy Camaro V8 (listed as primary) Pay: $1600/year __________________

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10-22-2008, 09:01 PM	#59
ucla1ove3 Drives: soon to be 2010 CAMARO :] Join Date: Aug 2008 Location: houston, tx Posts: 1,284	what do you expect your insurance to be night stalker

10-22-2008, 09:34 PM	#60
nickspohn Drives: 2002 Camaro Join Date: Oct 2008 Location: Chicago Posts: 119 View My Garage	I'm 17 and pay over $250 a month for a V6 2002 Camaro. Full coverage of course, but i don't have collision anymore, so it's around $150 now. So if you think you guys have it bad... Cleanest record. Probably one of the best drivers for my age (not meaning to sound cocky) but i can't even recall how many IDIOT drivers there are on the road

10-22-2008, 09:58 PM	#65
ucla1ove3 Drives: soon to be 2010 CAMARO :] Join Date: Aug 2008 Location: houston, tx Posts: 1,284	yea i would really like to keep the bickering about age to a minimum. please and thank you

10-22-2008, 10:08 PM	#66
MajorTom Drives: 2005 Pontiac GTO Join Date: Jul 2008 Location: Saint Louis, MO Posts: 306	That price sounds just a little high. Get them to quote it again once more info is out for the Camaro. I have a feeling safety features will have more of an effect on insurance prices than engine choice. The GTO is a 400 hp car comparable to the Camaros though the GTO has one or two fewer safety features. I priced a few small FWD cars and the GTO was actually cheaper than a Mazda3 for myself. So that should tell you something. That's the base Mazda too.

10-22-2008, 11:19 PM	#67
Gomerr Drives: 1991 Honda Civic Join Date: Oct 2008 Location: St Louis area Posts: 52	Car: Honda Civic 4 Door Year: 1991 Color: Light Blue Tickets: 3 since i was 16 (speeding ticket used lawyer to get down to non moving violation of broken brakes (hahaha), speeding ticket 71 in a 65, and running a stop sign in a residential neighborhood). Age: 23 Last ticket: 3 years ago Insurance for liability only: 600$/6mo Is this high?: Yea, i should prolly shop around but went with my parents insurer on my own plan just to get credit and stuff. As stated above countless times, it comes down to many many variables which can include color of car, age of driver, driving experience, moving/non-moving tickets (aka speeding ticket compared to brake light), gender, ethnicity (sadly), current income, current residential status, current martial status, current child status...etc...etc...etc. im wondering if im better off to move out and get a small apartment or living at home will get me better rates...thats the pickel. 1700$ for full coverage for 6mon i could deal with, grantid it would suck majorly but its bearable...anything over 2k would be stretching it.

10-23-2008, 12:15 AM	#69
TAG UR IT www.Camaro5store.com Drives: 2014 ZL1 #705 Join Date: Jul 2006 Location: SA, Texas Posts: 26,558 View My Garage	3400 a year....rediculous! Shop around....get on mom and dads policy, etc..there are so many ways to save on INS.

10-23-2008, 05:48 PM	#70
ucla1ove3 Drives: soon to be 2010 CAMARO :] Join Date: Aug 2008 Location: houston, tx Posts: 1,284	Tag you are the first one to say that.... I think.. just wondering why? I would like to hear your side of the story. And your reasons. I thought it was roughly that much for all kids my age with sports cars. Thanks