16 year old insurance
Veteran
Joined: May 2007
Posts: 359
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RE: 16 year old insurance
I think it's funny to read people's opinions regarding insurance, the size of engines vs. a driver's age/maturity at 16.
My first car was a 64 VW beetle conv. It wouldn't pull a sick ***** off a toilet seat. My second car was a 73 Dodge Dart, 340. Went through 3 sets of rear tires in the first 2 months. Of course, I paid for the car, tires and my own insurance and repairs.
I agree with most of what's been said, including the statement that if the 16 year old has good grades, has a job, respects his parents and shows resposibility, then why not...
Just because I had a crappy car at 16 doesn't mean that every 16 year old has to have one. Some kids are luckier then other kids, and some parents are better to financially provide for those kids, then my parents were able to.
Hopefully the kid learns to take care of the truck, respect its power and drive it responsibly. Insurance data and records lump all young males into catagories of high risks with vehicles with high horsepower for a very good reason, but it doesn't mean that all young men are out doing burnouts.... Sometimes you have to judge the induvidual, not the crowd. My 2 cents.
My first car was a 64 VW beetle conv. It wouldn't pull a sick ***** off a toilet seat. My second car was a 73 Dodge Dart, 340. Went through 3 sets of rear tires in the first 2 months. Of course, I paid for the car, tires and my own insurance and repairs.
I agree with most of what's been said, including the statement that if the 16 year old has good grades, has a job, respects his parents and shows resposibility, then why not...
Just because I had a crappy car at 16 doesn't mean that every 16 year old has to have one. Some kids are luckier then other kids, and some parents are better to financially provide for those kids, then my parents were able to.
Hopefully the kid learns to take care of the truck, respect its power and drive it responsibly. Insurance data and records lump all young males into catagories of high risks with vehicles with high horsepower for a very good reason, but it doesn't mean that all young men are out doing burnouts.... Sometimes you have to judge the induvidual, not the crowd. My 2 cents.
Champion
Joined: May 2006
Posts: 4,616
Likes: 0
From: San Diego
RE: 16 year old insurance
ORIGINAL: OldMoparMan
I think it's funny to read people's opinions regarding insurance, the size of engines vs. a driver's age/maturity at 16.
My first car was a 64 VW beetle conv. It wouldn't pull a sick ***** off a toilet seat. My second car was a 73 Dodge Dart, 340. Went through 3 sets of rear tires in the first 2 months. Of course, I paid for the car, tires and my own insurance and repairs.
I agree with most of what's been said, including the statement that if the 16 year old has good grades, has a job, respects his parents and shows resposibility, then why not...
Just because I had a crappy car at 16 doesn't mean that every 16 year old has to have one. Some kids are luckier then other kids, and some parents are better to financially provide for those kids, then my parents were able to.
Hopefully the kid learns to take care of the truck, respect its power and drive it responsibly. Insurance data and records lump all young males into catagories of high risks with vehicles with high horsepower for a very good reason, but it doesn't mean that all young men are out doing burnouts.... Sometimes you have to judge the induvidual, not the crowd. My 2 cents.
I think it's funny to read people's opinions regarding insurance, the size of engines vs. a driver's age/maturity at 16.
My first car was a 64 VW beetle conv. It wouldn't pull a sick ***** off a toilet seat. My second car was a 73 Dodge Dart, 340. Went through 3 sets of rear tires in the first 2 months. Of course, I paid for the car, tires and my own insurance and repairs.
I agree with most of what's been said, including the statement that if the 16 year old has good grades, has a job, respects his parents and shows resposibility, then why not...
Just because I had a crappy car at 16 doesn't mean that every 16 year old has to have one. Some kids are luckier then other kids, and some parents are better to financially provide for those kids, then my parents were able to.
Hopefully the kid learns to take care of the truck, respect its power and drive it responsibly. Insurance data and records lump all young males into catagories of high risks with vehicles with high horsepower for a very good reason, but it doesn't mean that all young men are out doing burnouts.... Sometimes you have to judge the induvidual, not the crowd. My 2 cents.
squirt, if ya have more insurance on other things, see what their rates are before shopping towards other companies. like, if you have house insurance, cars, and some other types of insurance with the same company, they will give you a lower rate which is what i have.
Registered User
Joined: Mar 2007
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RE: 16 year old insurance
I am 25 and i pay 88 bucks a month for my hemi full coverage. Yes though for an inexperianced driver and rear wheel drive with 350hp. he has to be careful like anyhing. It's all in your trust, just hate to see something happen to him.
Rookie
Joined: Feb 2007
Posts: 77
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RE: 16 year old insurance
Crap...I'm 30 in NJ and payin almost $2000 a yr for full coverage...and I get a discount for good credit, defensive driving, and engineering (co I deal with gives discounts to engineers)
All Star
Joined: Jan 2007
Posts: 982
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From: Connecticut
RE: 16 year old insurance
I'm 27 and for the first time my insurance has dropped below $100/ month (10 out of 12 months, and CT sucks... insurance capital of the US my ***). Make the kid pay, like my parents did, and he will learn responsibility... if he screws up, it is on him to fix it. I did dumb stuff, but learned from it and grew from it. If things were just handed to me, I would have been a spoiled little brat like so many kids are today. But professionally speaking, although when young kids die in accidents they are tragic and stick with you for a while (couple months ago had to pry a burnt out corpse of a 17 or 18 year old from a triple fatal accident) the ratio of young kid to adults (I would say 30 and older) is that I see more fatalities with the older age group. Surprisingly even more then that 21 to 25 age group.
Veteran
Joined: May 2007
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RE: 16 year old insurance
ORIGINAL: FFMedic1479
Oh, and beat him with awooden spoonif you ever find him without a seatbelt.
Oh, and beat him with awooden spoonif you ever find him without a seatbelt.
Champion
Joined: May 2006
Posts: 4,616
Likes: 0
From: San Diego
RE: 16 year old insurance
ORIGINAL: OldMoparMan
Man....I haven't thought about "the wooden spoon" in ages..........My mom was wicked with one of those.... {{shudder}}
ORIGINAL: FFMedic1479
Oh, and beat him with awooden spoonif you ever find him without a seatbelt.
Oh, and beat him with awooden spoonif you ever find him without a seatbelt.