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Old March 12th, 2009, 08:41 PM   #1
hondadirtracer
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Default Car Insurance for Teen

I am 15 right now and will be 16 and getting my license in June. My question is if you have a teenage driver, were one not too long ago, or know one and know what they pay, I would like to know what you paid on average per year. I was quoted online by Geico for $2500 per year for PLPD and Progressive quoted me for $2100 per year for PLPD, mind you I inputted that I got my license at the beginning of this month, so I was being quoted as a 16 year old. This will be for a '93 Chevy 1500 2wd V6. Thanks, Mike

Last edited by hondadirtracer; March 12th, 2009 at 08:46 PM.
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Old March 12th, 2009, 08:44 PM   #2
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Im 16 and I pay around $635 every six months for PLPD on a 97 wrangler, and thats through state farm.
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Old March 12th, 2009, 08:46 PM   #3
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have your parents insure you for a while. Have them put you under their policy. Then do the progressive MYRATE program for the best discount, if your a good driver.
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Old March 12th, 2009, 08:46 PM   #4
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i think i was payn 2100 or 2200 a year on my 77
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Old March 12th, 2009, 08:48 PM   #5
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have your parents insure you for a while. Have them put you under their policy. Then do the progressive MYRATE program for the best discount, if your a good driver.
I have to be on my own policy and have the vehicle in my name because my parents insurance prohibits them from having any drivers under 45.
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Old March 12th, 2009, 08:50 PM   #6
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I'm not a teen but have one that will be getting his license soon and we have 6 vehicles, was quoted by state farm that if he maintained an A-B grade average it would be about $130.00 every 6 months and he would be covered on all of our vehicles.
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Old March 12th, 2009, 08:51 PM   #7
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Quote:
Originally Posted by hondadirtracer View Post
I am 15 right now and will be 16 and getting my license in June. My question is if you have a teenage driver, were one not too long ago, or know one and know what they pay, I would like to know what you paid on average per year. I was quoted online by Geico for $2500 per year for PLPD and Progressive quoted me for $2100 per year for PLPD, mind you I inputted that I got my license at the beginning of this month, so I was being quoted as a 16 year old. This will be for a '93 Chevy 1500 2wd V6. Thanks, Mike
I just sent you a PM I'm an independent agent, I can quote you tomorrow all different companies so you can compare.
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Old March 12th, 2009, 08:54 PM   #8
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Quote:
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I have to be on my own policy and have the vehicle in my name because my parents insurance prohibits them from having any drivers under 45.
What insurance is that??? I was under state farm with my parents when I was 16 to 18. After 18 I went on my own name for liability reasons.
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Old March 12th, 2009, 08:55 PM   #9
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Insurance is a bitch if are on your own policy when you are young.


AAA used to be sort of "cheap" for young drivers, not sure anymore
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Old March 12th, 2009, 08:56 PM   #10
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Quote:
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What insurance is that??? I was under state farm with my parents when I was 16 to 18. After 18 I went on my own name for liability reasons.


they must have the senior citizen insurance
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Old March 12th, 2009, 09:01 PM   #11
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they must have the senior citizen insurance
Yeah they do. My dad is 53 and my mom is 48. They get an old person discount.
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Old March 12th, 2009, 09:04 PM   #12
scottie
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Yeah they do. My dad is 53 and my mom is 48. They get an old person discount.


thats not AARP age yet, your parents just have weird insurance.

Probably cheaper to have them get a new policy, add you to it, etc.
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Old March 12th, 2009, 09:07 PM   #13
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thats not AARP age yet, your parents just have weird insurance.

Probably cheaper to have them get a new policy, add you to it, etc.
They have a pretty good deal on insurance right now. I don't have too much of a problem paying for my own insurance and gas because my parents bought me the vehicle.
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Old March 12th, 2009, 09:09 PM   #14
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go through your parents
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Old March 12th, 2009, 09:12 PM   #15
scottie
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Quote:
Originally Posted by hondadirtracer View Post
They have a pretty good deal on insurance right now. I don't have too much of a problem paying for my own insurance and gas because my parents bought me the vehicle.
Your parents probably pay 600-800/year depending on what they drive etc.


You'll pay around 2-2.5K/per year.

all on one might come to 2K per year.


I'd be talkin' nice to my parents to have them get some insurance quotes
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Old March 12th, 2009, 09:41 PM   #16
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I was never on a policy until I titled my mud truck whn I was 22, and I've been driving since I was 16. The trick is not telling the insurance company unless they ask, you can't lie to them and tell them otherwise. And considering that my mom sold insurance for 20+ years, she just wasn't her own agent.

This is the second time that I've heard of a wierdo policy like this. I can't imagine that the deal would be that good.

Last edited by redline8300; March 12th, 2009 at 09:42 PM. Reason: I forgot to say the # of years driving not directly on a policy
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Old March 12th, 2009, 09:48 PM   #17
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I'm 21 i have been with State Farm it's been pretty cheap but that's also with PLPD
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Old March 12th, 2009, 09:50 PM   #18
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i pay 50 bucks each for my 99 taurus and my 93 xj through my rents AAA policy.
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Old March 13th, 2009, 09:08 AM   #19
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I got my parents dropped 3 times by the age of 20 before they booted me off their policies

I cant wait till my son does the same thing
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Old March 13th, 2009, 09:15 AM   #20
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too bad you cannot go through your parents, i pay 55 dollars a month for full coverage through mine.
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