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Old March 13th, 2009, 09:18 AM   #21
Jesse-James
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USAA, but daddy has to be an officer in the military. I've been with them since I was a kid.

I have a shady history and pay less than 600/yr for 2 drivers on 4 vehicles and I get a rebate check every Jan.

Non-Profit insurance rocks!
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Old March 13th, 2009, 09:20 AM   #22
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When I was 16 it was around 600 every 6 six months.
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Old March 13th, 2009, 09:35 AM   #23
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Go through a fly by night insurance company like LA insurance, you know the ones with the colorful signs all over the front windows of the store. I looked all over for insurance when I was 16-17 and they were the cheapest I still paid like $120 a month but a 16 year old is a high risk and it's the law. I didn't find that progressive or Geico would save me any money til I turned 23. By the way the $120 was after a speeding ticket I think I got 2 points for it. Now at 23 I get to pay $150 for two drivers and 3 cars.
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Old March 13th, 2009, 10:28 AM   #24
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Get some quotes for being on your parents policy, then offer to pay the difference. That would probably be the cheapest way.
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Old March 13th, 2009, 10:39 AM   #25
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Have you called State Farm yet? I work for them and find them to be better then the quotes you have got so far. Not matter what place you go you will pay over $120 a month at your age.
Stick with a place you have a agent's office you can go to. If you have trouble with a claim or any other issues it's always worth it to not have to call a 800 number and talk to God knows who.
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Old March 13th, 2009, 10:40 AM   #26
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Quote:
Originally Posted by jeepitupyo View Post
Go through a fly by night insurance company like LA insurance, you know the ones with the colorful signs all over the front windows of the store. I looked all over for insurance when I was 16-17 and they were the cheapest I still paid like $120 a month but a 16 year old is a high risk and it's the law. I didn't find that progressive or Geico would save me any money til I turned 23. By the way the $120 was after a speeding ticket I think I got 2 points for it. Now at 23 I get to pay $150 for two drivers and 3 cars.
That's a GREAT idea till you wreck your car and they don't want to pay your claims. Good Luck with that on your own.
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Old March 13th, 2009, 11:05 AM   #27
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That's a GREAT idea till you wreck your car and they don't want to pay your claims. Good Luck with that on your own.
With PLPD, I don't think that's too much of a worry
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Old March 13th, 2009, 05:02 PM   #28
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AAA has always given me the cheapest quotes. You might also look into a "high risk" insurance company like Titan. Geico and Progressive have always given me high quotes.
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Old March 13th, 2009, 05:31 PM   #29
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With PLPD, I don't think that's too much of a worry
It can be if you know you actually need to use the liability part
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Old March 13th, 2009, 05:36 PM   #30
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USAA.
Best thing I ever did.
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Old March 13th, 2009, 10:33 PM   #31
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im 16 under my parrents name and my old 84 ford 150 with a I6 was 68 a month and my jeep was 79 my camaro now is on 92 and it has a 350
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Old March 13th, 2009, 11:21 PM   #32
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droski insruance
(231) 937-5563

ask for tanya

tell her "Justin B" sent you.

she's the best insurance agent i've ever had
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Old March 13th, 2009, 11:55 PM   #33
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if your parents policy can't insure anyone under 45 why would it matter? If you put it on their insurance it will be under their name.
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Old March 14th, 2009, 12:15 AM   #34
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im under my parents insurance and when i had my truck for plpd it was about 800 a year and now with my car with full coverage is 2600 a year. but if you find the right agent that will hook you up with dicounts it can be pretty cheap even with your age
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Old March 14th, 2009, 09:22 AM   #35
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Go through AAA. I have them for my 97 ZJ and they are fairly cheap.
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Old March 14th, 2009, 05:15 PM   #36
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Go through AAA. I have them for my 97 ZJ and they are fairly cheap.


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Old March 14th, 2009, 05:17 PM   #37
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Quote:
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What? They were the cheapest out of ANYONE else I called.
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Old March 14th, 2009, 05:27 PM   #38
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Quote:
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AAA used to be sort of "cheap" for young drivers, not sure anymore
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Originally Posted by SportRedGT1 View Post
AAA has always given me the cheapest quotes.
Quote:
Originally Posted by _Kyle_ View Post
Go through AAA. I have them for my 97 ZJ and they are fairly cheap.
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PP when was the last time you were young and looking for incurance
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Old March 14th, 2009, 05:33 PM   #39
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Quote:
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PP when was the last time you were young and looking for incurance
When I left AAA.
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Old March 15th, 2009, 06:20 AM   #40
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I just put my kids car in my name and insured it under my name only! It is insured PL/PD and the way I look at it is he better be covered if he gets into an accident! It is no different then if my neighbor wanted to use my car to go to the store and got into an accident! My mom did the same for me when I was a teenager and I got into an accident and the insurance company covered it...I think they want you to list teen drivers so they can charge you more. But bottom line is PL/PD should cover any driver. If you are using someones car and get pulled over by the police you need to show him proof of insurance, now if you was not covered under the owners policy would you not have to show the police an insurance policy with your name on it? Insurance is insurance and should cover the driver no matter who it is...all this (kids on policies) is just a money making bullshit scam!!!

OH and to further prove my point when you took your drivers road test who's car did you use? When my kid took his test he used mine and they wanted to see proof of insurance. Now the secretary of state (DID NOT) say (He cant drive this because he is not on your insurance) Mmmmm Now I wonder why they didn't say that?

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