Car best for insurance (minor driver)

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baseballlover1

New member
All this talk of detailing really does make a boy itch for his liscense. I am getting my liscense next year and looking at all these nice cars you guys detail and everything it really does make me want an audi. My cousin is the top audi salesmen in the country so i could get one for a good deal. The only problom with me getting one is insurance. Would an A4 be a smart decision for me to get (insurance wise). The only reason we are even considering me keeping my porsches are 1. they are registered under my dads name and 2. they are insured as antiques. I was just wondering what car would insurance companies not frown on me having (other then a 1988 cutlass supreme or something).



Also this is just a random idea i was thinking about involving insurance. Wouldnt it be smarter for the car manufacterers to offer insurance because they get the parts cheaper then anyone else.
 
Audi's are definitely not cheap on insurance, that is what the deal breaker always was for me. (Note this was when my driving record wasn't the greatest, but compared to other cars it was still higher) I would look at something like a Honda or a domestic.



As for car manufacturers offering insurance, they're in the business to make cars not insure them..They could care less what you do with the car after it is off their lot. Car insurance is based on alot more than just the pricing of parts, since you are a minor it will be more for you given your limited driving experience and how much of a liability you are. Don't get me wrong cost of parts does play a role, but there are other determining factors....I would shop around for car insurance. Like I said, I didn't have the cleanest record but my tickets have been dropping off...I had my insurance re-evaluated to see if I could get it cheaper through another company and it went from $250 a month to $130 a month for full coverage.
 
I'd agree with Joshua312. Sadly, the typically "boring" cars are the cheapest to insure. Since you are just getting your license, get something like a Cobalt or Civic or something and wait until you have a steady sizable income to get something cool. Believe me, I am in college and I keep Porsches, BMWs, etc as my desktop wallpapers to keep me motivated LOL. Plus, whenever I see some young kid in an insanely expensive car, I have very little respect for them because I know more than likely the parents funded it. I'm not trying to rant or anything, this just seems to be a question that comes up on this forum very often....
 
Joshua312 said:
Audi's are definitely not cheap on insurance,...
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That's funny. My wife's A4 was only $5 more a month to insure than my Jetta. My jetta was a 2.0 and the Audi was a 1.8Turbo.



Then again, we are talking about someone who is just getting their license. Any car is going to cost more.



The best thing to do would be to get added to your father's insurance and have him co-sign on the car. It isn't going to make as much of a difference in insurance price based on the car then.



Of course, all of this depends on the insurance company, where you live and your situation. Sometimes the type of car makes a huge difference and in some cases, the type of car really doesn't make a difference.



Best thing to do would be to call around and ask what the difference would be. We don't really kow your situation, so we can't make a good judgement.



azenthusiast said:
Plus, whenever I see some young kid in an insanely expensive car, I have very little respect for them because I know more than likely the parents funded it.
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Some people are just more fortunate. Doesn't make any less of a respectful person just because they drive a $50K+ car at 16. Their attitude about it make them more or less of a respectful person. If they beat the crap out of the car and don't respect what their parents bought them, then hate them. But if they are just driving it and respecting it, good for them. I hate people hating on young people based solely on the fact that they drive an expensive car. You don't know them as a person just by looking or hearing about them driving an expensive car. Like I said, some peopel are more fortunate. Big deal, get over it. (This isn't directed just at you but to all people who think like that.) (Disclaimer - My parents didn't have money to buy me a car. I had to restore a '83 F-150 so I could drive a 16.)



Dude, if you can afford the A4, go for it. Just respect the car and take care of it. Check around for the best insurace for a car like that and also see what it would be for a type of car like the Civic SI or something. Make your decision then.
 
'^^ I agree. I mean I\'m 21 and drive a G35 (not $50k+, but still), but that\'s because I busted my butt in HS and got intoa good college with a full-scholarship. I worked for several summers and my folks chipped in several $K and I got the car. Plus, I\'m very frugal when it comes to everythign else (don\'t go out to eat, don\'t buy expensive clothes, etc.)\r\n\r\nAs far as cheap insurance, I looked online at a list of top 10 leaste pensive cars to insure, and I believe a ford taurus was at the bottom of the list.'
 
Yea i think my dad already has it planned out about the insurance actually. He sais that our insurance plans are done by this military based company or something. He said it was only oferred to officers in the military. I dont know anymore about the company. The only problom about going for it and just buying the audi is my dad doesnt support it.
 
sixty7mustang22 said:
That's funny. My wife's A4 was only $5 more a month to insure than my Jetta. My jetta was a 2.0 and the Audi was a 1.8Turbo.



Then again, we are talking about someone who is just getting their license. Any car is going to cost more.



The best thing to do would be to get added to your father's insurance and have him co-sign on the car. It isn't going to make as much of a difference in insurance price based on the car then.



Of course, all of this depends on the insurance company, where you live and your situation. Sometimes the type of car makes a huge difference and in some cases, the type of car really doesn't make a difference.



Best thing to do would be to call around and ask what the difference would be. We don't really kow your situation, so we can't make a good judgement.



Some people are just more fortunate. Doesn't make any less of a respectful person just because they drive a $50K+ car at 16. Their attitude about it make them more or less of a respectful person. If they beat the crap out of the car and don't respect what their parents bought them, then hate them. But if they are just driving it and respecting it, good for them. I hate people hating on young people based solely on the fact that they drive an expensive car. You don't know them as a person just by looking or hearing about them driving an expensive car. Like I said, some peopel are more fortunate. Big deal, get over it. (This isn't directed just at you but to all people who think like that.) (Disclaimer - My parents didn't have money to buy me a car. I had to restore a '83 F-150 so I could drive a 16.)



Dude, if you can afford the A4, go for it. Just respect the car and take care of it. Check around for the best insurace for a car like that and also see what it would be for a type of car like the Civic SI or something. Make your decision then.
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i would agree, man, my brother-in-law had a BMer Z3 bc he had the means to pay for it, not his parents...i can't talk tho, my car my parents bought, it's no Audi, but it's still a car of some kind...
 
I don't want to retract my last statement, but I guess I will clarify. My car was originally owned by my parents and I am extremely grateful to have it. My main issue is with kids who think they should create a wishlist of cars to spend the money which their parents have worked so hard to earn. In other words, just be grateful for what you have or get. I do enjoy looking at SRT8s, Chargers, Porsches, etc. but never in a million years would I want my parents to buy one for me. I would feel guilty actually.
 
azenthusiast said:
My main issue is with kids who think they should create a wishlist of cars to spend the money which their parents have worked so hard to earn. In other words, just be grateful for what you have or get.
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Once again, I couldn't agree more...I am on the same page as you on this topic. I remember kids in my highschool who had their parents buy their car...and too see them beat the heck out of it and trash it just makes me sick. If my parents bought me a car I would treat it like a million bucks....because let's face it - Not having a car payment would be a burden off my shoulders.
 
Something like a Corolla would be a lot cheaper to insure. My son saved up $6000 over two years, put $4000 down on a 2007 Corolla and finance the rest. He averages 35 mpg and his insurance is very reasonable for him only being 18. He had thought about a Mini but the insurance was more, so was cost of ownership and it was very important to him that he be able to fully afford his own car.
 
Get a 04 GTO insurance is fairly cheap on them. I had a Mazda 3 160hp and really slow. Insurance went up like $15 a month when I bought the GTO. Cheap insurance and 350hp stock. Either way you look at it insurance will suck at your age. Until you hit 25.
 
Joshua312 said:
Once again, I couldn't agree more...I am on the same page as you on this topic. I remember kids in my highschool who had their parents buy their car...and too see them beat the heck out of it and trash it just makes me sick. If my parents bought me a car I would treat it like a million bucks....because let's face it - Not having a car payment would be a burden off my shoulders.
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DUDE EXACTLY!!!!! I go to a private school or a so called "rich kid school" where it is normal for kids to get there cars when theyre 15.5 (age to get permit). Even if my parents did have enouph money to buy me a very nice car paid for in cash, i wouldnt let them because i wouldnt want them being able to hold that over my head. For instance, one girl 2 years ago got a brand new bmw z4, ever siince it has had a heck of a lot of scuffs and scraches and many more things that make me cringe. Last year she got into a minor accident and she thought the car wasnt good enouph for her after that, so she made her dad buy her another new car.
 
Steelth said:
Get a 04 GTO insurance is fairly cheap on them. I had a Mazda 3 160hp and really slow. Insurance went up like $15 a month when I bought the GTO. Cheap insurance and 350hp stock. Either way you look at it insurance will suck at your age. Until you hit 25.
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ONly problum.... i dont exactly like american cars. :nomore: lol im more of a german (BMW, porsche exc) or british cars (mini). But yea i see what you are saying about insurance is going to suck anyway you put it. And if its going to be just 15 or 20 dollars more then screw it ile go and put my down payment on that audi right when i turn 16 lol. I think what my dad is going to say is i have to pay for everything and if i can put it down on paper that i can support my "living" then i can do whatever i want.
 
You're getting your license, chances are your insurance payments will be larger than your car payments if you are indeed paying for anything. I''m sorry to be pessimistic but everyone I knew in HS who owned an expensive car(entire parking lot looked like a BMW/Mercedes dealership) didn't do jack **** for it financially. It was all paid for by mommy and daddy which I don't really care. It just makes me jealous because I'm not in the same situation... :P



If you are paying for your insurance and the car, I would get a Grand Marquis or Crown Victoria or older Lincoln Town Car. Those things are dirt cheap from what I hear.
 
poweredbytorque said:
You're getting your license, chances are your insurance payments will be larger than your car payments if you are indeed paying for anything. I''m sorry to be pessimistic but everyone I knew in HS who owned an expensive car(entire parking lot looked like a BMW/Mercedes dealership) didn't do jack **** for it financially. It was all paid for by mommy and daddy which I don't really care. It just makes me jealous because I'm not in the same situation... :P



If you are paying for your insurance and the car, I would get a Grand Marquis or Crown Victoria or older Lincoln Town Car. Those things are dirt cheap from what I hear.
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"You're getting your license, chances are your insurance payments will be larger than your car payments if you are indeed paying for anything"... what does that mean?



lets just say that i do a hell of a lot more then jack sh!t for what i have. And even though i would be grateful for what i would have even if i had any of the cars you mentioned, my family as do i (not meaning to be "spoiled") think that i deserve a lot more then that when it comes to cars for the sole reason that i have saved and cut back on every single expense for around 4 years to save for my car. Now how many 14 year olds can say they have over 22 grand in assets that have earned and invested correctly.
 
Also, i beleive that your opinion sits a heck of a lot differently then mine on the subject of the american cars you mentioned. Judging by your screen name "poweredbytorque" you own some sort of american car, probobly a muscle car or something like it. And you enjoy american cars emensely (which is not a bad thing, its an opinion), however i cannot ever see myself in an american car due to the fact that i do not trust them (especially older ones). I would rather like a '89 VW GTI... similar to the one in my backyard that would need to be restored to drive. But i would rather like a newer car that is more reliable because in a few years i will be going to college and will need a reliable car to comute back and forth to my home town and college town.
 
It doesn't like you are going to listen to anyone's opinions..you asked for assistance and obviously you know what you already want so just buy it and be happy
 
....youve got a good point. and even though it may sound like im not valuing your guyses recomendations i really am. A lincoln towncar was even thrown into my options by poweredbytorque (thanks btw). Even though i probobly pissed some people off here by making them feel like im blowing off their thoughts, every thought is contributing to my end result and conclusion. Which after it is all done, there will be a picture up here showing it off under the "click and brag" section because i am going to make darn sure i brag about my car... even if it is a dreaded crown vic. And it will look just like it did after it did when it was on that truck being delivered to the dealership. Anyway thanks guys for all your help! And thanks joshua for for making me realize what an azz i was being. BTW i like your name (joshua), its my middle name!:laugh: ... btw is there any chance you are jewish? because joshua is a jewish name... and im jewish. just wondering :idea
 
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