Help buy car for 19 yr old college student?

Trust me when I say it's high. I'm ready to pay the 6 month premium, 17

Which is why you should put the car in your name and add the minor to your
policy.

No, it's not. It's the 17 year old that's the ball buster.





How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out

 

Why not teach him?

 

Small cars often have unfavorable driver demographics (i.e. they attract
drivers who crash more often). Coupes are often more expensive to insure
than sedans for similar reasons. Wagons and minivans are often less
expensive to insure. But call your insurance company and ask for rates
before you decide which car to buy.

 

Instead of whining about how expensive a car is to insure, they should think
about comparison shopping for insurance. In my case, I was quoted anywhere from
$1500-$4000 for my Lexus.

Few years back, I remember Saturn owners bragging about how low their insurance
rates were compared to Hondas.... but according to my own investigation, my
Acura Integra (2 door) was only about $130 a year more than a Saturn SC2. Since
I wouldn't be caught dead in an overpriced Sackofcrapurn, I was happy to buy
and drive a car I liked. Don't let insurance determine what you drive, if it
did, everyone would be driving a Ford Taurus!





How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out

 

IME insurance industry does not count responsibility of young drivers - age
just puts them in the "pool" along with everybody else.

Civic has a bad rap in the insurance industry because of the history of all
the boy-racer, stuff. It was just a popular car for young people to get
and then add "performance bits" as $$ became available. The new model may
change that since it's not so amenable to suspension tweaks but it may take
a bit of time for data to filter through the system.

Rgds, George Macdonald

"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??

 

Of course. NO young person wants a Volvo 240.(evil grin)

OTOH, you're paying the bills. Let him save and get his own
hot-rod after college.

His desire is moot. When he can load a keg(oh, did I say, that? -
we all were there - lol) into the wagon and get to the party,
he'll appreciate it.

Or when he has to move across town. Or when he's going to that
rock concert and can take his sleeping bag and rough it.

Plus, it's actually retro AND - press this point, old mint
condition 240s are a girl magnet. They look "cute" and
attract the artsy types Man - that one red-head in college...
(well, that's another story...)

 

Time to learn The auto isn't bad, actually.

 

"Sackofcrapurn"... LOL!!! Excellent new word and fitting.

(BTW: HHR... one of your best yet! Love it. My stomach hurt I laughed so
hard. My brother had one of them and will love that word as well.... thank
you!)

 

Used does not require full coverage. Cash is good that way

 

A follwup - I was busy tonight.

http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?ViewItem&category=31877&item=2472709598
That's a typical low mileage example in mint condition.

The Anthracite Grey(I forget the exact color code/name) is perhaps
one of the most attractive colors to find one in - it really makes
the car look sharp. Compared to new cars, this also looks almost
retro.

Any car in this condition would make your son pleased as can be.
Mine was the same color but a sedan, in the exact same condition.
It felt like a new Mercedes every time I got into it - not a single
thing was wrong on it, scuffed, or broken. I had no problems
parking it at fancy locations, either. Yet, it was a Volvo 240
and I could get around and park it where I wanted without
fearing thieves.

 

Plus, it's actually retro AND - press this point, old mint

Joseph.... you make VERY good points!

Heck you've even got me to start looking and thinking abt a Volvo. lol
Seriously.

I will try and make him "see" the logic of what you suggest. he is
actually more receptive than most kids his age to "logic".

 

From: (He Hate Retards) wrote;

The quoted price is for the car in our name on our policy. It's just
dang expensive to insure a teen in a Civic Coupe. We use 21st Century
Ins.

True dat. But the combo is deadly to the pocketbook.

 

We have assets that could be gone after, which is why I prefer to take
it bending over from the Insurance Co. My son's risk of injuring others
is high right now. I don't want anyone going after our 'stuff' because
their kid got hurt in our car. And I'm not quite ready to write off a
'99 if'n he is responsible for the accident.

 

The quoted price is for the car in our name on our policy. It's just

Try esurance.com.

I got a brand new sports car when I was 17 but don't remember my parents
complaining.





How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out

 

Wrong! Its usually cheaper to buy and old wreck and put the kid on it with
insurance than to add them to your policy. Been there. Currently on 4th
kid.

There are two major considerations going on here for insurance. One is the
age, sex, experience and accident history of the driver. The other is the
claims experience the company has had with that particular year/model of
car. It doesn't matter if its big or small, they are looking at claims
frequency and money they have paid out on this particular model car.

It is usually a good idea to get a quote from the insurance company for
insurance on a particular car before buying.

 

Wrong! Its usually cheaper to buy and old wreck and put the kid on it with

NO! You're wrongo bozo!

A 17 year old's liability coverage alone is thru the roof regardless of the
car.

A 17 year old will ALWAYS cost more to insure than a 35 year old!

How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out

 

Don't get him a car and save lots of money. Buy him bus/train tickets for
when he needs to come home. Or, have the many family members who want to
help him out pick him up from school on a rotating basis. The 4 hours spent
in the car together will help them bond.

 

Oh - you want *the* Bohemian/artist look?


http://www.volvoamazon.dk/
Click on "Historie" - The wagon is THE ultimate Volvo for the
college student who is looking to make connections.

http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?ViewItem&category=6458&item=2472550176
Sedan. Cute.

http://www.grmotorsports.com/volvo122s.html
The same thing in racing form

http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?ViewItem&category=6458&item=2472238079
I had one of these. Same color, same year. Twice as good condition,
though. Excellent little car. Okay - it was a heavy gas-guzzling
160HP beast. Fast, though, and everyone stopped me to ask what
in the world it was.

The 1975 164E was basically a 240 with 164 sheetmetal and the bigger
inline 6 engine - the best of both worlds. They only made *two*
wagons, though, as prototypes.

And everyone's favorite:
http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?ViewItem&category=6458&item=2471543864
Volvo made nice cars back then.

 

B.S. Like I've said - I'm on kid number 4. With two of them now, the
insurance price to buy an old car and insure the kid on it was less than
just the cost of adding the kid to my policy. Calling me names is not going
to change the numbers on my insurance bills and checks.

And a new Rolls is always going to cost more than a ten year old Impala.
Your statement that its not the car is just plain wrong. Its both the car
and the driver, not just one or the other, and the OP was commenting on why
a Civic would cost more to insure. Where did this 35 year old come from?

???

 

B.S. Like I've said - I'm on kid number 4. With two of them now, the

I did a comparison at www.esurance.com and it was LOWER to add the 17 year old
to an adult's policy! If you aren't such a thickheaded moron, I dare you to do
the same.

That wasn't my point, idioto. I'm saying no matter how responsible the 17 year
old might be, he'll ALWAYS be a higher risk than an average adult.

D - U - H !



How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out