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Ole Miss Fan
Locker Room
Member since Sep 2010
8262 posts

Teenager Car Insurance Sticker Shock
My daughter just turned 16. Got her a Toyota Rav4 in the most basic configuration. A $25k car. Was planning on getting used, but the used car market is bonkers. Made more sense to get her a new one. Plus, I found a 2020 that was $3500 less than the 2021s on the lot.

Anyhow, I scanned her license and the Vin code into my Geico app (Pretty cool technology) and they sent me a quote to add her onto my policy.

$350 a month. WTF? Obviously I am going to shop this around. But it was more than double what I thought it would be. The insurance on my truck is $65 a month FFS.

Anyhow, I just had to vent. And: subtle can afford a car brag.

Also, I hope all trial lawyers on the planet get Ebola and shite themselves to death. I cannot get over the fact that most of this money is going to pay for those shite bags


broadhead
Member since Oct 2014
1166 posts

re: Teenager Car Insurance Sticker Shock
Have you been living under a rock? Teenager car insurance is nuts.


dyslexiateechur
LSU Fan
Baton Rouge
Member since Jan 2009
24114 posts

re: Teenager Car Insurance Sticker Shock
I was paying $780/mo at one point for 3 cars with a teenager on my policy.


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210
Hangover Haven
LSU Fan
Metry
Member since Oct 2013
16549 posts

re: Teenager Car Insurance Sticker Shock
quote:

My daughter just turned 16


This should answer your question...

I had to pay 233 a month with a Toyota Supra 38 years ago..

Deal was, If my parents bought me a car, I had to get a job and pay the insurance....Made me a more responsible person.

I hope the car is in her name, for your sake.
This post was edited on 11/25 at 9:32 am


LordSaintly
New Orleans Saints Fan
Member since Dec 2005
33674 posts

re: Teenager Car Insurance Sticker Shock
Teenagers are high risk. It’s worse if you’re in Louisiana.


UltimaParadox
Alabama Fan
Huntsville
Member since Nov 2008
19309 posts

re: Teenager Car Insurance Sticker Shock
A new car with a 16 year old.. I mean yeah


tigeraddict
LSU Fan
Baton Rouge
Member since Mar 2007
8885 posts

re: Teenager Car Insurance Sticker Shock
If Louisiana that’s correct

Just finished helping my daughter get hers. (Used 2009 Corolla) $300ish/month

U are paying more for new



Rando
USA Fan
When IPs were Visible
Member since Apr 2015
20845 posts

re: Teenager Car Insurance Sticker Shock
Given she's going to total it in the next 4 months... 350 is a good deal.


GetCocky11
South Carolina Fan
Arlen, TX
Member since Oct 2012
41285 posts

re: Teenager Car Insurance Sticker Shock
Buying a 16 year old a brand new crossover.

Damn.


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721
Muthsera
Florida Fan
Member since Jun 2017
6279 posts

re: Teenager Car Insurance Sticker Shock
quote:

My daughter just turned 16. Got her a Toyota Rav4 in the most basic configuration. A $25k car. Was planning on getting used, but the used car market is bonkers. Made more sense to get her a new one. Plus, I found a 2020 that was $3500 less than the 2021s on the lot.


Dude there's a million used Rav4s.

You could have saved 5k (a years worth of insurance) and got her one with more safety features and AWD.

I just bought a 2017 XLE with 25k miles for 20k.
This post was edited on 11/25 at 9:28 am


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351
LEASTBAY
LSU Fan
Member since Aug 2007
9146 posts
 Online 

re: Teenager Car Insurance Sticker Shock
Should have got her 15 year old beater with liability. Doubt you'll find insurance any cheaper.


tgrmeat
Member since Sep 2020
307 posts

re: Teenager Car Insurance Sticker Shock
I paid close to that for a 16 year old boy with all the good grade, drivers ed discounts and for a 2008 F-150. You might get it a little cheaper by shopping it but I suspect it won't be significantly less.


VermilionTiger
LSU Fan
Member since Dec 2012
32204 posts
 Online 

re: Teenager Car Insurance Sticker Shock
Are you stupid?

You don’t let a 16 year old drive a new car. First, it’s idiotic to begin with. But the insurance is unbelievable


tigeraddict
LSU Fan
Baton Rouge
Member since Mar 2007
8885 posts

re: Teenager Car Insurance Sticker Shock
quote:


Given she's going to total it in the next 4 months... 350 is a good deal.



Took my daughter 6 weeks to total hers. She bought the car and paid her own insurance. Policy in her own name.


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121
UncleRuckus
LSU Fan
Member since Feb 2013
5582 posts

re: Teenager Car Insurance Sticker Shock
Buying a 16 year old a new car is crazy. That things gonna get dented up


GetCocky11
South Carolina Fan
Arlen, TX
Member since Oct 2012
41285 posts

re: Teenager Car Insurance Sticker Shock
quote:

Should have got her 15 year old beater with liability.


I just found a 2010 Corolla with 57,000 miles for $9,000. That is the car for a 16 year old.

Sorry OP, don't mean to pile on you. Hopefully one day, I can make an OT baller salary and do something like what you did.
This post was edited on 11/25 at 9:32 am


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270
Louie
LSU Fan
Jonesboro, GA
Member since Jun 2006
438 posts

re: Teenager Car Insurance Sticker Shock
Try USAA. If you can. I'm paying 657 monthly on 4 vehicles.


yellowfin
Chicago Cubs Fan
Coastal Bar
Member since May 2006
95129 posts

re: Teenager Car Insurance Sticker Shock
Teenagers wreck a lot, their insurance is going to cost more.


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70
Uptowner
LSU Fan
The OP
Member since Oct 2019
2030 posts

re: Teenager Car Insurance Sticker Shock
quote:

I cannot get over the fact that most of this money is going to pay for those shite bags


I bet more goes to pay for the ENDLESS series of cable TV ads for car insurance.


MMauler
Member since Jun 2013
12041 posts

re: Teenager Car Insurance Sticker Shock
quote:

I paid close to that for a 16 year old boy


Image: https://i.kym-cdn.com/photos/images/original/000/452/990/89f.gif


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