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Discussion Starter #1
i recently got a huge speeding ticket (4 pts), and the only thing i can think of to cut down a little on the insurance bill would be to get a 10+ year old car. im 18, almost 19, so its really going to affect my insurance rate. trying to talk my dad into selling the pos cirrus im driving now, and my trep (just been sitting around). both are 99's, so that doesnt help me much. does anyone know any solid 97 models? i dont really want to get a 1st gen...but anything else on the market that you guys have had good experiences with? thanks in advance for the input!
 

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An older car won't affect your insurance rate much at all at your age and with your driving record. You could get an 87 Honda Civic and I bet your rate will be still just about has high as it will be with a 99 Trep.

Meaning, when insurance companies are determining rates, the value of the car being driven matters so very little in the whole equation. I mean, think about it. The worth of a 99 Trep is like $4000 and the value of an 87 Honda is like $1000 (just guesses). That's chump change compared to the medical bills that could occur when you get into an accident tens, if not hundreds, of thousands of dollars.

If you don't believe me, go to a site like Progressive.com and do yourself for a 99 Trep and then whatever other car you're considering. I bet there's hardly gonna be a difference, assuming that you'll be insuring both cars equally.
 

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^^^^^^^^^^
What smc1377 said! Trust me..... my rates were NUTS when I was 18...... and I had a MINIVAN! They barely went up at all when I got the Intrepid at age 20.
 

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i think when u hit 25 or 26 yrs old rates drop. what i would do i fight the ticket. go to the court and see if they can drop it to a parking ticket BUT pay for the speeder. thank god they did that for me. i think i paid like $120 for speeding but no points went on my record cause they made it a parking ticket. since then (2000) havent speeded and no more tickets. KNOCK ON WOOD
 

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stroise said:
i think when u hit 25 or 26 yrs old rates drop. what i would do i fight the ticket. go to the court and see if they can drop it to a parking ticket BUT pay for the speeder. thank god they did that for me. i think i paid like $120 for speeding but no points went on my record cause they made it a parking ticket. since then (2000) havent speeded and no more tickets. KNOCK ON WOOD
Its 25....I turned 25 in October of last year. Before then, my rates were $1100 every 6 months (!) for full coverage on the Special. After I turned 25, it dropped to roughly $600 every 6 months.
 

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Good luck on that one Hasan, as you know insurance in MI is very expensive.

I am assuming you would only put PLPD (liability only) on the car, that could save you.

Also at your age your parents can insure the car and list you as a part time driver.
 

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the only way you may get a break is if you don't have collision insurance on your vehicle and just take out liability isnurance.

Another way to get cheaper rates, get married.
 

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What I did for my two kids both 17 now, was I did not put the car in their name. Put the car in my name and one in my wife name. Then just add a driver to the policy. 2001 Pontiac Sunfire full coverage $97 a month. 2005 Chrysler Sebring 4 door full coverage 125 a month. This is with All State.
 

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Discussion Starter #10
blah...so you dont think that getting an older car with the PLPD insurance wouldnt make a huge difference? if it did, and the point of the thread i had in mind, what do you think is a good car from 97 that shouldnt be to expensive?
 
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well, you said you didnt like them in my thread, but my 97 Taurus is a great car and gets damn good gas mileage
they are cheap to buy and cheap to fix, plus there are parts for them EVERYWHERE
 

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LebanonsFinest said:
blah...so you dont think that getting an older car with the PLPD insurance wouldnt make a huge difference? if it did, and the point of the thread i had in mind, what do you think is a good car from 97 that shouldnt be to expensive?
My insurance went down $8 a month when I went from an 1984 car to the 97 trep (at age 19). So your best bet would probably just stick with what u got.
 
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Discussion Starter #13
blah! never a taurus!! :p like i said, i just had a really really bad experience with a sable, and id rather kill myself and save the trouble of eventually dieing in that pos car. but good luck to you and your taurus, i hope its more mechanically sound than my sable was. :)

and damn, i really dont understand insurance. i thought it was a fact that anything 10 yrs or older would be significantly cheaper than a new car. damnit.
 

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sometimes it goes by driving experiance. new drivers go on assign risk insurance. also take defensive driving u will save up to 15% on insurance. its seperate from drivers ed from high school. defensive driving takes away some points on your record too. my grandpa is in the insurance business so he knows and tells me. Im paying $1100 a yr for my 95 corde with full coverage includes everything from theft and fire. im 30 yrs old now clean liscense. they used to say getting any red car was a flag for higher insurance and cops stopped red cars alot. well that has stopped finally. i would look into the defensive driving. u have to take it every 3 yrs. in fact mine has been up and never had time to go. if i take it i get up to 15 percent off the liability. so i will save even more. also like i said before try to go down to the court and fight the ticket. Dont go down to the court like a well a wise ass. NOT THAT U R. just be calm about it and come up with a story and stick with it they might let u go. My neighbor is a cop and he says just be nice and u might get away with a parking ticket BUT PAY FOR THE SPEEDER. bring a lot of cash or a check. they dont take credit cards. bring over 200$ with u. may not be that high but in case. When i went into court my god a person drove past a stopped school bus with its red lights flashing. person had to pay $2000 for it. no joke. my jaw dropped. the law sucks big time but we have to obey them. good luck and let us know how it goes
 

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Reitterating what the others have said.
I had horrible car insurance payments up until the last 2 or 3 years, when I started to drive a lil more sane.
I had: '84 Ford Escort Wagon, '88 Plymouth Horizon, '96 Plymouth Breeze just to name a few, and I still had insanely high car insurance premiums. At one point it was a little over $200. per month!
It's not the cars you drive, it's how you drive them.
For me, 6 speeding tix, a reckless driving, 2 accidents, and others will get you severly bad rates in a jiffy!
If you raise your deductable, to say $1000., that may lower your rates more than switching cars.
 
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Yes grasshopper, creepy got it right.
In general...
Young drivers drive like ****, speed like ****, and wreck like ****. So you pay out the ASS for insurance because of it. And under 25 drivers keep proving the point year in, year out.

A more insurance friendly car isn't going to help. A more insurance friendly driving behavior is.

Not preaching - that's just the fax bro.
You might want to get a moped. And just so people don't think poorly of you, wear a shirt when you ride it that says "I'm not a drunk driver!... Just a bad one"
 

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Discussion Starter #17
-_-

im not a bad driver, i just got my hand caught in the cookie jar just like the rest of you guys except i had no idea i was going that fast (when i want to speed, i speed 5-10 over...never more). but wtv...i got dicked over on the ticket, like i said, i didnt get out of it, so im just trying to find a way to lower the insurance rates.
 

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I have to agree with what everybody else said about insurance. Liability is going to be the same no matter what you drive. That doesn't factor in the value of your car at all, it factors in the likelihood of you hurting or killnig somebody else and/or destroying their car. Liability on my R/T is the same as it was on my POS 97 cavalier. I'm currently paying $1200/6mos for full coverage on the trep.
 

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Discussion Starter #19
:( alright...well thank you all for the advice/new knowledge. +rep for all.
 

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It doesn't really sound like you got that bad of a speeding ticket.
Over here a "normal" speeding ticket is an automatic 4 pts. 20 mph and over it goes up to 5 or 6 pts. Also 20 mph over is not what you want showing up for your next car insurance review. Speeding 20 mph or more means you show intent to speed.
Also, go to court and try to get it reduced. Usually if you show up and take responsibility, they'll reduce the points, if your lucky also the fine.
 
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