Camaro dreams possibly over.

D-Bomb
04-27-2009, 08:40 PM
So my aunt called about the insurance for me and it is:

$457 a month :cry:

I hope she's lying to me as a joke or the whoever she spoke to typed in Corvette and a 1000 HP.

I'm 16, a male, and its sports car, but thats still inane. Just when I thought I could really get it in a month or so,

How much are you paying in insurance (if you don't mind saying)?

dacook
04-27-2009, 09:54 PM
yikes.
Do you have any history of accidents or tickets?
If not you should be able to get a better rate than that.

gr8fl red!
04-27-2009, 09:56 PM
goget an OBMAMOBILE...

JasonD
04-27-2009, 09:58 PM
I would definitely get a second quote. There might be an error. Then again, if that was for the V8, consider the V6 version. You may be able to keep your dream alive and still have a lot of fun. 300+ hp is good for that!

I would also consider waiting and getting a quote later as most if not all insurance companies don't have complete data on the Camaro to get an accurate quote together yet.

ex-SS-ve
04-27-2009, 10:05 PM
definately shop around. took me a while to get with my carrier. but they are pretty much the best coverage in the u.s . currently paying 83$ a mth full coverage for the truck and z28 on one policy. and qouted my new 2SS/RS. was only like 28$ more a month to insure it. feel free to check them out the ins website is www.amica.com

King Moose SS
04-27-2009, 10:09 PM
tell your aunt to put the camaro under her name... if her record is perfect, then pay her the monthly payments

HAZ-Matt
04-27-2009, 10:11 PM
So for most cars the premiums are based on claims... so how do they create premiums for a car that isn't even out?

At any rate, before I turned 25 there was a huge difference in rates between the V8 and V6. But after that the difference was only like $1 per 6 months. Basically the problem is that young people by and large just cannot go very long with a very powerful car without making a bad decision that ends up in a wreck.

supernova1972
04-27-2009, 10:19 PM
How are you paying for a brand new car at 16 anyway? Let alone insurance?

camaroguy579
04-27-2009, 11:04 PM
Yea really, I don't see how you could afford the car in the first place.

alexss
04-27-2009, 11:09 PM
he must be a drug dealer.....






JK..:lol:

IOMega
04-27-2009, 11:16 PM
That seems like a crazy high amount! Try other agencies.

JINXED12
04-27-2009, 11:28 PM
If you can afford that car being 16 then you should be able to afford the insurance. But good luck.

flowmotion
04-28-2009, 03:32 AM
So for most cars the premiums are based on claims... so how do they create premiums for a car that isn't even out?
Let me guess. Some actuary pulled up the data on teenagers driving 15 year-old beater Camaros, and just extrapolated that out to a brand new $30K car.

At least some things never change. Insurance companies hated this car when I was in high-school too.

JeremyNYR
04-28-2009, 07:49 AM
When I was 17, I had an 89 Dodge Aries. I was my grandmothers, then my fathers, then I had to pay to get it roadworthy again. Unless you've been saving your money and working since you were 10 years old, you get no sympathy from me!

Bombhunter
04-28-2009, 07:59 AM
When I was 17, I had an 89 Dodge Aries. I was my grandmothers, then my fathers, then I had to pay to get it roadworthy again. Unless you've been saving your money and working since you were 10 years old, you get no sympathy from me!

LOL! x2! 89 Dodge Aries? Try an 83 Dodge Aries!

16 years old with 400+ horsepower.... no chance you get good rates with anyone. Insuring you would be like going to the zoo and giving all the monkeys loaded guns...

2010_5thgen
04-28-2009, 08:25 AM
when i was 18 and had my trans am, full coverage was 500 a month and i had 4 speeding tickets on my record.

speeding2fast2c
04-28-2009, 08:26 AM
Sorry buddy, I have to agree, I don't think you should have this car at the age of 16. You haven't earned having that nice of a car yet! And, chances are you will end up wrecking it with in the first year or less of owning it because you will do something stuipd trying to show off or just from being inexperienced! I can understand the passion of wanting this car, believe me!

Your first car should be something that you pay for 100%, and if it needs work or a little TLC, then that will show how responsible you are.

My first car was a 1990 Camaro that I bought USED and paid for it 100%. I had to put alot of work into that car to keep it running and looking good. I turned it into a project car in the first few years of college and put a new motor and trans in the car. I can't begin to tell you how much I learned from that car! I still have it.

2010_5thgen
04-28-2009, 08:37 AM
my very first car was a brand spankin new 1999 camaro v6. i dont really agree with your thinking^^^^^^^^^ when i have kids im going to give them the same perks i had when i was 16.

Camaro_Nut
04-28-2009, 08:40 AM
Also your location plays into the rates as well. I'm in the Military and moved from Idaho (low accidents) to Arkansas (high accidents) in 2007. My premium on 2 vehicles went from roughly $80 monthly to $190 monthly, because of 1 phone call to correct our mailing address. No tickets, claims or anything on my or my wifes' record.
:mad:

mfb_lt1birdman
04-28-2009, 08:44 AM
I know I would have hated all these old timers telling me not to get your dream car too but they offer some sound advice and reason, which you will probably ignore.

I truly congratulate you if you can even realistically think of affording this car now, but I find it unlikely. Hard for a 16 year old to bring in that kind of money. More than likely mom and dad will fit the bill and you will do something stupid and hurt the car, or yourself, or someone else, because until you truly have to work hard to get something you want, you can never truly respect it.

You are 16 with very little driving experience. Get a "beater" or even a so called nice beater, as I understand a 16 year old has an image to uphold. But get some experience driving for awhile. Maybe at around 18 if you are still in a good spot, then re-evaluate it again. People grow up alot from 16-18. 16 is just too damn young for a car like this.

And I won't even mention the better things to spend this kind of money on at this age, even though I just kind of did.

speeding2fast2c
04-28-2009, 08:48 AM
my very first car was a brand spankin new 1999 camaro v6. i dont really agree with your thinking^^^^^^^^^ when i have kids im going to give them the same perks i had when i was 16.

What, if you don't mind me asking, ever become of that 1999 v6 Camaro?

Ok, I'm on the fence on this topic I guess. Because I know I gained alot of having a car I had to work for and take care of in order to keep it in nice condition. I just feel there are to many young kids out there who's parents throw them the keys to a brand new car and those kids end up being the ones who don't take care of them or think it is expected to have a shiny new care to fit in. How do you teach responsibility and appreciation by just giving a 16 year kid what they want?

I mean, you might have been the exception to the rule, but I have a feeling you will find that one or more of your kids will not care to clean, service, etc the car that they should be "Responsible" for.

2010_5thgen
04-28-2009, 08:58 AM
the car was turned in on lease. and then i bought a 1999 trans am when i was 19. i paid it in full from the money i had saved over the 3 years of the camaro lease. i never had a wreck in either of the cars. i cleaned them up at least every weekend if not twice a week. i was very responsable. except for the fact of a few speeding tickets in the camaro. i was smart and never did any stupid stuff.

Bearcat Steve
04-28-2009, 09:33 AM
At age 16, you are FAR better off investing in education. It will pay itself back many times over in the future. Then you can get the car of your dreams.

JohnnyPappis
04-28-2009, 09:52 AM
At age 16, you are FAR better off investing in education. It will pay itself back many times over in the future. Then you can get the car of your dreams. Agreed and LS1 and LT1 cars are getting cheap! Besides man at 16 good luck trying to have cheap insurance on a camaro....Id say get a car start saving and before you know it you could have a nice 4th gen for now Im 24 And I cannot stress enough the importance of the choices you make....choose wisely! School will effect the rest of your life!

2010_5thgen
04-28-2009, 10:23 AM
i never went to college. i got a great job, make amazing money and have no school debt. yes choose wisely

speeding2fast2c
04-28-2009, 10:52 AM
I agree, choose wisely, that will efect the rest of your life. I did go to college and because of scholarships and working on a coop program in automotive, I was able to pay for all of my college and save money on top of that. I'm still going to college now to finish a Bachlors degree, and I am lucky to have a job that is currently paying for my college expenses.

There are alot of people out there, especially now a days, that have alot of really nice things, but what you don't see is that some of those people are caught up in materialism. They are behind on payments or struggling to make payments. Just because people have alot of expensive things doesn't mean they can afford to have those things.

I guess the point I'm trying to make is, is spending that kind of money at age sixteen really worth it right now. It might be better, like suggested above, to get something cheap now and save to get the nicer a little later. People are giving things away right now like house, boats, CARS, and I'm sure you can find a steal out there!!

I'm also 24 and I really want a new Camaro, but it has been a battle in my head to weather or not I should get one right now. Chances are I will in a year or two though, but I'm not SIXTEEN!

jg95z28
04-28-2009, 12:23 PM
FWIW, When I was 24 and had just graduated from college, I looked to getting a brand new Z/28 Camaro as my first "new" car (my previous cars, a 67 Chevelle and a 68 Camaro had been used). I looked into the insurance costs and even with my stellar driving record (just 2 tickets in 8 years) it was going to cost me over $400 a month on insurance... and that was 1989!

I ended up buying a cheaper to insure car, and waited until my 30th birthday to buy my new Camaro (as that was the next big insurance break).

If I were 16 today, I'd be looking for a nice clean 3rd or 4th gen Camaro, and start saving for college. :D

Bearcat Steve
04-28-2009, 01:08 PM
i never went to college. i got a great job, make amazing money and have no school debt. yes choose wisely

I agree that one can do well without going to college. Bill Gates didn't finish his degree at Harvard and the last time I checked, he was doing OK.

Investing in education does not necessarily mean college. It could mean investing in a trade school or a myriad of other options. One can be very successful without education. However, if one looks at the odds, there is a better chance for success if one does invest in education.

2010_5thgen
04-28-2009, 01:17 PM
yeah, but the one thing i have learned and i am a firm believer in, is that , college is not for everyone. i would never push someone to do schooling if they didnt want to, as long as they had their head in the right places and had a good plan. alot of my friends who did go to school, no have about 30grand in bills and probably will be paying for it for quite a while. me on the other hand, i graduated HS and started working and making money. no debt. the only debt i have now is a house that i bought when i was 19. my fiance went to a small college and graduated having 10-15 grand in loans. now 4 years after she graduated she is still paying the loans off. she makes just as much as i do, but she still has that debt. no one can really tell this kid what to do but they can just give good info. do what feels right to you. but remember when/if you get buyers remorse, its harder to return the car than it is anything else.

speeding2fast2c
04-28-2009, 02:15 PM
yeah, but the one thing i have learned and i am a firm believer in, is that , college is not for everyone. i would never push someone to do schooling if they didnt want to, as long as they had their head in the right places and had a good plan. alot of my friends who did go to school, no have about 30grand in bills and probably will be paying for it for quite a while. me on the other hand, i graduated HS and started working and making money. no debt. the only debt i have now is a house that i bought when i was 19. my fiance went to a small college and graduated having 10-15 grand in loans. now 4 years after she graduated she is still paying the loans off. she makes just as much as i do, but she still has that debt. no one can really tell this kid what to do but they can just give good info. do what feels right to you. but remember when/if you get buyers remorse, its harder to return the car than it is anything else.

Now there is not a word of that above that I do not agree with! That actually almost says it all.

2010_5thgen
04-28-2009, 02:48 PM
well thank you.

speeding2fast2c
04-28-2009, 04:01 PM
well thank you.

LOL:lol::D:lol:

nova
04-28-2009, 04:18 PM
At any rate, before I turned 25 there was a huge difference in rates between the V8 and V6. But after that the difference was only like $1 per 6 months. Basically the problem is that young people by and large just cannot go very long with a very powerful car without making a bad decision that ends up in a wreck.

Yep. Its all about statistical risk and statistically speaking, 16 yo kids with sports cars are risky.

In 1999 @ age 17 per month I paid nearly double for my '94 V6 Camaro what I currently pay for my nearly brand new truck PLUS my wife with her brand new car. :eek:

It makes me quite happy that I can actually afford the car and the insurance these days. :D

prophet33
04-28-2009, 04:22 PM
my guy quoted me around 160 a month wrecks arent on anymore n have no more tickets on my record not bad id say considering id only drive it half a year n this year it will only be 3 months

boxerperson
04-28-2009, 10:08 PM
Look into an older car. The issue isn't really how fast the vehicle is, because every vehicle sold is fast enough to kill you or others, but if you get a new camaro, every single person you know is going to be pushing you to do stupid things with it.

When I was 16 I purchased an 89 IROC-Z and was paying about 180 a month. I sold it, and somebody from my highschool bought it and wrapped it around a tree within a week. I went on to drop out of highschool, work full time, and purchased a '95 Mustang Cobra. Insurance was 320 a month, the same as the payments. After 2 years of that, I went back to an alternative highschool and got my diploma. I get my bachelors of science in psychology in a week and a half, and will be able to buy a new Camaro (though i will likely wait till the second year of their release, I don't buy first-year vehicles). I'm 25. Knowing what I know now, I probably shouldn't have been allowed to get either of those cars.

I'm originally from South Dakota, where the driving age is 14, so I already had 2 years of driving under my belt when I got the Camaro. I would never let my own kid have a car like that at that age, because it's a recipe for disaster. I've only had 1 speeding ticket in my life, but I sped all the time. People in your school will constantly be goading you to race. Regardless of how responsible you might think you are, you're going to give in, because that's what people buy a car like this for and everyone you know is going to be trying to get you to. Better to buy it when you're much more familiar with other drivers, and the places that you can let the car do what it's designed for. (and that, if you're wondering, would be deserted highway onramps and offramps, autocross courses and paid track days. NEVER when there's traffic and NEVER when there's another person doing it beside you).

supernova1972
04-28-2009, 10:28 PM
yeah, but the one thing i have learned and i am a firm believer in, is that , college is not for everyone. i would never push someone to do schooling if they didnt want to, as long as they had their head in the right places and had a good plan. alot of my friends who did go to school, no have about 30grand in bills and probably will be paying for it for quite a while. me on the other hand, i graduated HS and started working and making money. no debt. the only debt i have now is a house that i bought when i was 19. my fiance went to a small college and graduated having 10-15 grand in loans. now 4 years after she graduated she is still paying the loans off. she makes just as much as i do, but she still has that debt. no one can really tell this kid what to do but they can just give good info. do what feels right to you. but remember when/if you get buyers remorse, its harder to return the car than it is anything else.

Thats true. I went to college one year and knew it wasnt for me, now I make great money and love what i do...BUT a new SS at 16 is a haorrible idea. For one he cant be paying 100% for this car so he will never EVER respect it as much as if he worked his balls off for it. I dont care what he says, he never will. And two, while he may not wreck, having a new 430hp car, and teenage hormones with everyone telling him to go fast and do burnouts he is much more likely to do something bad with it. If he pays for it, sure whatever, he will learn, but still...terrible idea. I paid for and built my Nova with a 406 at 16 but luckily it still had a 3.08 open rear end for the first few months or I would have died.

whizkid89
04-29-2009, 01:18 AM
i'm 19 and i'm getting a 2010 Camaro a V6 tho cause the SS insurance would be to high and i'll be paying for the insurance and the note but i quoted my insurance and it was only 121 a month...and i'm in my first year of college good thing i have a scholarship plus the Camaro will be my first car now how cool is that!!!

guionM
04-29-2009, 06:15 AM
goget an OBMAMOBILE...

:confused: WTF????

guionM
04-29-2009, 06:34 AM
So my aunt called about the insurance for me and it is:

$457 a month :cry:

I hope she's lying to me as a joke or the whoever she spoke to typed in Corvette and a 1000 HP.

I'm 16, a male, and its sports car, but thats still inane. Just when I thought I could really get it in a month or so,

How much are you paying in insurance (if you don't mind saying)?

Hate to bust your bubble, not to mention the bearer of bad news or the resident killjoy or buzz-killer, but if you are a 16 year old male, that's your insurence rate.... and you should praise your lucky stars it isn't higher.

To be honest, and at the risk of being blunt about it, you shouldn't be in a brand new, 426 horsepower, 155 mph, 110 quarter mile maximum-on-a-bad-day Camaro as a 16 year old driver.

And...if you are able to cough up the money for a $25K plus V6 Camaro, then you should be able to pay the 400+ per month insurence.If you can not, there are plenty of low priced LS1 Camaros and Firebirds on the market that will enable you to afford insurence as a 16 year old.

Don't think you are the 1st person still in high school who has come here expecting to buy a brand new car, but then has problems with insurence. And I give the same answer... actually, throwing ice cold water on the idea while coming across as an unintended pr*ck is more like it.

The advice I always give is to work hard, save up, and wait till you you can actually afford it. Don't be like all these people who bought who bought these houses they couldn't afford.. or barely afford. Slightest little thing goes wrong, and they have to default. Same goes for stringing yourself out on car payments & insurence. If you can't afford it, then you can't afford it.

No shame, or insult. Just wait till you can afford it. :shrug:

95firehawk
04-29-2009, 08:06 AM
With the exception of a few posts most of these responses are crap. It's none of your business how or if he can afford this car. What's also garbage is how you prejudge his driving ability and overall mentality based on how you acted when you were 16. You have no idea who this kid is or what his situation may be. Let's stop being bitter because this kid is in a better scenario than you and just answer the question he asked. Responses like this are a surefire way of running people off this board.

speeding2fast2c
04-29-2009, 08:11 AM
I went on to drop out of highschool, work full time, and purchased a '95 Mustang Cobra.

See what happens when you drop out of school kids. You make mistakes like buying a Mustang!:lol::D;)

2010_5thgen
04-29-2009, 08:12 AM
you know a good way to get that insurance down? put the car under your dads name and make him the primary driver and have you as a secondary driver. my buddy did that on his 95 mustang gt. the insurance was cust more than in half. your still insured, but your not the main insured. even if you buy the car, i dont know how, but you can still do it this way. one question for you, if you dont mind me asking? How do you plan on making a 5-700 $ a month payment being 16?
i had a job when i was 16 but i was only making 3-600 a month and that was only part time after school.

JeremyNYR
04-29-2009, 08:46 AM
With the exception of a few posts most of these responses are crap. It's none of your business how or if he can afford this car. What's also garbage is how you prejudge his driving ability and overall mentality based on how you acted when you were 16. You have no idea who this kid is or what his situation may be. Let's stop being bitter because this kid is in a better scenario than you and just answer the question he asked. Responses like this are a surefire way of running people off this board.

As I mentioned earlier, I had an 89 dodge aries as a first car and of course I wanted a Camaro... so when I was 16, I would've thought this guy's scenareo was WAY better than mine! However, looking back on it 13 years later, I honestly believe the 89 dodge aries was the better scenario to be in. I learned how to take care of that car and keep it running. I also did the best I could to make it presentable. I scrubbed the carpets, recovered the sagging headliner, washed and waxed it, got new tires, battery, stereo, read the codes and replaced some basic parts. I didn't love it right away, but I sure learned to appreciate it.

My ideal situation probably would've been a 10 to 15 year old f-body that had a 305 and felt fast, but really wouldn't have killed me. A brand new f-body wouldn't have given me the same experience and lessons. That's the kind of perspective that is being offered here by many people. No 16 year old guy asks for that perspective, but maybe some of them can appreciate it when it is offered.

Bearcat Steve
04-29-2009, 09:10 AM
With the exception of a few posts most of these responses are crap. It's none of your business how or if he can afford this car. What's also garbage is how you prejudge his driving ability and overall mentality based on how you acted when you were 16. You have no idea who this kid is or what his situation may be. Let's stop being bitter because this kid is in a better scenario than you and just answer the question he asked. Responses like this are a surefire way of running people off this board.

Yup. You're right. Those of us with many decades of life experience should in no way try to impart any of the lessons we have picked up along the way in an effort to help the young man. What were we thinking?????????

JB22
04-29-2009, 09:30 AM
Theres a reason that the insurance is that high for a 16yr old unfortunately.

Stats are not exactly in your favor...

V8 + 16yr old does not usually equal favorable results for insurance companies.

biggrizzly
04-29-2009, 09:47 AM
I have read most of this thread, and while agree you are young. I also owned a brand new Camaro Z28 when I was 16, back in 1977. If you are actually mature, you might be able to get by without losing your license or life.

Anyhow, one thing that may come into play also is that you probably have no real credit established. I don't know your financial situation, but the insurance companies use credit scores to a bigger degree than a lot of people realize for computing your premiums. I know this seems unfair but it is fact. I don't know how much it actually impacts the premium, but it will.

Good Luck

IOMega
04-29-2009, 09:54 AM
Sorry to hear that man. I remember when I was 17 it was real hard to get affordable insurance. Wasn't until I turned 21 when it started to drop. What if you get insurance under your dad's name and be added as an authorized driver?

2010_5thgen
04-29-2009, 09:57 AM
Theres a reason that the insurance is that high for a 16yr old unfortunately.

Stats are not exactly in your favor...

V8 + 16yr old does not usually equal favorable results for insurance companies.

thats true. my v6 camaro, when i got it new in 1999 on my 16th b day, insurance was 200 a month. not cheap but it could have been much worse.

why doesnt this kid try for a v6 camaro instead of the ss. or maybe find a dealership that still has leasing options and see what leasing would be like. maybe that would put it more in his price range than purchasing.
there are still banks out there that lease american vehicles.

2010_5thgen
04-29-2009, 10:11 AM
i was getting curious and i called my insurance company about insuring my new ss. they told me for a 1,000 deductable - 454 a half, and for a 500 deductable - 525 a half. i was shocked! i thought it would be at least 200 a month. but less that 100 a month is AMAZING! ive also been clean of any tickets for over 3 years and i turned 26 this year so age helps alot. WOW! im still shocked its so cheap.

JeremyNYR
04-29-2009, 10:30 AM
thats true. my v6 camaro, when i got it new in 1999 on my 16th b day, insurance was 200 a month. not cheap but it could have been much worse.

why doesnt this kid try for a v6 camaro instead of the ss.


Actually, the original poster never said if the camaro he wanted to buy was a V6 or V8. With the V6 having over 300 HP, I don't think that has much impact though. this isn't like a 1988 V6 Camaro.

jg95z28
04-29-2009, 11:14 AM
Sometimes V6 or V8 doesn't make a difference, its the stigma the insurance companies put on all 16 year-old male drivers when it comes to insurance. When I went pricing insurance for my 16 year-old stepson the cost to insure him on a V6 95-96 Mustang was $1000 a year higher than the insurance on a comparably priced V8. So I bought him a 96 Mustang GT with a vortec supercharger. :p

I remember back in the day (1983) my folks wouldn't let me buy a car until I could afford my own insurance. I bought a 67 Chevelle Malibu for $600 and my insurance was $2200 a year... and that was just for liability.

95firehawk
04-29-2009, 01:03 PM
Yup. You're right. Those of us with many decades of life experience should in no way try to impart any of the lessons we have picked up along the way in an effort to help the young man. What were we thinking?????????

I'm sorry, I must have missed the part where you stated that you are the kid's father.:rolleyes: The lessons you have learned from your mistakes in no way apply to everybody.

2010_5thgen
04-29-2009, 01:09 PM
Actually, the original poster never said if the camaro he wanted to buy was a V6 or V8. With the V6 having over 300 HP, I don't think that has much impact though. this isn't like a 1988 V6 Camaro.
sure it does. it impacts the price of the car and the insurance cost.

2010_5thgen
04-29-2009, 01:12 PM
Sometimes V6 or V8 doesn't make a difference, its the stigma the insurance companies put on all 16 year-old male drivers when it comes to insurance. When I went pricing insurance for my 16 year-old stepson the cost to insure him on a V6 95-96 Mustang was $1000 a year higher than the insurance on a comparably priced V8. So I bought him a 96 Mustang GT with a vortec supercharger. :p

I remember back in the day (1983) my folks wouldn't let me buy a car until I could afford my own insurance. I bought a 67 Chevelle Malibu for $600 and my insurance was $2200 a year... and that was just for liability.

somehow you got lucky with that one. most people thats not the case though. 9 out of 10 times when there are a v6 and v8 model of a car and they are the exact same type of car, the v8 will be more expensive.

jg95z28
04-29-2009, 02:14 PM
somehow you got lucky with that one. most people thats not the case though. 9 out of 10 times when there are a v6 and v8 model of a car and they are the exact same type of car, the v8 will be more expensive.Luck had nothing to do with it. It was in fact AAA's actual rates (at least 7 years ago it was). I even questioned it with the agent who agreed and raised the issue with her supervisor who said that's what the data says it is.

The logical suggestion is that AAA must have far more claims by teenage males in V6 Mustangs than V8 Mustangs, and so the rates are applied accordingly. I guess what I'm saying is, one shouldn't assume that a V6 will always be more than a V8.

I will say this though when there isn't enough data on a vehicle (either too old, or too new) at least with AAA they look strictly at the purchase price of the vehicle. That could be the case with the 2010 Camaro (too new) and as the V6 is priced less than the V8, the rates would more than likely be priced accordingly.

Chrome383Z
04-29-2009, 02:22 PM
I smell a troll.

JeremyNYR
04-29-2009, 02:52 PM
sure it does. it impacts the price of the car and the insurance cost.

I meant that all statements pertaining to a 16 year old owning a brand new high-powered car still apply. The insurance quote he originally posted with was for whichever trim level he was planning to have bought for him... so the price is the price. I have no idea if it was a V6 or V8 price, and how much it would change if the engine were different. At this point, I suggest that we all stop arguing or even discussing the hypotheticals with eachother since even the original poster lost interest in the topic. He probably already moved on to trying to figure out how to get that hot girl in biology to text him a naughty picture of herself...

2010_5thgen
04-29-2009, 03:05 PM
Luck had nothing to do with it. It was in fact AAA's actual rates (at least 7 years ago it was). I even questioned it with the agent who agreed and raised the issue with her supervisor who said that's what the data says it is.

The logical suggestion is that AAA must have far more claims by teenage males in V6 Mustangs than V8 Mustangs, and so the rates are applied accordingly. I guess what I'm saying is, one shouldn't assume that a V6 will always be more than a V8.

I will say this though when there isn't enough data on a vehicle (either too old, or too new) at least with AAA they look strictly at the purchase price of the vehicle. That could be the case with the 2010 Camaro (too new) and as the V6 is priced less than the V8, the rates would more than likely be priced accordingly.
when i got my ins. quote, thats what they did was took the purchase price of the car and then gave me my quote. assuming i am not paying more than MSRP(which im not) when i take delivery.

Bearcat Steve
04-29-2009, 03:17 PM
I'm sorry, I must have missed the part where you stated that you are the kid's father.:rolleyes: The lessons you have learned from your mistakes in no way apply to everybody.

Even better. As a father, I can give absolute directives. As just an old guy on a message board, I can give advice. The young man is still free to make a decision of his own volition.

It appears to me that you are undervaluing the young man's ability to listen to other people and make a rational decision based on his own life knowledge and his current situation. My assumption is that he has that capability.

prophet33
04-29-2009, 04:58 PM
i say let him get what he wants n if hes willing to pay that much more power to him just dont get stupid on the throttle one little ticket n u wont have the car anymore

JasonD
04-29-2009, 04:59 PM
As a father myself, I learned the difference between guidance and criticism.

2010_5thgen
04-30-2009, 08:01 AM
i say let him get what he wants n if hes willing to pay that much more power to him just dont get stupid on the throttle one little ticket n u wont have the car anymore

that is true. when i had my camaro at 16, i got a ticket and lost my liscence for 3 months. the car was sitting for quite a while and i still had to pay for it. it sucked.

speeding2fast2c
04-30-2009, 08:05 AM
A little advice for D-Bomb, if you do end up getting a new Camaro (v6 or v8 whatever) check with your insurance company about a discount for good grades (that is if you have good grades in school).

I have to agree though, another really good idea if you are going to get a new Camaro, is put the insurance under your mother(1st) if not her then your Father(2nd choice) if not him then whoever else in your family. Point being is that you should not in anyway be the primary driver (even if you have all the money in the world at 16), because why would you really want to pay more money if you don't have to (again even if you had alot of money yourself).

As much as I don't think having a new 2010 Camaro (no matter v6 or v8) at age 16 is a good idea at all for many resons, I do know if I was in your shoes, I would be trying to get one anyway that i could. If you find a wat to get that car, all the more power to you, but remember "with great power, comes great responsibility."

And lastly....I think for alot of people here, even though they might not have mentioned it, don't want to see anyone wreck a Camaro (new or old). I'm not saying that you will, though as I mentioned in my other posts, the chances of that happening at age 16 is alot higher for many reasons then if you where a bit older.

2010_5thgen
04-30-2009, 08:12 AM
you know, being 16 and having a new car gives you alot of respect for the car. when i got mine i never abused it. always maintained it. always detailed it. it ws my pride and joy. and having something liek that definately keeps you out of trouble. you focus more of your time on the car and enjoying it than doing stupid stuff. hey if you can get the car, do it. it will be well worth it and it will make you a better person because it gives you alot of responsability.

speeding2fast2c
04-30-2009, 08:26 AM
you know, being 16 and having a new car gives you alot of respect for the car. when i got mine i never abused it. always maintained it. always detailed it. it ws my pride and joy. and having something liek that definately keeps you out of trouble. you focus more of your time on the car and enjoying it than doing stupid stuff. hey if you can get the car, do it. it will be well worth it and it will make you a better person because it gives you alot of responsability.


It's funny that at the begining of this post I didn't really agree with you at all, but as the posts go on, I pretty much completely agree with your point of view. Though I still think there is alot to learn by owning a fixer upper used car first, even if it doesn't need that much work.

2010_5thgen
04-30-2009, 10:19 AM
i think that depending on the car you get when you turn 16 depends on what course you enjoy with your car. if i had a fixer uper, i would be more into mechanical work and maintanance with the cars. but since my car was new, i was more into the detail and preservation of it. ever since that car i have done car detailing on the side and i love doing it.im actually trying to build up my clientel more and i would like to do detailing full time. it just depends on the car you get as to which path you take in the automotive world.

speeding2fast2c
04-30-2009, 10:39 AM
Yeah I have really gotten away from having to do all of the maintenance/repair type work, just because it is time consuming and a project never seems to go as perfectly planned as you had hoped. Every project seems to have a minor little issue that makes it take twice as long as you had hoped.

I have also really enjoyed the detailing now as well. I really enjoy detailing friends and family members cars because of the reaction that you get from them. People don't realize how easy it can be to make a car look really good compared to just ok. All it is is a little attention to detail (probably why they call it detailing, duh) and a little more time and effort.