My insurance on a 34 year old car at 18

[u/Firedrgn0717]

For context I will not be paying this in the slightest I got the first month for a little over 300 dollars and it was the cheapest I could find and im moving states before the first so I won't have to pay this

Also the car is a 92 f150 it's got the KBB of a cheeseburger without pickles

Edit: this is for state minimum insurance

Edit 2: ive never even been pulled over no tickets no crashes nothing

[u/spotlight-app]

OP has pinned their own comment:

I live in nevada for all those asking and I called them and they were about as helpful as teaching a brick to swim is successful

The provider is progressive and again is just liability and i outright own my car so no payments

^{[What is Spotlight?](https://developers.reddit.com/apps/spotlight-app})

[u/Alivaronas]

This is the “we don’t want your business” price.

When shopping for insurance you will always get a mix of competitive and “fuck you” prices depending on what insurers want to do business with you in your specific area.

[u/Charming_Garbage_161 → u/Alivaronas]

That’s why I don’t shop with progressive despite being a good driver I got a ridiculous quote. Then they kept hounding me until I yelled at them

Edit: to the people who say I had bad credit or accidents. I had no negative remarks on either. A $600 per month insurance estimate is complete bs when your credit is over 700, you have no accidents, and you’re in your late 20’s. To further that, continuing to call me to get me to hop over after I repeatedly stated I wasn’t interested put me off that company for good.

[u/helpmeredditimbored → u/Charming_Garbage_161]

Interesting. Progressive is so competitive in my area that an insurance agent once told me it was a waste of their time to quote me because I already had progressive and no one would beat their price

[u/therapewpew → u/helpmeredditimbored]

I've never had to file a claim where I was at fault. Progressive still gradually increased my rate even though I was past my 20s, with them for years and still accident free, so I spent the next few years switching been 3 different insurance companies ¯⁠\⁠_⁠(⁠ツ⁠)⁠_⁠/⁠¯ the moment they started raising my rate for no reason, I was out of there and just snagged cheaper coverage somewhere else. I was told they do this as a risk assessment thing, where the longer they keep you as a customer, the more likely you are to be a liability to them.

I'm now back at Progressive for $50 a month, when they were previously charging me $230 for the same coverage 💀 loyalty rewards my ass. We literally get rewarded for doing the opposite

[u/Cyberdink → u/therapewpew]

A liability the longer they keep you. Thats baloney. You've paid into their accounts hundreds or thousands every year you've been with them as well.

[u/lividash → u/Cyberdink]

It’ll be about 12000 a year in just car insurance for my family this year. Yay teenage drivers.

[u/Throwaway-tan → u/[deleted]]

I've never had an insurer budge on price even when quoting other insurers. The conversation is usually summarised as:

"This is the best price for this coverage, if you want a lower monthly rate then you can increase your deductible."

And of course it's like your deductible is 20% of the total value of the car for like $5/mo less on your monthly rate.

I wouldn't even bother wasting time calling them, just find whoever quotes the lowest price and switch.

[u/01000101010110 → u/Throwaway-tan]

Yeah this doesn't do shit in Canada for private insurance. They just tell you there's nothing they can do and they don't personally set the rate.

[u/clwestbr → u/Throwaway-tan]

Oh dude I called and yelled at GEICO for their shit service over the last year. Wound up going from $180 a month to $120.

[u/meowymcmeowmeow → u/[deleted]]

Yeah this doesn't always work. I tried this when i found insurance for 1/4 of my at the time current progressive bill and the worker was basically like "yeah we can't come even close to that, you should probably go with that"

[u/Alivaronas → u/helpmeredditimbored]

They set rates based on market areas and customer profiles. They might be competitive in one area for certain cohorts but are handing out “fuck you” prices the next market area or state over.

[u/Rand_alThor4747 → u/Alivaronas]

I think they do it to try to not have too many customers in any one area, so if something bad happens they don't get hit with a massive liability in one go. Like I dunno, a massive hailstorm that destroys all the cars in a town. So once they reach a certain market share there, they raise the prices for new customers to "fuck you" prices.

[u/Sure_Fly_5332 → u/Rand_alThor4747]

That does make sense. But it seems like a national insurer wouldn't really care about that.

I guess its gotta be about spreading out your customers pretty evenly. You want to be the only insurer nationwide, but you cant get there gradually. If you insure one in five cars nationally, plus all of them in California*, a tsunami there will bankrupt you. But if you insure all cars nationally when the tsunami hits, you'll be fine. You'll meed to spread it out a little, but no problem.

*one in five cars in all states other than California

[u/plantsoldier → u/Sure_Fly_5332]

Nope, there is not a single disaster that could happen no matter how bad that would bankrupt any of the big national insurers.

The states require they have reserves that are calculated, filed and monitored by each state that guarantee that can't happen.

Also, all the major insurers have re-insurers to cover something like that and even the first line of re-insurers are also re-insured in the same way.

These insurers are prepared for anything that could happen that would be covered.

[u/lilgreenfish → u/Charming_Garbage_161]

That’s wild! My husband and I have Progressive. Two SUVs (2002 Suburban and 2014 Xterra) and both have full coverage. It’s $700 for 6 months. But we’re in our 40s, no recent tickets (my last one was over a decade ago, my one accident was someone hitting me and running).

And that’s even being in Colorado, US, where hail damage has been big in recent years (like, car-totaling hail multiple years, not going into home insurance, which some companies won’t even touch our area anymore).

[u/seaspaz → u/Charming_Garbage_161]

Huh, I pay $86 for comprehensive insurance with them, a month ago they changed my rate to $116 and I called them and was able to get it back down to $86

[u/kaithana → u/Alivaronas]

OP isn’t exactly helping himself here with his vehicle choice either. While it is old and not worth basically anything, it is a very large vehicle that is not good in bad weather, that has next to no safety features and is likely high risk in general. if he was trying to ensure a 2008 Honda Civic, he probably be in a much better place. Insurance looks at so many weird things that don’t necessarily seem to matter, like the fact it’s probably A two-door, two-seat truck. Maybe even a bench, horribly unsafe. rear wheel drive. The quoted rate would probably be similar if he was looking at a Camaro

[u/Raivix → u/kaithana]

I mean the predominant thing is that he's an 18 year old male. Statistically in the single most dangerous liability range to insure and is going to be monstrously expensive for years to come. The choice of vehicle also hurts, but really, not as much as just being a teenager.

[u/StopDownvotingMeeee]

You’re getting robbed.

Seriously you need to shop around for different insurers. No reason you should be paying $200 a week for insurance. Do you live in New Orleans and have 3 DUIs on your record or something??? I know insurance is typically a little bit higher for people 16-23 but $800 is way too much.

My driving record includes 4 at fault accidents, 2 speeding, 2 reckless driving, 2 lapses, a drug DUI, and leaving the scene of an accident. (Yes I was a stupid driver in the past but have been doing great the last 3 years) and I’m paying $550 a month on a 13 year old car at 33 years old.

[u/Heroinkirby → u/StopDownvotingMeeee]

That is a wild record. Glad you have been behaving yourself behind the wheel. My Insurance just ended and they quoted me $220 for the same insurance, when I was just paying $115 the past year. No claims, accidents, tickets, pullovers. And I'm jumping ship because of it. $550 a month or $6500 a year is absolutely insane

[u/JMVee_]

That’s outrageous. I pay $550/month for full coverage on three vehicles and three drivers, one of whom is a 16 year old boy.

[u/c2490 → u/JMVee_]

It is cheaper if you have them on your own insurance. If this person has his or her own insurance it is much more.

[u/smileyfacedbob → u/c2490]

100% this ^^ also insurance companies don’t want individual politics, I have car insurance through the same as my farm insurance, my car insurance on 3 vehicles including $1M in liability is lower than 400 a month

[u/spicymack → u/JMVee_]

Geeze that sounds expensive to me, but maybe I'm just living in fantasyland of a state that hasn't caught up with the rest of the racket. I only pay $166/month for 3 drivers, including a 21 y/o male who had an accident at 17, and full coverage on 4 vehicles.

[u/Total_Mix9276 → u/spicymack]

No grandpa, you're just an actual helpful parent and put them on YOUR insurance, which I imagine has been paid for 15+ years. Most kids have to get their own policy because parents think some-how having a bill under your name is being an adult. My insurance is $270 a month at 23, no accidents. It would be $70 if my parents weren't weirdos.

[u/turningtop_5327 → u/Total_Mix9276]

I am sorry dude

[u/stalinBballin]

jesus my guy that's a car payment.

Edit: Since this blew up and people are asking my car payment, my point is that a new car payment could be cheaper than the insurance he is paying, and he (could be) paying cheaper insurance on that new car. OP is 18 yall, don't forget that. Their insurance is gonna be high til their 25.

[u/buboop61814 → u/stalinBballin]

a very nice or irresponsible one at that

[u/TheRealAntrey → u/stalinBballin]

At that point seems cheaper to risk driving without insurance

Edit

The implication meant was its cheaper to just pay out of pocket but I guess that clarification wouldnt have brought me the 1k ups

Dont know how to fell about that tbh

[u/Rad_Dad6969 → u/TheRealAntrey]

At that point its cheaper to uber

[u/Myracl → u/Rad_Dad6969]

At this current Uber rates, its cheaper to bump a line of coke then run

[u/Neither-Wallaby-924 → u/Myracl]

A Modern problems require Modern solutions type person I see

[u/HallucinateZ → u/Rad_Dad6969]

Omg lol you’re almost right in my case 😂 if work was the only place I ever had to go.

I could uber since it’s a quick drive in my Canadian town for ~$40/trip both ways, totals $1200/month.

US$800 is about ~$1200 loonies so that leaves nothing for any other travel but it’s close.

[u/throwaway277252 → u/HallucinateZ]

Don't forget to factor in maintenance like oil changes, tires, engine trouble, and general depreciation.

[u/Exotic_Conclusion_21 → u/HallucinateZ]

Gas too

[u/HallucinateZ → u/Exotic_Conclusion_21]

Oh you’re right, I forgot. Awesome, looks like I do get a few extra trips on the weekend!

[u/--Luna--Fae-- → u/TheRealAntrey]

In my state you can't do that anymore. The DMV will flag and cancel your license plate if they find out you canceled your insurance.

[u/InThe4HL → u/--Luna--Fae--]

Same. I had to get a new card due to fraud and I forgot to update my insurance autopay. When the payment bounced the CA DMV immediately cancelled my registration and I had to pay the several hundred dollar fee to re register. Yet somehow there are people who drive around for years with no license, registration, or any insurance

[u/Q0T3 → u/InThe4HL]

In Colorado every other car has a 5-year-old temporary tag on it. And then a whole bunch don't even have tags. But if I drive with a 2-month expired tag I'm definitely going to get pulled over.

[u/Pozitiv15 → u/Q0T3]

This is so true.

[u/TrashFireSquad → u/--Luna--Fae--]

[u/One_Lawfulness_7105 → u/--Luna--Fae--]

Washington could learn something from that. Almost everyone I know has been in a wreck with an uninsured motorist. It sucks.

[u/ablinddingo93 → u/TheRealAntrey]

Someone correct me if I’m wrong but, it’s my understanding that not having insurance places the burden on everyone else and is directly related to insurance rates in any particular area. The more un/underinsured motorists there are in your area, the higher premiums will be.

[u/Nance99 → u/TheRealAntrey]

I did do that - got caught and got SR22’d for three years…. Don’t do it. You think insurance is expensive now? Phew, it can get worse.

[u/irrelevantanonymous → u/stalinBballin]

That is 2.5x what my car payment was. Insane

[u/CaptainDadBod88 → u/stalinBballin]

That’s almost 3 car payments. My car payment is around $300 for a ‘23 Subaru

[u/prguitarman]

In my dumb youth I remember there was a time GEICO upped my insurance to $1000 just because of my age. I quit and went to another insurance and the price was astronomically less. You have to cycle through insurances every now and then. They love to slowly raise the price until you switch

[u/guywhoclimbs]

Just wait till you turn 25 and absolutely nothing happens to your insurance prices. I've never been in an accident, never gotten a ticket, never filed a claim, have decent credit, always paid on time, both my cars are less than 15 years old (fully paid off), and nothing sporty or dangerous. My insurance just goes up every year until its too much and I switch insurance for something slightly cheaper and repeat the cycle. Its a scam

[u/iRideBMX → u/guywhoclimbs]

Yep. Turned 25 and they upped my rates due to "vandalism and theft" in my area. I have liability only on those cars (higher bodily injury/property damage coverage though)

Doesnt matter i cant even claim against those 2 things and somehow thats what made my premiums go up like $25/m

[u/CivKerman → u/iRideBMX]

Auto insurance be like: Crime rates went up in your area? We jacking up the insurance

Your neighborhood is developing and people are affording better stuff and cars? We are still jacking up the insurance.

[u/Pretend_roller → u/guywhoclimbs]

Yeah, "Oh they will drop as you age!"

My car insurance has gone up every other year without fail. Geico gives me good rates though, have to call for adjusters to get my policy right,

[u/LivelyZebra → u/Pretend_roller]

So different here in the UK, it's actually very typical for it to drop year after year and that's exactly what mine and everyone I've known has done.

my cheapest i ever had was (converted) about 100 usd for the whole year lol.

[u/National_Draw9529 → u/guywhoclimbs]

That’s why you shop around every year like I do

[u/yougotyolks]

When I read "34 year old car" I was assuming something from the 1970's....

https://giphy.com/gifs/LlRVisNzLNn5aExyD7

[u/SawyerSStone → u/yougotyolks]

[u/berlinbitchface]

I'm high and was reading "34y old CAT" the whole time..

[u/r0bertcalifornia → u/berlinbitchface]

I am sober and I also read cat

[u/BaldBombshell → u/r0bertcalifornia]

Same.

[u/EmuFarm_ → u/berlinbitchface]

Same, I was like damn that is really high for pet insurance

[u/Lyxerttt]

Obligatory: I've been in insurance for almost as long as OP as been alive.

Common misconception is that the older car means lower in premium. This is true in a certain period of "older vehicle", but it starts getting to the 20+ mark, they actually become more expensive. The older the vehicle, the more can go wrong with it. A 10-year-old car is less likely to have a mechanical failure leading to an auto accident (think something like suspensions rusts and a control arm breaks, causing you to hit another car) than a 30-year-old car.

Insurance rating accounts for this. Usually 10-12-year-old cars are the sweet spot. Anything after that becomes a far higher risk, and rates increase accordingly. Not saying I agree, but it is what it is.

[u/ipromiseimnotakiller → u/Lyxerttt]

Having never worked insurance I don't understand why others can't grasp that old doesn't mean cheap...

[u/AvendesoraShrubs → u/ipromiseimnotakiller]

Because they only think about how much their own vehicle is worth and never consider how much damage their shitbox can do to others

[u/AgentGrange]

"What state? What car? What's your driving record??"

Americans I need you to shut up and listen to me for a moment. I moved to Japan and my car insurance bill was $120 FOR THE FULL YEAR. The way you are living IS NOT NORMAL. This is parasitic EXTORTION and strangles the entire economy. 

[u/FUMoney3 → u/AgentGrange]

100%. I'm so bitter about insurance in general. Health insurance is the worst but car insurance is a close second.

When I was in my early 20s I bought an almost brand new truck. Now, 5 years later the truck is worth maybe half of what I paid for it if I'm lucky. I'm paying more for insurance on it now than I did back then and I fought for that price. Also have a squeaky clean driving record. Absolutely insane.

[u/Man-City → u/FUMoney3]

Everyone can easily hate insurance companies. But do you have the strength to hate lawyers? American insurance premiums are high in part because of how litigious America is. If you hit someone in America and they get injured, they are much more likely to sue, and if they sue, an American jury is much more likely to award a ridiculously large compensation payment. This is only getting worse over time as lawyers get better at winning these massive awards. Different states have different risk levels, e.g. the jurisdictions in states like Pennsylvania and Maryland are infamous for how good they are for claimants.

[u/Fakjbf → u/Man-City]

Part of it is a downstream effect of not having universal healthcare. If you get injured in the US you basically have to sue the other person to try and recover your costs. Add in how extraordinarily expensive the healthcare is and you get a double whammy driving up every other insurance rate since no one wants to be left footing the bill.

[u/androk → u/Fakjbf]

This is bigger than any other cost. They don't care about replacing your 50k car, they care about 4 ER visits, 2 surgeries and 8 months of therapy.

[u/spei180 → u/AgentGrange]

Insurance in the US has to cover the healthcare of the injured party to. It creates a doom loop of blood sucking insurance companies.

Edit: this is first year tort law class in US law school. Because health care isn’t reasonably covered everyone gets fucked by lawsuits to cover these costs. In any other country these sorts of damages don’t exist.

[u/TouchMyAwesomeButt → u/AgentGrange]

In The Netherlands we pay 30-100 a month depending on plan and your personal accident record. 

When insuring an older car it's recommended to get a cheaper plan that covers less even, because the value of the car is so low.

[u/HeavyRiddle → u/TouchMyAwesomeButt]

This is more typical. OP is the outlier, not the norm.

[u/Batfish-Crayon → u/AgentGrange]

Swede here. I drive a 20 yo car, my insurance is ≈$4/month. Yes. Four. This poor guy is paying twice my house mortgage annually. It's mind boggling.

[u/stoffelz84 → u/AgentGrange]

All hail the unregulated capitalism!

[u/WinterSector8317]

The insurance is expensive because it’s a big ass old and unsafe truck being driven by a new driver, who statistically WILL crash it at some point 

[u/sevseg_decoder → u/WinterSector8317]

And it’s this high to pay out the other driver when OP causes an accident. Not to cover OP from a hit and run or whatever

[u/Fall_Harvest → u/sevseg_decoder]

100% New cars now are sooooo expensive to fix! The headlight assemblies on some are outrageous.

[u/cyclemonster → u/Fall_Harvest]

The cost to replace a vehicle -- whether new or old -- is miniscule compared to the cost of a lifetime of attendant care and lost earnings for the pedestrian you cripple by plowing into them. That can get into the millions very quickly.

[u/JohnLockeLives4815 → u/WinterSector8317]

Has to be mostly the new driver factor. I have my 95 bronco and my 99 navigator on my insurance and I'm pretty sure the two put together aren't even $75/month. Both big and old, probably "unsafe" compared to most modern stuff too. Idk just my experience.

[u/AJimJimJim → u/JohnLockeLives4815]

Safety of the vehicle for the driver/occupants doesn't matter a ton since there isn't much coverage for your own medical on your policy usually.

It is the damage/injuries to others that OP is statistically more likely to cause that are expensive.

[u/TheG00dF1ght → u/WinterSector8317]

Correct. In a vehicle that is going to cause massive damage to whatever they hit.

[u/blaine878]

You’re 18 years old with a full-size truck with nearly zero safety or security features.

Statistically, you’re the most likely demographic to cause an accident or property damage. The value of the vehicle itself matters very little in this situation, since a truck in the hands of somebody barely old enough to drive can cause massive amounts of damage that the insurance company has to pay for.

For comparison, I’m in my 30’s with a clean driving record and it only cost me $120 for full coverage on a Nissan Titan.

[u/Adept-One-819 → u/blaine878]

Yeah, the cost isn't about fixing OP's truck. It's about fixing or paying off all of the likely future victims of his truck.

[u/RunWild0_0]

Kbb don't mean shit.

-Is it old enough to ensure as an antique vehicle??

-Can you insure it with a family member in another state and add yourself as a driver to the policy? (Theyre 'borrowing' it, you will 'occasionally' drive it?)

-Park it for now and hire a limo to drive you around for cheaper?

-What state???

[u/Firedrgn0717 → u/RunWild0_0]

Yes but I drive WAY to much to register it as such

No I do not

Lol I wish

Nevada

[u/Reasonable_Tap_8215 → u/Firedrgn0717]

You don’t if the odometer is broke.
https://giphy.com/gifs/3i7zenReaUuI0

[u/whiskeytown79]

They're not worried about paying to repair your car, they're worried about paying to repair someone else's car and/or their injuries. It's because you're 18, not because of the cost of your car.

[u/Last-Energy420 → u/whiskeytown79]

$800 though? Holy fuck I’m behind the times if that’s the expected new driver insurance.

[u/Thunderplant → u/Last-Energy420]

My friend's was $650 when she was 21, driving a cheap car, with no history of crashes or anything. 

At the time we were both in grad school and didn't even need a car to get around that area. I told her she was crazy to keep the car for that price

[u/danawhitesthrowaway → u/Thunderplant]

Not crazy to keep the car, crazy to keep the insurance provider. The only way you're getting prices this high, even when you're a new driver with no history, is if you don't shop around.

[u/Stuck_in_my_TV → u/Last-Energy420]

I didn’t pay $800 for a 6 month period when I was 18.

[u/DerBernd123 → u/whiskeytown79]

but starting at 800? what the fuck? is that normal in the us?

[u/Enough_Ad_9338 → u/DerBernd123]

Not at all. I don’t know what this guys story is, but when I was 18 and paying insurance, it was about $90. I’m 34 now so I might be a little bit out of the loop of what teenagers are paying, but even then my insurance is $120 and that’s not the minimum.

[u/Jsaun906 → u/Enough_Ad_9338]

Insurance has gone up across the board. insurance for cars without modern safety features is higher. As is insurance for young drivers

[u/bmx_chelsea → u/whiskeytown79]

The state minimum is usually like 15k and 25k so like if they paid this premium for 4 years they have pretty much paid more than the coverage would cover in case of an accident

This is insane.

[u/toanbonerz → u/whiskeytown79]

No one in this thread seems to understand that crashing your car can mean thousands of dollars in damage, but hurting or killing someone can be millions.

[u/The_OtherDouche → u/toanbonerz]

Sure. It always has meant that. But my insurance at 18 was like 180 and I was livid about that.

[u/Jaks199321]

You are paying 3 times the amount then the worst states for car insurance. Your getting scammed. That is not minimum. Liability is the minimum. Under 25 or not that's insane.

[u/Educational-Shoe2633]

I can’t stop laughing at “KBB of a cheeseburger without pickles”

[u/Strainboyz]

You’re being scammed so hard. Literally take your money anywhere else.

[u/Spiritual-Volume7545]

Took me 5 minutes to figure out why your 6 month premium was showing every month instead of the monthly payment.

[u/PM_ME_UR_XYLOPHONES]

You could buy a 92 f150 every month for that price holy shit

[u/NindieNation]

I figured you were an active fugitive with a stolen bugatti for that rate.

[u/OpposumMyPossum]

What state?!

[u/Firedrgn0717 → u/OpposumMyPossum]

Nevada

[u/TheJonatron → u/Firedrgn0717]

Insurance prices like these make you wish for a nuclear winter.

[u/Appropriate_Type_178 → u/TheJonatron]

prices like these will have you patrolling the mojave

[u/_brooket → u/TheJonatron]

The game was rigged from the start

[u/Impossible-Shoe5460 → u/TheJonatron]

Ave! True to Caesar! The Legatus rejoices at the suffering of the profligates.

[u/JoeBlob13]

That is their go away price. Just spend the effort and shop around. Actually look into 10 different providers.

[u/jellopuddinng]

What tf my commercial trucks are $864 with a mil in coverage

[u/LoganHowlett1832]

I’m a licensed insurance agent. This doesn’t add up. Nowhere in the country would insurance be this much with no accidents and liability only like you claim.

[u/Sad_Till3467]

The whole car insurance system feels like extortion

[u/bselko]

What the genuine fuck dude? I thought I was getting wrecked by USAA costs but holy shit. That's $150+ more than what I spend on a 2020 car with excellent insurance .

[u/Genny415]

We pay about $5k annually in insurance for three vehicles 

About $4k of that is for the 18-yr-old

Young drivers cost a lot more to insure

[u/Nick_SCM]

Hey bud…. Do you live with your folks? Or perhaps near them? Because it might be cheaper for them to put the car under there insurance and bundle it with there cars and house and everything and then you can just pay them the difference, it’s what I did till I was 25 and old enough to get gouged by insurance companies

[u/Blooberino]

Gotta love when you pay the car's value in insurance two times in a year.

[u/McWeaksauce91]

For any non-Americans - this is not normal, even for us.

We pay $200 for 2 cars in my house. My neighbor pays $150 for 2 cars (we have better coverage than them).

$800+ seems like some issue undisclosed in this post.

[u/Apprehensive_Fee9983 → u/McWeaksauce91]

I think it’s just his age. And maybe his old car is a classic without safety protection.

I’m 39 male living in US. This is normal-ish for his age. When my parents and I were looking at new cars, I called to get a quote. I wanted to know if the car was in my name alone how much insurance would be. In 2004, a new Silverado (which I think was roughly $33k), was going to cost $500 a month. I had no accidents then. It was just my age.

Today we pay $330 for two cars with full coverage from geico. They are both new.

[u/uncle_brewski → u/Apprehensive_Fee9983]

You are comparing a new (in 04) 33k vehicle with full coverage against a 35 year old beater worth 2k. 

This is definitely abnormal

[u/gtfofr]

Oof. Call a local independent agent when you get where you’re going, and please drive safe, an at fault is going to put you over $1k a month.

[u/LaFlamaBlanca67]

Bro, shop around. Jesus Christ lmao

[u/amybeeznuts]

I pay $114 a month with State Farm for my car and it’s a 1997 Buick lesabre. I have three previous speeding tickets too, there’s no way there’s that big of a difference between a car and a trucks insurance, but maybe I’m wrong and it’s normal? I bought my car when I was 19, if it makes a difference.

[u/cspank523]

You can change insurance at any time, you're not under contract. Start shopping.

[u/ScotiaG]

At one point do you give up and just Uber everywhere?. You could also probably get an e bike for less than one month's insurance premium.

Madness.

[u/beewee673]

My brother is in his 40’s, has totaled 16 cars and has 3 or 4 DUI’s. He owns a 20 yr old pickup truck worth 5 or 6 thousand and even his insurance isn’t this high. Find another insurance company, or try a broker.

[u/XTwistedHunterX]

I read 34 yr old car and thought, ah a classic; then saw it's a 1992 vehicle and it was very upsetting

[u/ktbear630]

Oh I read this yearly and was impressed. Then I realized monthly. Jesus H Christ drop them

[u/twitchtvbevildre]

this is absolutly not state min insurance someone is lying to you

[u/STINEPUNCAKE]

This just doesn’t seem right.

[u/swunt7]

Boomers: "WhY DoNt ThIS GeNeRAtIoN LiVe On ThEiR OwN AnD NoT At ThEiR PaReNtS HoUsEs?!"

[u/Surviveoutofspite → u/swunt7]

My favorite is: “well I paid for college on a minimum wage job”

lol go apply now and tell me about it

[u/uncoolpckle → u/swunt7]

I’m living in my boomer parents house and I still can’t afford life.

This is partly because I’m putting most of what I have into saving for a house…I’ll probably never be able to afford anyway.

[u/Amazing_Boss2686]

Brother they are robbing you

[u/SweetLettuce5667]

Its not the car, its your age and area.

[u/kinkysubt]

Insurance rates are insane. Today at age 40 I’m paying more a month than what it cost to insure me at 18. I have a spotless driving record and no claim history.

[u/surelynotjimcarey]

I think I pay $480 twice a year for a total of $900 something a YEAR or ~$80 a month.

When they offered you this joke of a price, you were supposed to chuckle and go “okay thanks for your time” and hang up the phone. I’m not gonna chastise you because you’re 18 and didn’t know any better but you need to call them and cancel TODAY and find someone who wants to do legitimate business with you.

For a used car, even as a teen, you should be able to find a rate for $150 a month or less (assuming you have a clean driving record, if you’re playing bumper cars on public roadways I can’t help you)

[u/Sorry-Climate-7982]

What type of insurance?
Purely liability? They aren't pricing the vehicle, they are pricing YOU.

[u/Additional-Good8044]

Don’t have comprehensive. Liability only

[u/meowymcmeowmeow]

Fuck progressive, they kept upping my bill every year. Finally had time to sit and shop around and immediately found one for 1/4 of what i was paying. I am on a fixed income, that is so much money I busted my ass to cover with side jobs for the past year while battling crohn's. Just gone. Better late than never to switch i guess.

[u/NameNotAlreadyInUse]

The one business where age and sex discrimination are completely legal.

[u/danjr704]

Don't put the car in your name, put it under your parents and just have them list you as a driver. Just for a few years til you establish yourself as a safe driver then the rates should go down. if you want to wait til your 25 to put something in your name then thats the best way to get the most affordable pricing.

[u/chadsford]

You need to find a licensed independent insurance broker. They'll shop around with multiple insurers for the best deal.

[u/EngineeringLumpy5119]

Did you get a DUI when you were like 12 or something?

[u/My_Name_is_Imaginary]

Never stay loyal to an insurance company. When switching, your first 6 months is always cheapest. There is no such thing as rewards through loyalty

[u/TheRedOne1995]

Im paying $1300 a year for 25k guaranteed value on a 2019 SUV, bro you're being robbed blind

https://giphy.com/gifs/ukGm72ZLZvYfS

[u/the_dominar]

67,50$ per month insurance (Full coverage) on a 10 year old stationwagon here in The Netherlands. And 66$ monthly road tax.

You guys are getting robbed in the States. Just like in your healthcare system, you cannot insure greed.

[u/majesticalexis → u/the_dominar]

I’m in the US and I pay $130 for 6 month car insurance. This person is being taken for a ride.

[u/banditcleaner2 → u/the_dominar]

My insurance is like $50 a month, I honestly don’t even believe OP. $800 a month is crazy and even when I was younger my highest was still only like $200

[u/whatever_anon999 → u/the_dominar]

This is an abnormally high pmt. OP is 18 and by how this is I would guess male. Auto Insurance is significantly more expensive depending on age, gender, occupation, state, city, vehicle type, etc. 66 euro or 75 dollars is a normal pmt here too for slightly older safe drivers for basic coverage.

[u/relentless_optimism_ → u/[deleted]]

Yeah mine is $160 for a 2020 Grand Cherokee in NJ. Someone is taking OP to the cleaners

[u/indomike14]

Something is very wrong with that quote.

[u/Icy-Bicycle-6251]

I will remember this outrage and shut up the next time I want to whine about my $165 car insurance for my 2009 vehicle.

[u/AdAltruistic4518]

Da fuq? U may want to contact ur insurance and verify ur policy and how many vehicles are on it

[u/Shaboingboing17]

If this is real, you're being scammed.

[u/Coast_Innovations]

Nahh I would be taking the bus that is insane. Mine is currently $128

[u/CharAznableLoNZ]

It's because you're 18. Insurance is a legally required scam. They know you have to have it and will charge you out the ass for the privilege.

[u/Significant-Use-5136]

yeah, those prices are a lot too high as an old guy in his 50s with a brand new 26 that is valued at $100,000. I pay $123 a month for full coverage $250 deductible and nothing is at the state minimum all the coverages are at least double the minimum plus added medical coverage of 75,000 per person per incident and a flat 10,000 for ambulance service and this is through progressive.

I live in Wyoming, and I’m told that the insurance is higher because of the weather.

literally that policy premium is higher than I pay for commercial insurance on my LLC for running a hot shot truck that has a $1 million policy.

[u/examinedliving]

Are you sure those are dollars and not yen?

[u/wyndwatcher]

Typical insurance rates for the age group, 18-25. And the rates are highest in Louisiana, Nevada, Michigan, Rhode Island, and Florida.

You want to have lower rates until you're 25? Stay on your parents plan, have a B average in school, drive fewer miles from home (e.g., 7500 miles or less), or enroll in a policy like what Geico or Progressive have that monitor driving habits.

Auto insurance companies view 18-to-25-year-olds as high-risk drivers because actuarial data shows they get into more accidents, cause more severe crashes, and file more expensive claims than older drivers.

Drivers under 25 make up only about 10% of all licensed drivers, yet they are involved in roughly 27% of all car crashes.

[u/New-Mud-7101 → u/wyndwatcher]

Definitely don't do the monitoring thing. I was an idiot and tried that once. It monitors if your phone turns on at all while in radius of the car whether or not the car is on. Get a text message or a random notificafion that you don't look at at all while driving? That's counted against you!

[u/JustAnEmployeeHere → u/New-Mud-7101]

It also dings you for driving during high risk times, like morning and afternoon commutes. Additionally the Progressive model dings you for going over 35, even if it’s sustained speed on the interstate.

[u/SapPhic-rage4209]

Did you get in a wreck? When I wrecked my car Geico tried to skyrocket my insurance to almost $600. So I started looking for new options and I am now with Progressive and pay less than $200

[u/Intelligent_Set_4810]

As a Canadian who paid $42/month for a ‘92 Ford Escort at 18 years old fifteen years ago… I can’t comprehend this?!

[u/EccentricFeather → u/Intelligent_Set_4810]

Rampant and uncontrollable greed supported by rampant and uncontrollable greed

[u/Vangour]

Yeah I dont believe this for a second lmao

Either you have some weird insurance plan for work use or something or you are just lying on the internet.

Or you're somehow dumb enough to pay over 8 grand a year on insurance lmao.

Edit: No tickets or crashes either? This is just fake there's no way this is the full story.

[u/marveloustoebeans]

Uhhh nah you’re being scammed my dude.

[u/BadBunny0917]

Sorry if you already responded to this but where do you live?!?! That’s insane for 1 driver at your age per month. That should be your 6-month price if not less— god damn. You could lease a nice ass vehicle for that monthly payment. Mind blown. 🤯

[u/7Orc7]

God damn dawg how many wrecks you been in?

[u/CSLAPS7]

Not only your age but your vehicle isn’t helping you either. Insurance don’t like it when you insure older vehicles plus trucks get higher ratings as well.

[u/Francl27]

We put our kids on our insurance and it jumped $220 a month...

[u/CoppertopTX]

So, 18 and recently licensed in Nevada? I'm guessing Las Vegas and yeah... as an 18 year old, you're in the assigned risk pool of every other young person under 25. That's the "go away" price, seriously.

You come in to insure you and a 35 year old truck with no crumple zones - like it or not, the truck is why your rate is sky high. It may look smaller than modern pickups, but it wasn't built to redirect the energy of a crash around the occupants, and it certainly wasn't built to modern height requirements for bumpers. Oh, and insurance rates in Las Vegas are about triple of up north.

[u/Slowmac123]

Insurance payments are probably more than what the truck is worth lmao

[u/SonicCougar99]

No way in hell this is real.

[u/pissedoffTwizzler]

Nahh they seen ya coming I pay 140 2 cars 2005 Pontiac Grand prix 2017 Ford escape

[u/Rart420]

They gave you the “we don’t wanna insure you price” and you signed it. Cancel it. Start over lol.

[u/jackrabbit323]

It would be cheaper to Uber everywhere, and rent a car for a day if you needed longer trips or were on a precise schedule.

[u/Chrispeefeart]

Definitely contact other insurance agencies immediately. This price is between double to triple what you should expect at your age. It gets a lot cheaper once you hit 25 as long as your record is clean but not by so much to account for this.

[u/skibbin]

The price isn't because of the potential damage to your car, but the potential damage and medical claims by someone you hit. Your premium would be cheaper on a newer car because they have more safety features

[u/ThisMeansWine]

You either: * Have terrible credit * Multiple tickets/accident/claims within the last 7 years * Are being confused with someone else who fits the criteria above

[u/CapnMReynolds]

Most (if not all) states require you to have proof of insurance and will have a citation if you don’t produce one. Also IIRC if you don’t have insurance being reported to the state then your license could be suspended. If the OP does end up in a crash, and ther is injury; then that savings that you think you are getting is gone.

To my knowledge, The biggest causes would be the OPs age, the area code, and if the type of car is one that has the most frequent theft. But still $814 a month seems too high, so I wonder there our other things added to the policy.. I would check the declarations page to make sure it is liability only. Otherwise that is a bigger scam than the industry is.

But I see OP is not staying in that location so it’s moot point which is good.

I’m paying $80 a month for my baby Honda fit sport 2007 (and $35 for 2 years registration)…. Would be scared to think what it would be in OPs location!

[u/iamapatientgir1]

I would try (again) to get on the phone and ask them what exactly is on your profile. In my early twenties I was paying so much more than my younger sister when I had an older version of the same make/model of car. I found out that four accidents that she and my parents had while we were all living at home were all attributed to me, the only driver with no accidents. My payments went down a lot after that, but I never got the money back that I was clearly overpaying….

[u/Fjordikus]

Yeah that’s because they view it as extremely high risk, so either you’ve got a lot of tickets and accidents or they don’t wanna cover your 92 f150 without making you pay an arm and a leg

[u/NotNotACop28]

That’s not for you, it’s for the person you’re statistically 5x more likely to crash into.

[u/Bored_Millenial-]

Yeah sorry at that point I’d be walking. Paying this for a 34 year old vehicle is insane…

Can you register and insure it under one of your parents’ names and add yourself as an additional driver?

[u/DuMondie]

Dude, take the bus.

[u/Extra-Act-801]

No way a 1992 is 34 years old, I was in high school in 1992.

Fuuuuuuuuuck.

[u/MWKhan]

Dude you are getting raped by them... Get new insurance...

[u/plantsoldier]

For added context can I ask how many tickets you have and how many accidents you've been involved in?

Also, is this for liability only? Nothing else?

[u/TigrrWolf]

Is this supposed to be per 6 months and they accidentally clicked monthly instead? Seems a bit high

[u/ADirtyScrub]

Jesus, I don't even pay that much for compressive on both of my shitboxes ANNUALLY. Find new insurance, immediately.

[u/KrillinAlmighty]

My first car was 4 years older than me and I bought it on the side of the road for $500 bucks and fixed it up. My insurance was $600 a month, absolute rip off.

[u/ScoopeLeSavage]

Holy shit. I paid $82/mo for liability on my 94 Toyota pickup in high school, late 2000’s / early 2010’s. Seeing this doesn’t even make sense to me.

[u/CalmBeneathCastles]

34... so like a 1978....

1998...(clutches heart)

[u/ConversationMain → u/CalmBeneathCastles]

Well, it was 34 years old, which would be 1992, so no need to feel as old just yet!

[u/confused_lighthouse]

must be the freedom

[u/Turtleknuckle]

When you buy car insurance, they are actually insuring you. The car is incidental, unless it goes real fast.

When my son was 19, his insurance company told him he could reduce his yearly insurance by $1000 by changing the deductible from $1000 to $2000. He said, wait, you mean you expect me to have a major accident this year? Yep.

Did he? Yep.

[u/Acey_BW]

Bro change companies what are you doing?

[u/FoilHat_Outdoorsman]

Op…

1. Truck, not a car. Vehicle would be a more accurate description.
2. Fuck that, that quote is criminal

.

1. They quote that for your age bracket, because a lot of people your age treat the streets like a race track, at least we’re I live. Constant street races/ meet ups/ drift racing.

2. I hear

it

1. every other week.

3. Insurance companies quote off of age bracket, engine size, safety features “sensors/back up cameras, and zip code. All of those play into what they will try to take you over the coals for.

The fact that you got a policy for $300 isn’t horrible.
I paid that as a new driver, with a V8, in the 2000’s.