i want to get a wrx, my parents are willing to buy it for me, i was...THIS close to getting one tonight, but guess what. You can't drive without insurance right? so we called our insurance agent and we did a over the phone quote for how my insurance would be. AWD, turbo, WRX = 2500 for 6 months....so i was like damn...that's 5,000 a year...i relay the price to my dad while she holds on the phone, i come back only to find out it's not 2,500 per 6 months....it's 2500 per THREE MONTHS....that's a grand total of 10,000 A YEAR...which is ALMOST HALF THE PRICE OF THE FREAKING CAR.This is AAA in california, and i'm only 18 years old. Does anyone have anyt suggestions on how i might be able to get my insurance costs down? I live in the bay area, clean record, good student (above 3.0) and is in desperate need of a WRX...:(

that sounds like a rediculous amount for insurence, i have a friend who was in 2 major accidents, drives an M3, and is 17 and he only pays 5000 per year....maybe try shopping around for a different insurence carrier, the only thing i can imagine that would affect your cost so much is the location, cause ihave a 3.0+ GPA, clean record, and im only paying a 700 a year....then again, i dont drive a WRX.

Originally posted by ralliart
that sounds like a rediculous amount for insurence, i have a friend who was in 2 major accidents, drives an M3, and is 17 and he only pays 5000 per year....maybe try shopping around for a different insurence carrier, the only thing i can imagine that would affect your cost so much is the location, cause ihave a 3.0+ GPA, clean record, and im only paying a 700 a year....then again, i dont drive a WRX.


i think it might be the area too, i live in the bay area of cali, and there are ricers out here 24/7. Those 'fixed' up civics with just an exhaust and some 15 inch rims and maybe lowered with tint. Those 16 year olds drive so crazy, we always have accidnets in front of my dad's store. crazy kids, making it worst for everyone

ya, i live in orange county and my area has alot of racers but i am able to live in an area where street racing is big, but not noticed at all by the CHP.... i hope to get a WRX in 2 years after i move to colorado for college, and i hope by then im old enough to have a cheap insurence for it.

Originally posted by ralliart
and i hope by then im old enough to have a cheap insurence for it.


my insurance told me, once i turn 19, meaning i have had my license for 3 years, my insurance will be 2700 a YEAR...right now. i'm sitting at 2 1/2 years od driving experience so my price is 2500 every 3 months.

ya it must be your location or your race.... cause i know both of those play a huge roll, also income.... thats sounds about right, 2700, i think mine will be cheaper but only because of my location...oh well, hopefully itll all work out for you.

ugh dont insure it in your name. insure it under your father's name, and list yourself as a part time driver. i thought everyone knew this kind of thing?

im also 18. we insured my WRX under my fathers name and under our family's group rate. it costed maybe 100 more per 6 months than insuring my old 99 durango did.

My Dad used to work for an insurance company, and he's explained some of the 'why' in their rates.

The short story is:
They're betting that an 18 year old person (usually an unmarried male) driving a turbo-charged sports car will destroy it in 2 years or less. Charging you 1/2 the cost of the car each year is their way of making sure that they lose little or nothing if/when the car is wrecked beyond recognition.

So, to avoid paying for the car twice ( the dealer and the insurance company) for the car, follow Enigma's advice. When I was 18 that's what I did to keep from paying an arm and a leg for insurance.

definitely register it under your dads name. that what i did with mine...i got 2500 or 3000 for 6 months thats the 2 lowest i found. but when it went under my dads name...it ended up being like 900 a year. definitely the way to go! that was over a year ago though...and the insurance companies didn't even know what the hell a wrx was, so it could have easily gone up since then. ESPECIALLY since the wrx is one of the most crashed cars. it rare to find a w with more than 30k on it. but go with the parental unit thing. after you turn 21 with no tickets a lot of insurance companies will transfer your parents rates directly to you. so be good, if its possible in a wrx. ALSO GIVE IT SUFFICIENT BREAK IN MILEAGE!!!!!!! ITS A MUST!!!!! ATLEAST 1000...2000 would be best!!! BREAK IN MILEAGE IS ESSENTIAL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Get the WRX Wagon! It's insurance rated as a wagon! (Ceaper.

okay, we are insured (my parents) have AAA insurance, and they have a policy where i cannot be under the same policy as my parents since i do not have a 3 year drivers experience. Are all the other companies like that too? that's the only reason i'm getting charged 10,000 a year, because i cannot be registered under my parents policy, and therefore i will have to be the primary driver, on the wrx, (turbocharged sports sedan). Can i just go with another compnay for the wrx, and have my parents register as the primary driver while i'm the secondary, and pay for that premium and i drive it 24/7? i need help guys, parents are willing to buy the car, i just need to find a way around insurance right now. BTW i need full coverage, because parents think i'm still young for just liablity and plus it's a new car. Thanks

i think you can have them insure the car with a different company, but im not an insurance agent and can only speak from my own personal experience.

do your parents have an umbrella policy? if so, that will cause major problems because insuring the car under another company will not keep it included under the old umbrella.

if u dont have an umbrella policy i think you should be okay if u insure it under your fathers name with a diff company.

My experience with insurance... consider the following:


.I live in the Bay area where all the ricers are at.
-In a family plan, provided by insurance company called Mercury.
-I am 18.
-Mom drives an '03 Dodge Van
-Dad drives an '02 Celica GT-S 6 speed, and full body performance kit.
-I drive an '03 WRX Sedan.
-No tickets, 1 minor accident in an MK1 where I was backed into.

In conclusion, a little less than $3000 per 6 months.

I am under my dad's name, but my dad drives an '02 Celica. So even if I switch under a different car, my insurance still beats up on me.

So I'm stuck with that, and I think Triple AAA, like most people, is too expensive.

Wow. I have AAA and i'm only paying like 1600 a YEAR (full coverage) for my Impreza... Then again its not a WRX nor is it a new car, but I am only 23 and live in Cali... 10,000 a year is just insane for anything next to a exotic luxury brand car.

can anyone list some good yet affordable insurance companies for me? i'm 18..=]

I had them for years, got the WRX and my policy jumped to $1,500 a year (36 , no tickets, no points and good driver discount!)and let's not forget $900.00 ayear for the wife's Xterra with NO payments and a clean driving record!!!When junior got his liscence , they wanted $2,500 just for him every 6 months as a secondary driver!
Shop around , I found Mercury will give me the same coverage for 1k for my wife and I plus 1k a year for the kid (he'll be getting a Honda soon so we can drop that even more).Tell dad to check around , even though AAA is "confidence" type insurance carrier the coverage is what counts not the premium!Lot's of folks swear about on-line shopping but do the face to face stuff with reputable brokers for this, it will open your eyes.
But keep that AAA membership , it pays for itself when you have to do any DMV work and you can just go to their office and not wait hours at the actual DMV!
AAA's insurance nuances are built specificaly for the mature crowd and that is no joke, they want no and they mean NO high risk autos or policy holders.

i knwo geiko enables a son to insure a car under the fathers name and allows the son to drive as a part time driver ( orwhatever you want to call the policy) and i have farmers and i am paying 700 a year! and im only 17! and im insured under my name! so maybe try them.....then again, my car is no where near a WRX's power or crash prone reputation.

Geico is good. Progressive is good, plus progressive will give you other companies too.

hi i totally feel your pain... See a few years ago the laws changed on insurance. Since everyone MUST have insurance, insurance companies cannot really drop you anymore. Instead, they offer u rediculous rates. A couple years back I tried to use Farmers Insurance, so instead of telling me no, they quoted me $1200 per MONTH. So I took my business elsewhere, called around to many places & chose a place called Armor Insurance in West Covina (so-cal) im paying about $350/mo on my '02 wrx wagon. This is about the same amt i previously paid on my '01 jetta 1.8T.

In case your wondering... I'm 22, have about 3pts on record, recently had a suspended liscense, ok no more talkin for me.
--michael

oh yeah - Armor insurance 800.36-INSURE

1) Try 21st Century Insurance.
2) Think about driving a beater for a few years.

P.S. AAA can suck a fart out of my ass! I was rear ended in a 3 month old car by a driver who had AAA. It was a black and white case. I was stopped, the driver of the truck reached for his coffee and hit me doing ~50mph. Their adjuster said that all the damage to my car was not a result of the accident. All I wanted was my car fixed, but they tried to dick me around. As it turns out, I was seriously injured. All I wanted was my new car back, but they would not pay. I sued them and what would have cost AAA 5 grand probably wound up costing them 400 grand a few years later when you take into account my settlement and the fact that they had a team of lawyers working on my case. THAT is why the rates are so damn high.
:monkey: AAA

hehe, well it's been settled in the family guys. i'm going to drive the van that i've been drivng for the past 2 years (since i got my license) and i'm going to be the one driving htat car most of the time from now on. Until December of this year that is...so that's about 6 months wait tiem, and hopefully, i can save up 7g's...to add to the 23 to buy a sti, OR JUST CONVINCE my dad to pay the extra 7 g's and get me the STI and i'll have 7g's worth of money for mods...=] either way, i'm getting the freaking car no matter what. haha. insurance wise, AAA said once i turn 19, my insurance rate for the wrx is 2700 a year, full coverage. in the meantime, 10g's a year...so :monkey: triple A

dude, you think WRX insurance is expensive...Just wait until the thieving bastards figure out what the STi is!

Talk your dad into taking a performance driving school with you. It will be a fun bonding experience and it might just save your life (and your new car:p ). He's driving a cool Celica, so he must have some tendency for adrenalin!

I have an idea, GET A JOB YOU SPOILED LITTLE **** !

Originally posted by 2.5 Steele RS
I have an idea, GET A JOB YOU SPOILED LITTLE **** !

please keep in mind, i'm driving the a family van and it's iloqin who's dad is driving an 02 celica and he's the one with the white wrx, NOT me. If you think i'm spoiled, well, that's your opinion and i have nothing to say about it, and i already have a job, and so i dont ask parents for money, but i'm still going to school and they are planning to get me the car of my choice under 25's. just get your facts straight before you start cussing and calling people spoiled.

That guy is just pissed cause he lives in Delaware, yeah Delaware.
I-club is not a place for posts like that.
Everyone's post but 2.5 Steele RS was positive and with RESPECT.

WRX insurance IS expensive. When I got a '03 WRX sedan my insurance went up $400 dollars to $1200 a year. I'm 52 years old. No accidents, no tickets, and I had to use the highest deductable for a quote that cheap! Also, with the use of VIN numbers, you won't slip your REX by as a 4 door sedan with a 2 liter engine. I tried. IMO there is no magic remedy. Progressive,with very high deductables is probably your best bet. Sincerely, Collins

Originally posted by wrexr
That guy is just pissed cause he lives in Delaware, yeah Delaware.
I-club is not a place for posts like that.
Everyone's post but 2.5 Steele RS was positive and with RESPECT.
You're right, please accept My appoligies. I do have some good advice for the lad though.
If You want to make You're Dad proud, don't ask for a WRX. Some things just have to wait. My advice is to take full advantage of You're blessings, and get a more reasonable ride that You can afford. I too am working toward the goal of owning a WRX, maby even an STI, but for now I just have to settle for My 2.5 RS, which by the way, is still an awsome ride that turns peoples heads. Work towards You're dreams, and they will be that much sweeter when they come true.
sorry agian,
Chuck
P.S. Delaware is'nt such a bad place.

Quick get married, your rates will go down :) Actually, it's less trouble to pay the money. Either way you'll pay :)

Originally posted by Peaty
Quick get married, your rates will go down :) Actually, it's less trouble to pay the money. Either way you'll pay :)

hey, i think i might try that. maybe even have a kid, since....my 3 years of drivers experience wont be up until another year. so....if i got marry...say next week...and i get her pregnant...we'll have a full family and my insurance will be even cheaper :D ...jk...heheh thanks for the advice tho, i-club people are cool...or uhm..99% of the time :p

i've had state farm since i've had my liscence, so almost 4 years now. when i went from my loyale to my talon tsi (turbo, though fwd) my monthy went from $145 to $215. its now down to $180, with accident free discount. and thats with only one ticket. i switched to my own policy for my talon. check out state farm, they have been pretty good for me.

-PJ

BTW, AAA has alot of various discounts like "good student" discount and other such things... Check around and see what kind of discounts you can get for various insurance companies.

try 21st centurty... you should really just do liability. and dont crash ur car. buy the autolock and the lo jack system and an alarm system. that will be wayyyy cheaper than full coverage. also ur autolock, alarm system. and lo jack system. itll be virtually impossible to lose your car. full coverage on a race car for an 18 year old. by the way the WRX is a race car. even though its a sedan. its still a race car.. and full coverage for a youngster is always expensive.. unless your rich.. i recoommmend u do just liability and drive safe. dont plan on crashing ur WRX.

Originally posted by 2.5 Steele RS
You're right, please accept My appoligies. I do have some good advice for the lad though.
If You want to make You're Dad proud, don't ask for a WRX. Some things just have to wait. My advice is to take full advantage of You're blessings, and get a more reasonable ride that You can afford. I too am working toward the goal of owning a WRX, maby even an STI, but for now I just have to settle for My 2.5 RS, which by the way, is still an awsome ride that turns peoples heads. Work towards You're dreams, and they will be that much sweeter when they come true.
sorry agian,
Chuck
P.S. Delaware is'nt such a bad place.

Your a good man for owning up.
The Delaware comment was from Wayne's World.
"we're in Delaware, yeah Delaware"

-wrexr

The law requires just disability, but you'd be INSANE to drive without collision and uninsured motorist. You can be the best driver in the land; somebody will nail your car while you're sitting at a stop light. And guess what? If you're lucky enough to live in So. Calif., like me, they won't be insured! Lojack is good enough, but a pro wiil have your car on a trailer and " parted out" in Barstow before you can call any tracking service. I know this reply is pretty depressing; but ther's only one thing worse than not having a Suby. It's not having a car, but still having all the payments. Sincerely, Collins

if they hit u with no insurance. they are screwed. they will pay badly and also u can sue the shiet out of the registered owner. also. u can get past the lo jack after u get past the alarm system and the auto lock.

They are screwed if they have no insurance? You can sue them? You must live a LONG way from CAlif. and be very young. Every dirt bag who drives a beater carries only the minimum for liability. [the law]. And thats if they HAVE insurance. They hit you, total your car, and you sue them for what? Half of the apt. they rent with a friend. If they have no insurance, You'll have to sue them for their assets. [ 100% of 0 = 0]. Get insurance if you are serious about protecting your Suby and your savings. Sincerely, Collins

Originally posted by downshift
if they hit u with no insurance. they are screwed. they will pay badly and also u can sue the shiet out of the registered owner. also. u can get past the lo jack after u get past the alarm system and the auto lock.
:rolleyes: There's a reason insurance against uninsured motorists exists, chief.

Try American Family, I'm a single male (26) with 1 or two speeding tickets still on my record. I got my 04 wrx sedan a couple of weeks ago. I got 0 deductble comprehensive (theft/vandal) and 500 deduct collision for less than $400 for 6 months.

-Bo

I am an Insurance Agent and I can tell you there is nothing affecting your 'rate' more then your age. Think about the risk... an 18 year old male in a sports car. You had might as well be driving a Mustang GT convertible :P

Insurance the past few years has been bad and the insurance companies have been losing a lot of money... so you know what happens then, right?

For every 9 good 18 year old males who drive and never wreck there is one who goes out and causes a huge accident.... if the cost of that accident is $20,000 then they have to charge him and the other nine drivers $2000 each just to break even! I know its overly simplistic, but its the way insurance works.

Originally posted by AzN121184
okay, we are insured (my parents) have AAA insurance....


one of your first problems! AAA sucks, and know how to milk their clients (just my oppinion- Im getting out of AAA in August and onto someone else)


Im older than most on here (26) and have a super clean record- just got my WRX wagon about 5 weeks ago and my insurance went up 65 bucks for the 3 months left on my insurance over my 97 Rodeo.

So, insure thru your parents (they most likely have good records) and dont worry about it untill you buy a car in your own name (another hint- have a parent co-sign on the car!)

ok.. so you guys are telling me this. some dumb shiet decides to drive out his old school subaru and he drives so fast with no insurance right. then he decides he wants to slam into the back of my 03 WRX going at 70mph on the freeway. my car is ****ed up now. and that guys isnt paying for it because his insurance is either too cheap or he doesnt have any..

guys. you dont know the extreme anger i feel.. i got raped from the back. he ****in slammed into my baby for no reason. hit me so hard i rocketed forwared and cause 2 cars in front of me to hit also. so now my bak is ****ed up and my front is ****ed up. this dumb shiet isnt even gona pay because he has no insurance.. what should i do? he is a poor ass with a ****ty car that ****ed up my brand new 03 WRX. u guys dont know the pain and anger i feel. its like i got insurance andhe doesnt and now im stuck wit a brand new ****ed up wrx. he did more than $8,000 in damages im guessing. my whole bak is caved in. im soooo mad!!

please what should i do.

if i ever found this guy. id ****ing beat him to death for not owning up.

i do know where he lives and everything. but i want my car to be fixed! thats all i want.

for all i know, for me the insurance on the WRX is still cheaper than me get an acura or honda.

that is the reason why i got a subaru. :D instead of the RSX.

eric.

i feel for you downshift. hope that you get that stupid driver good.

i got clip by an old cabbie driver (LUXOR cab). :monkey: i wanna beat the crap out of him too. :mad:

eric.

i hear that you can get a discount on your insurance if one of your parents is a doctor or lawyer or something like that. my friend who use to sell aaa insurence told me that. weird.. more breaks for the rich huh

<:)))><

Hey Guys, I've been following this thread and have been surprized by the constant mention of Mom and Dad, and how they fit into the equation of owning and insuring a Suby. Do what you're parents probably did. Get a good job, save your money. Buy a car you can afford. I'm 52 years old. I saved for over a year for a down payment. Now I have payments I can afford. My insurance is still too high, but that's part of owning a very fast car. Can you imagine a Porche, Vette or Viper owner looking at the i-club with all our childish crap. How embarrassing! We look like a bunch of spoiled brats. Man Up! Collins

i think the guy's insurance company is trying to hose him. v8 sports cars dont have that high a premium in my area (southeast).

I'd suggest you get another insurance company.

AAA offers discounts to certain "professionals" based upon what college degree you hold. It is based on data they have that educated people may be less likely to drive unsafe cars at unsafe speeds (e.g. most doctors do not drive twenty year old chevies with bald tires).
AAA is not the cheapest insurance, but they are certainly in the lower half for the average guy with the average car. They do not like high performance cars, no insurance company does. But my experience is that they are a lot less likely to cancel you for a ticket or an accident than many of the lower priced insurance companies.
It is unfortunate, but insurance is a fact of owning a car. Remember the old saying, "speed costs money. how fast do you want to go?" Insurance is just part of the equation.
By the way, downshift, if you have uninsured motorist insurance and you can id the uninsured motorist who hit you, there is no deductible and your insurance company will go after the guy (at least that is how the auto club works). Good luck with the fix!

check out Wawanesa insurance, they are based in San Diego, I talked to a Mercury agent and he told me that he cannot beat the rate, I'm paying $800 a year with $50,00/100,000 liability and $300 deductible for an '03 WRX driving 15,000 miles a year

get farmers insurancecompany its cheap