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Joined: Feb 2005
Posts: 23
KennyD
Member
KennyD Feb 20, 10:52pm - #404840 
2000 Silver Toyota Celica
Member
2000 Toyota Celica

Joined: Feb 2005
Posts: 23
Dallas
Insurance GTS

What's the GTS Insurance run for a 16 year old driver, no wrecks... tickets... etc. Just a ballpark. Please specify liability or full coverage, though it shouldn't be too hard to tell. Also which state you live in. Thanks guys!

It's a 2000... if that makes any difference.
Joined: Oct 2004
Posts: 369
sakara
GT4
sakara Feb 20, 11:14pm - #404841 

GT4
1990 Toyota Alltrac

Joined: Oct 2004
Posts: 369
pa
ALOT, lol... simply for the fact that you are 16 and a guy and a 'hazardous driver.' I know a lot of my guy friends pay like 200 a month on their cars. it's insane! It all depends on what kind of insurance you are looking for. if you want or have to get full coverage then ur lookin at a hell of a lot of money, lol... if ur just looking for whatever then it will be a lot cheaper... on my 90 all trac I pay $67 a month. I'm a 19 yr old female and I have decent insuance... clean record and everything... I got quoted up to abt $185 a month if I want the high end of EVERYTHING. I have good insurance on it right now, but I will probally up my coverage a little later on.

but again hun, you are probally looking at a lot of money for insurance right now comsidering your age and the car.

90 all trac 98k miles... *To be resurrected...*
Gives new meaning to "It looks fast"...It IS fast
'90 rolla "Lunchbox on wheels" 167k strong!
Joined: Feb 2005
Posts: 23
KennyD
Member
KennyD Feb 21, 12:09am - #404842 
2000 Silver Toyota Celica
Member
2000 Toyota Celica

Joined: Feb 2005
Posts: 23
Dallas
Yea, I figured a lot, but was hoping to get a ballpark on any other 16 year old 'hazardous drivers' with the car. Thanks much. I'm also looking for bottom of the line "make me legal" quotes spineyes
Joined: Sep 2004
Posts: 112
YourNameHere
Member
YourNameHere Feb 21, 12:18am - #404843 
2000 Carbon Blue Toyota Celica
Member
2000 Toyota Celica

Joined: Sep 2004
Posts: 112
FL
I don't mean to be rude, but I think the best way to find out how much insurance is gonna run you is to either get an online quote OR get on the phone. It takes no time at all (I even re-checked an earlier quote right there at the dealership just to make sure I knew what I was getting in to)

Every state is different and there are a lot of options. It's prolly gonna be cheaper to stay under your parents policy (if at all possible). If not then expect to pay some cash if TX is anything like FL, for the simple fact that you're 16 and a male in a "sports" car. And if there are any major modifications on it then it's gonna cost more b/c more than likely the ins co is not only insuring the vehicle, but everything inside it as well.

Don't get caught up in all the different options. For comparison sake just choose the minimal coverage allowed by state law from each company you contact.

Whatever you do SHOP AROUND, and NEVER blindly re-new your policy.

gl thumbsup
Joined: May 2004
Posts: 2,979
RookieGTS
Boobie Vision
RookieGTS Feb 21, 6:49am - #404844 

Boobie Vision
2000 Toyota Celica

Joined: May 2004
Posts: 2,979
925 Nor Cal
dude an assload even if your under your parents name. and espeically your 16 rolleyes shiiit good luck on that.
Joined: Apr 2003
Posts: 128
Celica^2k1
Member
Celica^2k1 Feb 21, 6:56am - #404845 
Member

Joined: Apr 2003
Posts: 128
Tampa, Florida
Um I don't even have a Celica yet and I pay 245 a month on just liability on a 1996 eagle vision TSI...and I am 18

I want a Supra :'(
Joined: May 2004
Posts: 2,979
RookieGTS
Boobie Vision
RookieGTS Feb 21, 7:22am - #404846 

Boobie Vision
2000 Toyota Celica

Joined: May 2004
Posts: 2,979
925 Nor Cal
Originally Posted by Celica^2k1
Um I don't even have a Celica yet and I pay 245 a month on just liability on a 1996 eagle vision TSI...and I am 18


now are you on your own insurance or your parents?
Joined: Aug 2004
Posts: 733
g96818
Yoda Master
g96818 Feb 21, 8:10am - #404847 

Yoda Master
2000 Toyota Celica GTS

Joined: Aug 2004
Posts: 733
Hon, HI
u pay alot, just put everything under ur dads name for now and give him the money because there is no way you can get an affordable inssurance at ur age and since you just got license
Joined: Feb 2005
Posts: 23
KennyD
Member
KennyD Feb 21, 1:17pm - #404848 
2000 Silver Toyota Celica
Member
2000 Toyota Celica

Joined: Feb 2005
Posts: 23
Dallas
wtf Can you put the car under your dad's name without insurance charging extra since I would be the primary driver?
Joined: Jun 2004
Posts: 3,748
hombredelassrtas
CF Connoisseur
hombredelassrtas Feb 21, 3:54pm - #404849 

CF Connoisseur
2004 Toyota Celica

Joined: Jun 2004
Posts: 3,748
Gainesville, FL
7000 a year smile ok thats just me (minor accident, under paretns names, 20, 04 gts) frown

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Joined: Nov 2004
Posts: 306
JettaMan
Member
JettaMan Feb 21, 3:57pm - #404850 

Member
2002 Volkswagon Jetta GLS

Joined: Nov 2004
Posts: 306
Annapolis, Maryland
damn!! you guys are expensive lol i have full coverage and pay $1,500 a year

[Linked Image]
Joined: Feb 2005
Posts: 23
KennyD
Member
KennyD Feb 21, 11:28pm - #404851 
2000 Silver Toyota Celica
Member
2000 Toyota Celica

Joined: Feb 2005
Posts: 23
Dallas
7000 a year?! cry Can't believe a minor accident would do that... Is that full coverage? If I were you I'd get a mail-order bride to lower insurance costs! I was hoping under my dad's name I could get around 2k a year with minimum coverage... it's still expensive but I could manage.
Joined: Aug 2004
Posts: 993
Celica2k
Jace
Celica2k Feb 22, 12:58am - #404852 

Jace
2000 Toyota Celica GT

Joined: Aug 2004
Posts: 993
Springfield, MO
insurance is the reason i couldnt get a gts. My dad has his own insurance business and everyone thinks wow you guys must get great deals. fuck no we dont. Im glad my DWI fell through now i wont have to get an sr-22 where i'd have to pay $400 a month for just liability
Joined: Feb 2005
Posts: 100
Super_celica
Member
Super_celica Feb 22, 5:42am - #404853 
2001 Silver Toyota Celica
Member
2001 Toyota Celica

Joined: Feb 2005
Posts: 100
Ohio
hell i'm 19 and i was told $625 a month on my own policy, so i get $205 under my dads but my records clean cept for a couple tickets. its really not the car i payed $315 a month for my old 94 geo metro on my own policy.
Joined: Feb 2005
Posts: 23
KennyD
Member
KennyD Feb 22, 6:32am - #404854 
2000 Silver Toyota Celica
Member
2000 Toyota Celica

Joined: Feb 2005
Posts: 23
Dallas
Hmm I got as low as 125 a month on an auto quote doing everything the bare minimum and saying it's primary use would be for pleasure... this would be my primary car used to get to work and to school... can I still just say pleasure... My guess is they wouldn't find out. If they did what would happen? And I really don't see how they could find out. But that quote wasn't bad. It was under my dad's name. But anyone know a thing or 2 about saying it's primary use is pleasure? Thanks again.
Joined: Oct 2004
Posts: 130
inifinity
Member
inifinity Feb 22, 6:46am - #404855 
2000 Absolutely Red Toyota Celica
Member
2000 Toyota Celica

Joined: Oct 2004
Posts: 130
fort smith, arkansas
i pay 120 under my dads name and im 19.. no tickets...that show up anyway.. hehe..
Joined: May 2004
Posts: 528
renfield90
Senior Member
renfield90 Feb 22, 7:17am - #404856 

Senior Member
2001 Toyota Celica GT

Joined: May 2004
Posts: 528
Tempe, AZ
If you're on your parents plan, (in most cases) you can put your dad as the primary driver, and yourself as the primary driver of his car.

For example, right now I'm driving a '91 BMW 318, while my dad drives a '01 Celica GT wink. You have to check the individual policies but in most cases you'll still be covered.

One thing I would note is that my dad and I have the same first name (but different middle initial, so I'm technically not a jr.)...so we can kinda use this to our advantage.
Joined: Sep 2004
Posts: 126
Teknikal
Member
Teknikal Feb 22, 2:37pm - #404857 
2000 Silver Toyota Celica
Member
2000 Toyota Celica

Joined: Sep 2004
Posts: 126
Louisville, KY
$120/month with my parents full coverage

You insure the car not the driver, and yes they can find out if you put the car for pleasure but you use it as a daily driver. You give them your mileage and if you get into an accident and they see the odometer they will probably deny your claim.

Quit being a cheap ass, if you can't afford the car and everything you need to be able to drive it then don't get it.
Joined: Feb 2005
Posts: 1
labgeek
New Member
labgeek Feb 24, 1:46pm - #404858 
2000 White Toyota Celica
New Member
2000 Toyota Celica

Joined: Feb 2005
Posts: 1
Newport News, VA
Originally Posted by Teknikal
You insure the car not the driver


Yes and No.

Comp/Collision = car more than driver (but driver's likelyhood of accident is indeed calculated into it).Think about it. They're worried about 1) how likely are they to get into an accident, and 2) how much will it cost to repair the car if they do.

Liability = driver more than car - likelyhood of driver is a factor. Like the above, how likely, but now they don't know what you're going to hit. So the driver pays a even bigger part in the equation. Car plays a part as cars have driving records too. Some models are more prone to accidents than others. Has to do with the type of driver. For example, 2 16yo males, no tickets no accidents, etc. (also no personal history!). One buys a $5000 econobox (not going to name a model as to not start a war), the other a $25000 2 seater sportscar. Which is more likely to get tempted to play behind the wheel and get into trouble??
Joined: Dec 2003
Posts: 411
vietnamese2004
Senior Member
vietnamese2004 Feb 24, 11:44pm - #404859 

Senior Member
2003 Toyota Celica

Joined: Dec 2003
Posts: 411
Canada - B.C - Vancouver
me is $5000/year wen i was 16. no accident
Joined: Aug 2004
Posts: 169
hs2g
Member
hs2g Feb 26, 7:27pm - #404860 
1997 Red Toyota Celica GT
Member
1997 Toyota Celica GT

Joined: Aug 2004
Posts: 169
St. Cloud, Minnesota
I drive a 1997 Celica Convertable GT. I pay 425 every 6 months under my dads name. We told them it was just for pleasure used also.

I think I'm pretty lucky. grin
Joined: Oct 2003
Posts: 2,030
RevMonster
Masta OC
RevMonster Feb 26, 8:47pm - #404861 

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Originally Posted by Teknikal
$120/month with my parents full coverage

You insure the car not the driver, and yes they can find out if you put the car for pleasure but you use it as a daily driver. You give them your mileage and if you get into an accident and they see the odometer they will probably deny your claim.

Quit being a cheap ass, if you can't afford the car and everything you need to be able to drive it then don't get it.


All of this info is wrong.

In any case... it's going to be a lot. Even if you are rated as an occasional driver on the car (this can only be done if there are fewer cars than drivers in the household), it's still only going to make a small difference. It does matter if you go through your parents company though, because you'll get other discounts (multi-car, multi-line, ect). Expect anywhere from $200-$300 a month.

BTW, you said that you want a "just enough to be legal" quote. That's a HORRIBLE idea. You can get 15/30/5 in many states. That means if you hit another car, you're only going to have $5k in coverage to repair it. Lets say you hit a Lexus IS300. You're going to either have to pay $20k out of pocket, or be sued. The difference between legal minimum and something like 25/50/25 isn't going to be that much. Especially since you're young and have a good chance at getting into an accident at some point, I'd highly advise you don't go bare-bones on the liability limits.

I'm just a crosshair
I'm just a shot away from you
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