Challenger Insurance

[spamtank]

When I was 18 (back in 1980) I bought a 1973 Dodge Dart Sport 340.  The engine had been swapped for a 318.  I had to prove to the insurance company that it was a 318 before they would insure the car, and even back then it was $1200 per year.  And rightfully so, as a kid, I drove a lot more recklessly than I do now, and took way more chance.  I survived my teenage years.  But some friends and class mates did not.

[moparman82]

Might be a little cheaper, but no way to know til u sign up, just call ur Allstate agent and ask

[mildphil]

I guess that is the only way to truly know. If it is too much I may just have to buy a newer challenger and hold off until after highschool to purchase a classic mopar. I mean I can afford it, I work alot, getting another job soon, and then another at an engineering company when im 18 so in the next year I will have 3 part time jobs all at once, but I don't want ALL my funds going into insurance when I could be using them for the car.

[spamtank]

I guess that is the only way to truly know. If it is too much I may just have to buy a newer challenger and hold off until after highschool to purchase a classic mopar. I mean I can afford it, I work alot, getting another job soon, and then another at an engineering company when im 18 so in the next year I will have 3 part time jobs all at once, but I don't want ALL my funds going into insurance when I could be using them for the car.

I think any vehicle perceived by the insurance companies to be "high performance" might end up with an even higher premium.  I think you can get quotes pretty easily online nowadays.  It'd be worth getting a vin number off a "representative" newer Challenger and plugging that into one of those online sites.  I use GEICO for our insurance.  I usually experiment with my assumptions to get an idea what the cost will be before I purchase a car.  It's those recurring costs that end up killing you, ie insurance, gas, maintenance, etc....

Sounds like with 3 part time jobs, you are a hard and responsible worker.  I personally wish I would have saved more money when I was young.  Probably could have retired by now.  But like you, I loved cars, and had to have 'em.

Good luck.

[mildphil]

I think any vehicle perceived by the insurance companies to be "high performance" might end up with an even higher premium.  I think you can get quotes pretty easily online nowadays.  It'd be worth getting a vin number off a "representative" newer Challenger and plugging that into one of those online sites.  I use GEICO for our insurance.  I usually experiment with my assumptions to get an idea what the cost will be before I purchase a car.  It's those recurring costs that end up killing you, ie insurance, gas, maintenance, etc....

Sounds like with 3 part time jobs, you are a hard and responsible worker.  I personally wish I would have saved more money when I was young.  Probably could have retired by now.  But like you, I loved cars, and had to have 'em.

Good luck.

I do work hard for my money and would love to have a classic, but it gets to a point to where it becomes impractical (insurance as an example). But if I am able to get a good insurance deal I defiantly will. Ill be able to work on the car if needed too, I have the skills, Thats one of the reasons why the engineering company wants me to work for them, I am extremely good with my hands, and can learn how do do things quick. Just have to wait until im 18 because of laws with working around machinery and what not. But again, If I can get insurance cheaper that would be great, I have taken drivers ed so that will knock down the price a little, I am also going to take a drivers challenge course which will also lower insurance.

[jimynick]

If you get on well with your parents, just put the car in your 'dad or mom's name and have them list you as an occasional driver. Most policy's cover any fully licenced driver who drives the car. Get you folks to check with their company and pay the difference to them. Have your parent put in their will that the car is to go to you should, God forbid, something happen to them. 

[moparman82]

With the new challenger, remember that the car's valu plays into it too, a new chally is a lot more $$ than that old dart

[mildphil]

yeah that's true, the dart cost about 4-5 G's. Think that will help lower insurance?

[moparman82]

Definitely

[Sleepychallenger]

Ive been with USAA since I was 16. so about 13 years now. Started out with liability only on my 60 Comet. Now the Chally is on parked insurance while I work on her. I had it on full coverage but had to get it apraised first.

[72cudamaan]

Mny insurance companies require that "teens" be required to be listed as the primary driver. A loop hole if you may, so
that the insurance company can collect the higher dollar amount for coverage. My State Farm insurance requires this until
my kids reach the age of 25 and/or are still going to school. I'm told the only way around this is if the kids go to school
more than 100 miles away. Talk about a scam. 

[mildphil]

Mny insurance companies require that "teens" be required to be listed as the primary driver. A loop hole if you may, so
that the insurance company can collect the higher dollar amount for coverage. My State Farm insurance requires this until
my kids reach the age of 25 and/or are still going to school. I'm told the only way around this is if the kids go to school
more than 100 miles away. Talk about a scam. 

Even if the car is under my parents name? hmm, this insurance stuff is a pain!

[mildphil]

i tried to get a quote from Geico and Allstate online but neither would work, they kept saying that they had insufficient information or something.

[Barracudadan]

i tried to get a quote from Geico and Allstate online but neither would work, they kept saying that they had insufficient information or something.

When my daughter got her first car I put her on my ins policy. Maybe you could do something similar and pay your parents the difference in the premium to add you? It`s tuff being a junior operator they get you with the higher premiums.
 My advice is go down to your parents ins agent with one or both of your parents and speak to them in person and find out what is the most economical way to get coverage for yourself and have the right type of coverage for you as well, the agent can answer any questions your folks will have too!

I`m not a big fan of getting those quotes online for insurance, sometimes speaking with an actual human being is still the way to go (I`M SO OLD FASHIONED)!

And don`t get caught doing these!    Notice I didn`t say don`t do it just don`t get caught! 

[mildphil]

When my daughter got her first car I put her on my ins policy. Maybe you could do something similar and pay your parents the difference in the premium to add you? It`s tuff being a junior operator they get you with the higher premiums.
 My advice is go down to your parents ins agent with one or both of your parents and speak to them in person and find out what is the most economical way to get coverage for yourself and have the right type of coverage for you as well, the agent can answer any questions your folks will have too!

I`m not a big fan of getting those quotes online for insurance, sometimes speaking with an actual human being is still the way to go (I`M SO OLD FASHIONED)!

And don`t get caught doing these!    Notice I didn`t say don`t do it just don`t get caught! 

Yeah I need to really just sit down and discuss this with them to find out what we should do in order to get the best deal. And yeah I prefer mostly everything one papernor in person, jist was trying to get a rough estimate online but that didn't work out well.