Okay, so this is how it is. My friend is looking to buy an FD when he's 17 (like 1 or 2 years from now) but he had his insurance quoted as $11966 a year. Now, does any-one have an insurance company they'd reccomend? or have any hookups to cheapER insurance (even if he can get it down to 10k its fine). Thanks for your time =)

 

just register the car under someone's name that lives in your house or nearby with a clean drivnig record for 6 years for the then have your friend list himself as secondary, insurance will probably drop to $4-$6k range.

 

HEY its YOU!!! lol, I mentioned that to him, he's thinking aobut it but he'd rather be primary driver. He's just possesive like that...lol

 

i just turned 21 and im the primary on an Fd, i go through economical insurance for may through october. i believe its around 3g

 

Its gonna be really hard to find some cheap insurance for a sports car and being so young. But damn did I read that right? 11966? 1000 a month? **** that is one months rent. I paid 1500 a year when I was drove 81 Mailbu jacked up. Now Im paying 1100 a year. If there is a Meloche Monnex Insurance company in your Area, I would suggest that company.

 

if your friend wants to be primary driver than he shouldnt complain about high prices... last year i was paying $895/month on my bmw until they called out of the blue and said they dont want to insure me anymore. be secondary or cough up the cash. no other choice...

 

CAA insurance.

 

Put it this way. My mortgage per month is cheaper than that! LOL. He must have alot of money if he can even afford $5K a year.

$400/month car payments
$800/month insurance
$200/month gas
$150/month maintenance

$1550/month = $18600/year

Well at least he wants one really bad.

 

I pay $4700 a year. Thats Full Coverage on the brand new Miata and Liability, fire and theft on the RX-7.

 

i pay 78 liability only for th 90 rx7 convertible.

 

is there any online places to get quotes?..prefribly in alberta?

 

Move out of Ontario.

Get Married.

Turn 30.


Other than that, at 17 and never having an insurance policy of his own is gonna kill him cost-wise. The price of insurance in Ontario has gotten retarded in the past few years. I've seen annual rates quoted at more than the car is worth!

 

It costs 12k per year because at 17, they'll be paying for a new FD or the kid's funeral within 12 months.

 

Yeah, I don't see 17 year olds owning FDs straight off a new licence. I know that when I was 17, I didn't make all the best driving decisions. I thought I was so good, and that I really kicked *** at driving, but looking back I know I needed to make my mistakes in the Dodge Shadow before graduating to the Rx7 (and hell, I only own a 1st Gen).

If I owned an FD at 17, I surely would have done something stupid and probably wrapped it around a tree. If I didn't, then I s'pose I would have been some sort of child driving prodigy.

In all honesty, if he can afford an FD, then he'll have to cough up the money for everything that goes with it. Gas (only takes premium, and at almost a dollar per litre for regular.. ouch), Insurance, Repairs... and of course all the ricer accessories a 17yr old wants.

He should get a first or second gen, or a civic.

I must sound kinda high and mighty right now, but even though I've been driving for only 4 years (five in August), this sounds crazy. I can barely afford my FB, and I've got my insurance in Quebec where it's cheaper!

I recommend Economical Insurance, I'm with them in Quebec (Gatineau) and all the guys with my work are with them in Ottawa (a place called Taylor Group Insurance out on Collonnade). Good prices, good service, I can't complain.

Whatever you do, DO NOT get P.C. Insurance. My g/f got that and though she was quoted a slightly lower price than Taylor Group/Economical, it's been nothing but a headache getting them in line. They're always over charging her and then when she calls going "oops, did we not tell you we were going to do that?" and making it sound like her fault. Then when she gets managers on the phone and gets explanations, they drop it again, and apologize for another month or two... Then the mysterious surcharges come back and the rates go up... it never ends.

Jon

 

You will hear this time and time again. New drivers getting an FD = early grave. I've seen so many postings of people seriously hurt cause they drove an FD at too early of an age. I only know one person who has managed to own an FD at an early age and not get it totalled. That was because he rarely floors it and drive it VERY conservatively, which is a rarity for younger people.

I know personaly that if I had an FD when I was 17 I would be dead. These cars are not toys, they are very twichty being so light with a lot of power. If you are 17 the best thing you can do is by a beater car, something that is rear wheel drive is fun to drive, not to expensive with just enough power for you to learn how to drive better. Once you have had that for a couple of years try moving up to something more powerful with better handling.

It's the same way you learn how to ride a bike. You don't just jump onto a 10 speed your first time, you have training wheels.

Raven

 

NEO?

 

I drive conservatively, but then agian I don't even have my g1. Anyways thanks for your input guys, guess I'll be telling my friend the bad news...he's gonna get owned by insurance =)

 

He won't only be owned by insurance, but the cops. 17 year old, very sporty car=being stopped by the cops constantly.

But, if you really want cheap insurance, don't get collision and only use a $250g liability policy. The guy really doesn't own anything so if he gets sued, he just calls bankrupcy and looses the car. Doing it this way, I lowered my insurance from $5000 a year to $3000. Insurance companies really don't tell you this because they want your money.

 

It's not really a matter of driving conservatively or not. It's a matter of not having the experience or car control skills necessary to ensure a safe trip.

Example 1.0: Back when I was 17-ish, I was driving my trusty scottsdale p-up home from a night on the town. No drinks, taking it easy. Went into an S-turn at the posting limit. As I transitioned, the truck lost the back end. I did 2-3 fishtails in and out of my lane, spun it around, and backed it into the ditch.

WHAT I HAD MISSED, is that it had just been raining, a very light rain, so the roads were super slippery. My lack of experience caused me to spin. Luckily we were able to puch the truck back on the road.

Example 2.0: My rich kid neighbour, about 5 years younger than me, got an eagle talon for his 16th b-day. Over the next year it got a body kit, stereo, interior, colour change paint, the works. Kid gets his G2 Thursday. By Sunday, the car was written off.

WHAT HAPPENED: He was driving in the country, doing the limit, in 4th gear. A fox ran in front of him. He braked and downshifted, but instead of finding 3, he found 1. Strong clutch + AWD = engine hit about 12000 rpm before the clutch exploded, disintigrating the bell housing,leaving shrapnel marks in the hood and firewall, and catching the leaking oil and clutch fluid on fire. The fire, and the water from the fire trucks sandblasted all the paint off of the front of the car, leading to a total write-off.

SO...IF you want to see 20 (and trust me you do!) get a stupid beater. Take it to driving schools, solos, whatever you can find. LEARN how to drive it. You will put your first car into something. A ditch, a light pole, a snow bank, SOMETHING. The difference is that with a beater, it will be a 60 kph crash, and hot a 200 kph crash. Then, when you have some skills (and the insurance cheque from your first car), buy something nice, and enjoy it.

REMEMBER: It is much more fun to drive a slow car fast than a fast car slow.

 

While your young friend is to congratulated on his taste, at 17 years old aspiring to a very high performance sports car, the concern shouldn't be insurance (although if I were the insurer, I'd want that huge 1st year premium up front, not monthly installments - too much chance of paying for the car, plus whatever property and lives get lost when he wraps it up in the first months). The concern should be will he see 18. I was a better-than-most under-age driver, mostly because unlike a most of my friends, I didn't shoot straight for the limit of my skills or the car, but worked my way up to them. I did push my limits, but grew my skills carefully - and while my 6cyl '73 Ford Maverick was reasonably agile (for 70's American iron), it didn't really offer up enough acceleration or top speed to get me into too much trouble
Let him get a fun, low hp rwd car. AE86 Corolla's, or the mid-to early 80's Celica GT if you can find a decent sample, or a mid-80's Supra (even 160 hp may be more than prudent tho) might be a good choice, as some are still around in decent condition. Even a nice FB, although insurance on any 2 seat sports car will likely be killer for a 17 year old. Or since money seems to be less an object than for most 17year olds, maybe a late 80's vintage BMW 318 or 320 - great handling, and enough horsepower to be fun, without necessarily being dangerous - and prices for the lower line models are decent. He could then take the money saved on insurance (and a four door model will definitely help there) and put it into driving schools or soloing to learn how to handle a modest-performing car before biting off something as hardcore as an FD.
As far as insurance suggestions, I'm with Canada Direct insurance - good rates, and they are online - I pay $59 monthly for my 91 FC, with $1m plpd, 500 deductible collision, and fire/theft - insured for pleasure driving, not daily to and from work. I also have a totally clean licence for as far back as anyone checks, and a multi-car discount, so your mileage may vary.

 

17 year old with an FD.. Now thats a joke

 

I'm 18 and I have a 97 Jeep TJ. I pay just over 4G/year now. Principal driver because my parents also have their own cars.

 

Nowadays it's impossible to own a sports car at an early age. You'd have to have alot of funding to back up the expense of owning a sports car. Especially one that requires TLC like the FD.

Not to mention the driving experience needed to pilot a sports car. I see alot of young people with cars they can't/shouldn't afford (Daddy's or Mommy's cars), loaded with people trying to show off.
Everyone thinks they can drive, but they really don't know enough to handle a car like an FD.

I was one of the few who were privliaged enough to own an FD at an early age.
Insurance was murder! Even under my Father's name, I was still paying $380 a month. And that was awhile back. My bro went through hell with insurance. Partly because he had some prior convictions when he was still learning how to drive. But like most people at that age, he thought he knew. To this day he drives with other things in mind than the road.
Aside from that, I was always interested in driving. I made it a point to enroll in a driving/racing school before I would own an FD. As luck would have it, after 2 weeks of owning the FD, I was off to racing school. After participating in that school, I have a completely different perspective when it comes to driving.
People are always curious to see how fast you've gone, or if you drive the car like you stole it. That always puzzled me. I never had any interest in those things. I knew what the FD was all about before I got it. The only way you could even extract 8/10th's of it's potential (in stock form!) was by going to the race track!

Unfortunately alot of people don't think that way at that age. I was always told "you're 18 going on 30". That's just who I am. And that's why I drive so conservatively in the FD.

I would agree with Raven and Feds. Start small. Especially if you're just in it for the "scene" (which most kids are in nowadays...)
It will save your wallet and possibly your life....

Lates,

 

FD at 17? That's a quick trip to the boneyard - both for the car and the driver.

Get a beater at and least 50,000 km seat time, and then consider the FD. I didn't get my FC until I had about 500,000 km seat time and the first thing I did was run 2 full autoX series to make sure I remembered how to drive RWD again (after 20 years of FWD)

Z

 

It's true.

My first car was my '85 GSL-SE. 135hp when she was new.
It was a great car to learn on, and still had a lot more potential then I was capable of taping at that point.

I learned to drive that car and find my limits SLOWLY, over a couple of years. My skills increased as I gained experience, and I was able to push the car more.
Even by the time I retired that car, I wouldn't say I was completly capable of pushing its limits.

My new -SE with the new ported engine makes a TON more power than stock. If I had driven this car back then I would have likely totaled it. It makes enough power to easily brake the rear loose in second with decent tires. I figure it'll be another year or two before I can safely push the limits of this car.