INSURANCE for new drive 2dr stick

[desii]

hi. well im having trouble find a car that i really like. i want atleast a TWO DOOR and i do want a stick shift. my mom keeps telling me my insurance will be HIGH beacuse 1 im only 16. 2. its probably going to be a honda. 3. if you get a 2dr and/or stick itll be even higher. my question was HOW MUCH HIGHER Would it be if i bought a 2dr and/or stick. we have 21st centry and i tried getting quotes but they wouldnt let me beacuse its only for a new person and plus u needed to know what car it was, year, mileage ETC.

thanks

[jabby_jabby]

Depends on where you live.

Here in Saskatchewan, where we have public, government insurance (god bless it), I pay the same amount for insurance being 21, owning a brand new red 2dr cobalt coupe with a spoiler with a stick, as a 45 year old would with a 4 door grey cobalt without a spoiler in an automatic.

In Ontario, where I am orginally from, I would be paying up the butt for insurance as it is private.

So it depends. If you live in a juridiction where the insurance is private, being 16, you will most definitely pay more for a 2 door with a stick than a 4 door with auto.

[desii]

dang well i live in california i have no clue if its private or not. guessing its private. but i think i MIGHT be able to get good student discount and stuff... i did find 2 drs automatics that i like i just have to call and talk to them about the miles since of course they never list it... thanks for the rply!

[jabby_jabby]

Oh, HOW much more is not something anyone here can tell you. Your rates (if insurance is private) are based on a whole shwack of different variables: car, doors, transmission, your age, your parents age, how much you make, how much they make, the mood of the quoter, the earth's axis, etc etc.

You can always try an online quote with numerous different insurance companies for some of the cars you're interested in.

[jabby_jabby]

Last post, promise

In Ontario, my Chrysler Cirrus cost me (between 17 and 20 years of age) around 2500 bucks a year to insure. This is with a spotless driving record, with driving school, being female, and driving a 4 door auto in pink. It was not unheard of for other young people in my circle of friends and aquaintances to be paying 5000 a year for a two door stick, even if the car was more than 10 years old.

In Sask, I'm paying less than 1500 a year for my brand spankin new cobalt. Here, the CAR is insured, NOT the person. They do NOT assess risk (they might charge a surcharge if you've had an accident when you go to renew however, but its usually less than 100 bucks a year, a one time thing). My mom freaked out on me when I told her I chose a red two door with a spoiler with a stick. I asked the insurance people, and they said it costs the same amount to fix a red car as it is a black one, so it really doesn't matter what colour or options you get, or your age, its always covered for the same amount across the board.

I love this province, for the way insurance works alone.

[drdisque]

Acutally, a lot of insurance companies don't know wheter your car is an automatic or a manual because in many cars that information is not contained in your VIN#.

Also, this guy does not live in Canada, so all this advice you're giving him on Canadian insurance is pretty worthless.

[desii]

i think all the advice is pretty good thanks you guys. i never knew the insurance companys wouldnt know if the car is a stick or automatic... but why is it that manuels are more expensive insurance, how do they find out... also would they be able to tell if its a 2 door or 4dr? thank you

[drdisque]

they don't find out. You probably just heard that they did from somebody who knew and just thought it was true.

Yes, they can tell if you have a 4 door or a 2 door.

[desii]

umm if that fact is true when maybe i think im going to start looking into buying a manuel car. i want something different from my family. all have toyotas and automatic 4 doors....