22 year old cosigning with parents for new car

[MaxPower311]

Hi everyone!

Im a 22 year old college female getting ready to move out on my own for vet school in the fall. I'm officially "cut off" from my parents so i'll be taking out loans for school, car, apartment, books, etc. My parents are cosigning for me though on the car. They're trying to tell me what to get and such and that i'm not allowed to get a convertible b/c insurance is too high. They want me to get a civic. This makes no sense to me b/c the insurance is real high on civics. Is this always a rule that I just cannot get a cute, cheaper convertible (like a miata) with not horrible insurance?? I've looked on the internet and that seams to be the case.

[sickcallawayc12]

Being a target for thieves is one thing that probably makes convertibles high, but that's just a guess. Maybe those old VW Golf convertibles or whatever those were, possibly a Del Sol may be cheaper insurance alternatives. for the most part, civics, Eclipse, Cavalier, any car that's a popular "riced out" ride will most likely be on the high side. Get a list of all vehicles you will consider and get insurance quotes from your provider.