im 16 and i want a 2005 eclipse, me and my mom were wondering how bad is insurence on this car ???
2006-10-17 13:27:53 · 6 answers · asked by allie j 1 in Cars & Transportation ➔ Insurance & Registration
Insurance for a 16 year old on any car is bad.
When you're dealing with a coupe (2 door) you will pay more than a foor door sedan. The Mits is considered an economy sports coupe which has higher repair and collision costs than a 4 door honda civic.
Look for a ride that is practical and looks nice. Call your mothers insurance agent and ask them what the rates for various models are and they will guide you to a select few that will fit your budget.
Good Luck
2006-10-20 18:00:56 · answer #1 · answered by bgdaddyzman 2 · 0⤊ 0⤋
I have a Mitsubishi Eclipse and my insurance is the same as the Taurus I had -- about $88 a month, full coverage. I think it doesn't matter what kind of car you insure at age 16, the premium is going to be higher than someone who is over 21. Why don't you do some research and show your mom, how much a variety of cars will cost to get coverage for. An Eclipse is not higher in cost just because it looks cool.
2006-10-17 20:32:12 · answer #2 · answered by Anonymous · 0⤊ 0⤋
It depends on what state you live in. Some states, like California (I can't remember what the program was called, it was nearly 20 years ago for me), have specially allocated insurance rates for teenagers who are listed as additional drivers on their parents' policies. Also, some insurance agencies (GEICO, Allstate) give special discounts to students who maintain a high GPA. I would recommend GEICO first. If you are a military family, definitely go with USAA, nobody can beat their rates. If you are a civilian family, GEICO will probably beat out every other agency in your area, and their service is outstanding. I would recommend looking there first as a baseline and see how the competitors' rates compare. Also, ask an agent about special rates for good students and other special provisions under the laws of the state you are in. Also, I know the Eclipse is a sexy, fun looking car, but do your homework and see what the maintenance requirement is, what the gas mileage is. There may be another great car (Honda del Sol or Prelude, Mazda Miata, etc.) that you would like just as much and has a lower cost of ownership. Look at the entire cost of the experience of owning the car, not just the sticker price. The sticker is just the beginning, and there are a lot of resources out there to get good info from. Look at Consumer Reports (you can get their buyer's guide at Barnes and Noble) used car buyer's guide. MotorTrend.com is another good, unbiased review of vehicles in that car segment. The Eclipse may turn out to be a great buy, but do your homework and really make sure you know what to expect. This will also give you great bargaining information to purchase the car with. It will be much more difficult for a salesman to take advantage of you if you have all the information.
2006-10-17 20:42:35 · answer #3 · answered by Been There 4 · 0⤊ 0⤋
Depending on driving record, age, and past insurance claims, it is no different than many mainstream cars. It does not fall into a dangerous sports car category, nor will it be a racing vehicle, right?
I have two Eclipse Spyders, 2001 & 2005. My insurance is reasonable with a good record and no claims. Both cars carry good insurance for a total under $1500.00 per year.
Do some shopping, and have an alternative vehicle for comparison. Good luck and I hope you get your car of choice.
2006-10-17 20:39:04 · answer #4 · answered by Michael K 3 · 0⤊ 0⤋
Not bad at all. Get quotes from a few brokers.
2006-10-17 20:39:25 · answer #5 · answered by Carlos R 5 · 0⤊ 0⤋
Go to esurance.com and you and your mom can plug your information in and get a free quote.
2006-10-17 20:35:36 · answer #6 · answered by Trice 1 · 0⤊ 0⤋