Need advice
Hey guys, I am looking to buy a Evo X. Just looking for a little advice to take with me through the buying process.
I am only 17 and am worried that insurance will be through the roof with it being force inducted and it will more than likely be getting some performance mods on it I.E exhaust cams ect. |
Mods won't factor into your insurance unless you tell them.
Can you get your parents to co-title it with you so you can be on their insurance? That would help. Insurance will be quite a bit, but shop around. Try AAA. |
If you're worried about insurance, get an estimate before even going in. IMO, not worth it if it's going to be through the roof as you say.
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I remember a thread a while back where someone, I think around age 20?, was looking at getting the X. Not sure how the thread ended but he was looking at around $4-6k every 6 months for insurance on a brand new 2015. It's a fast car, and when something bad happens to it, insurance gets to pay lots of money. Just wait til your 23-25 and insurance is a little cheaper before you get an evo.
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Originally Posted by Epyon
(Post 11601964)
I remember a thread a while back where someone, I think around age 20?, was looking at getting the X. Not sure how the thread ended but he was looking at around $4-6k every 6 months for insurance on a brand new 2015. It's a fast car, and when something bad happens to it, insurance gets to pay lots of money. Just wait til your 23-25 and insurance is a little cheaper before you get an evo.
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im 22 now and i pay $300 a month and my car payment is $70 more then my insurance
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If you're 17.looking est 300_400 better off put under your parents name it will help.
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Originally Posted by Epyon
(Post 11601964)
he was looking at around $4-6k every 6 months for insurance on a brand new 2015.
I agree that the evo isn't getting any younger and will be abused with time, but can you justify the ridiculous amounts of money every month just to buy one now? All that money could be saved up and spent on buying the evo in a few years. |
My $.02?
Rare is the young man/first driver who gets a high perf car and does not wreck it within one year. Your friends will egg you on to drive at stoopid speeds and do stunts. They will. Rarer still is the man who can say no... So fast-forward one year. That guy now has a accident and insurance is hard to find (and if he can find it - it is butt-hurt expensive) - they may even drop his parents from the policy. That guy can barely afford a Corolla and misses the EVO X and cries his'sef to sleep every night... So my advice? Perhaps you should buy the Corolla now and as suggested above, save the money. The EVO X (or better) will be there when you are ready and able... Again, just my $.02. Everyone is an exception. An extraordinary driver. Just ask them. |
I'm 26 going to be 27 and my insurance is high so I can only imagine. I personally wouldn't start with an evo. But if you can afford it go for it.
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Originally Posted by Epyon
(Post 11601964)
I remember a thread a while back where someone, I think around age 20?, was looking at getting the X. Not sure how the thread ended but he was looking at around $4-6k every 6 months for insurance on a brand new 2015. It's a fast car, and when something bad happens to it, insurance gets to pay lots of money. Just wait til your 23-25 and insurance is a little cheaper before you get an evo.
This is a 30k car, not a 100k car that a 17 year old will be trying to insure. I'd imagine his premium would be around 300 a month on his own then around 200 or so if he were on someone's policy that had a decent driving record, maybe less if he's lucky. |
Damn those insurance you guys pay are very high.
In my country I pay about $180 per year for my 2009. This being third party mandatory coverage only. If the car is less than 5 years old then I can get full coverage, with that our cost of insurance comes to 3.25% of the car's value per year. We pay a fee per year only, no monthly payments. I paid about $360 for my 2012 Subaru Legacy, full coverage, in February this year. I feel for you guys! |
Originally Posted by nvmaddog
(Post 11603112)
Do you have any idea what kind of driving record you would need to have in order for your payments to be that high?
This is a 30k car, not a 100k car that a 17 year old will be trying to insure. I'd imagine his premium would be around 300 a month on his own then around 200 or so if he were on someone's policy that had a decent driving record, maybe less if he's lucky. |
Originally Posted by Epyon
(Post 11603218)
I'm 24 with a clean driving record, and my insurance is $270 a month. It's absolutely insane, but it is what it is. If this kid can afford it then who am I to stop him, but I personally think that saving that kind of money is a better solution when you're still not even drinking age.
Now on to you paying 270 a month, if your driving record is clean and your credit is decent, you are over paying. Depending on your deductible choices of course. |
270 a month is definitely overpaying if you have a normal record. I'd definitely shop around. Try AAA.
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