how much is insurance for beginner

[Nerdie]

Hi~ I've got some questions for insurance:
- what's the regular price of insurance for a beginner like me?
- what's the difference whether i'm under the insurance of my family or not ?

here's my info:
- I'm turning 18 in Sept. I'm getting G2 in Oct.
- I went to driving school and took the driving courses.
- I'm thinking of getting a used car for 3000-5000 dollars.

Thank you for your help!!! :D

[thrifthunter]

Why don't you call some insurance companies?

[aqnd]

Its going to be the same price you're thinking of paying for a car.
But.. costs that every year. :p
If you live with your parents, get on as secondary on theirs. Save getting your own car for a couple years.

[Ballroomblitz]

Your location says Maple, so I am guessing Maple, Ontario.

I would expect your insurance to be upwards of $5K for your own insurance, quite the premium but we in Ontario are getting the short end.

Going as a second driver under your parents insurance I would expect premiums of about $1K per year. The driving course saves another 10 - 15%, however getting an 80 average in school will save you more that the course will. I put my 17 year old son who just passed his G2 a few months ago under my policy...total monthly for him with driving school, good grades, watching a insurance company video of driving accidents and his overall rate ended up being about $65 per month with all discounts.

[Matrixvibe]

It will be very costly if you are the primary driver... get one of your parents to be the primary and have them put you on as secondary...

[MrDisco]

- what's the regular price of insurance for a beginner like me?

Easiest thing to do is to use a calculator like:
http://www.insurancehotline.com/car-insurance-quotes/
https://www.belairdirect.com/
http://www.tdinsurance.com/products-services/auto-insurance/tdin-auto-index.jsp
etc.

[Nerdie]

Does "secondary driver" mean two people share one car, or they both have separate cars but under the same policy?

[gouki556]

Probably like 7000

[zzz3]

Probably like 7000

http://img19.imageshack.us/img19/4893/hk6ze.jpg

[aqnd]

Does "secondary driver" mean two people share one car, or they both have separate cars but under the same policy?

More drivers than cars.

[Nerdie]

okay. Thanks for all ur replies :)

[Nerdie]

wait, one more question:

if my car, which is under the policy of my parents, is involved in a accident, how much will the price of the whole policy rise? thx :)

[mofesto]

Get a quote at Kanetix.ca - just use a fake name and email so you can try again with different combinations (ie. being primary driver or a secondary driver; having your G license instead of just your G2; etc...) Also try again a week later - the prices seem to fluctuate - I don't know why, they are just better some days than others.

[yao416]

Get insured under your parents

[Inphinity]

They charge you an arm and a leg, no matter what. I don't have many discounts, I'm 18 with my g2 and have been driving for about a year as a secondary driver on my parent's 2005 accord dx. I pay about $90 a month with Allstate. We never took advantage of any discount really. Probably multi-vehicle and that's about it.

By getting insured as a secondary driver you're paying a lot less since you're basically saying you only drive it on the odd occasion, meaning you're less of a risk. But I think you need one of those guys like cosmic from the insurance thread to give you a "textbook" answer.

Trust me, I feel your pain. I don't even have the motivation to go for my G since it's just saying, "oh, if you get this and wait a couple years, your insurance premiums will eventually become bareable." Getting the car is not a problem, getting affordable insurance is. When you end up paying for more than what's the car is worth yearly, it's really discouraging. In your search for a used car, don't even bother looking at it unless it has 4 cylinders and takes about 10 lifetimes to get up to highway speeds. What your best bet would be is to get a list of prospective vehicles (minding what I mentioned earlier ;P) and take them to your insurance agent and see what's cheap.

[Swswswish]

Assuming you are a male,

Secondary is usually $100 - $130
Primary is $550 to $1k

If you are going primary, TD and desjardins are your only choice

[COSMIC5]

best thing is to call your parents broker and get a quote from her. :) they may have some family auto discount or something similar...