I am 13 and my mom says I have ti pay for my own car insurance!?! GRRRR~~?

Question

Im 13 and next year, i am getting a family members car at 14 (in south dakota you have to be at least 14 to drive) and my mom says i have to pay for it all by myself...! Hello...????!! Its hard to get a job at 14 and i have a job (I usually dont go because its a family job) But i can only go twice a month and i get 50$ a month. Is my mom wrong or right?

Answer 1

You know what? If most mothers did what yours is doing, kids your age and older would not be so eager to speed, drink & drive, and/or destroy the vehicle simply because THEY would have to pay for it and not their parents! Your mother is right. By the time you get your license and save for or scrimp for your insurance payments, I will bet you will make sure nothing happens to your car (and inadvertently, yourself) because you're going to have a clear understanding of just what it means to have the responsibility of a car and insurance. You think paying for car insurance is hard? Try paying the house mortgage, house insurance, groceries, gas, clothing and shoes for the entire family, satellite or cable television, computers and the Internet providers, Iphones, Ipods, plumbing, medicine and medical insurance and the million other (and many time unexpected) costs of living! You may be pi**ed at your mother right now, but you will absolutely LOVE her a million times more as you grow older. Trust me, I know what I'm saying.

Answer 2

I don't blame them! Insurance can run anywhere from 2500 to 3500/yr. depending on where you live for an inexperience driver.

Answer 3

Middle schoolers don't pay bills and they don't drive cars!

Answer 4

I suggest you get to work!

Being willing to work for something you want, like car insurance and the ability to drive, shows your parents that you have some responsibility skills that will help you later in life.  It gives you a good smack in the head as to what your future will feel like... having to work and pay for things.

Answer 5

Your mother is right.  She sees that you have a job, and wants to see if you are mature enough to take the responsibility of a financial burden.  This is a big step for you to proving to your parents that you are almost an adult.  If you handle this in a sober and determined fashion, they will most likely want to reward that behavior.  See if you can get more hours at your job if you need more money.  If not, save the money you do make, and try to forego things such as buying ice cream and whatnot when your friends do.  Tell your parents (but not in a whining fashion) about these little sacrifices, and prove to them you are willing to make more.  It's not easy, but at the end you will find yourself stronger, and your parents will respect you.

Answer 6

Frankly, she's wrong. Her expectation of you is excessive at this point.  

Answer 7

Your moms doing a right thing in doing this as it will teach you responsibilty. I respect your mother for this. So its like this if you cant pay for it then you dont deserve to drive it

Answer 8

Well a 13 year old paying for insurance sounds a little strange because it's hard to pay for that at 13. Why not pay half and your parents pay half?  

Answer 9

i think that shes wrong your only 13 and shouldnt have to pay for insurance maybe if you were 16 but its hard to get a good job at 14.  

Answer 10

oh dam. i know how you feel.... my family is super poor and i have to pay for everything i want... but it depends on your families wealth. at 50 dollars a month, i think you could b able to pay, but it depends. could your parents pay the car insurance without having to drop anything important or even semi important? cuz if they could, i think they should pay.

Answer 11

well heres wut i did. go to ur school office and ask fer working papers. as long as ur 14 u can get them. have ur parents fill em ouot. wen u give the parpers bac to the school office they will fill out and make a card for u! u should get it about 2 maybe 3 days later. then search around at restaurants and gasstations untill u find one that offers 14 year olds jobs. i have a job at a farm. anyways the working papers are active till ur 16. then they expire. then u get a normal job. and this is the BEST part! they have to pay u normal salary.......!!!!!!!! i hopee i helped!

Answer 12

you can drive at age 14 in S.D. ? OMG what is the age for marriage, like 13? ya want a date?

seriously I think your mom should help you out a little. if you just got a get pl pd then check on the prices and show a little more responsibility and maybe she see dat and help ya out....

you mean you can drive at age 14? OMG

Answer 13

Even though you do not want to hear this I believe she is right. It will help in teaching you a sense of responsibility. I do agree that it is hard to find a job at 14 but you say you can work at the family business to get paid. Why not work just to make what you need for the insurance? You are getting the car for free, be happy and do what you have to do to be able to drive it.  

Answer 14

YOu are not the only one,I have ever met the similiar problem before.I have good experience here though.http://carinsurance.expertsupport.info/a...

Answer 15

Your mother is absolutely right. 100 %. If you believe you are responsible enough to drive a car at 14 then you darn well better be responsible enough to pay the insurance as well as the oil changes...30 dollars every 3 months.  New tires every couple of years 250.00. Gas... $40 a week. Are you certain you want this car? Oh and car washes $5 every week.

Did I mention car maintenance?  Tune ups start at $125.00. Front brakes about $150.00. Rear brakes about $250.00. Air filters about $25.00. Should I go on? What if something major happens to your engine?

Answer 16

Your mom is spot on. She has the right to expect you to pay for your own car insurance, why should she have to pay for something that has little effect or benefit on her ? besides that it will act as a stepping stone to reality, because mom won't be around forever to support you and pay for everything, so get your feet wet and pay for insurance, if it gets to be too much than ditch it and take the bus

good luck !

Answer 17

I've been paying for my own car insurance since I was 16. I'm 20 now, so you do the math.

Be glad that your insurance is NOTHING compared to what I pay monthly.

I have a 2001 Jeep Wrangler, with full coverage. The insurance ALONE, is about $440.00 a month. The car PAYMENT is 226.20 per month.  (That's right...my car is approximately 666.20 a month. Creepy.) But that's what I get for living in Boston, eh?

My mom hasn't payed a dime on my car since I got it, so learning how to pay for your own car may be good experience.

Good luck.  

Answer 18

I think that she is both wrong and right. I am 17 (in florida u have to be 15 to drive with permit) i also have to pay my car even though it was used and my insurance. I dislike it also because i only make about 300 a month at the most... so i sat down and tried to make a deal with my mother. Ask her if u can pay half? or maybe even less... try to make a spot in the middle where both of u can see eye to eye

Answer 19

wow thats crazy lol..u cant even get a job at 14..well then its very very hard...i didnt have to pay for mine till i wa slike 19 or so lol

you are only 13 years old...i could see maybe at 16...but come on people shes in middle school...lol middle schoolers dont pay bills...they do chores

Answer 20

At least you can drive at 14, where I live you have to be 16 :(

Answer 21

Your mom is right.  Driving is a privilege, not an entitlement.  She's probably also trying to teach you responsibility.   If you're the one paying you might be more likely to behave more carefully.

Answer 22

She is correct. Why should she buy you a car and pay for the insurance so you can drive around with your friends? If you want a car and you want to drive you need to take care of that yourself.

She clothes you, feeds you, houses you, pays for your medical, pays for anything else you need and want and a car is not something she is obligated to also furnish you with all at her cost.

When your car breaks down who is going to pay for it? Who is paying for insurance, whihc at your age will be very costly? Who is going to pay for your gas so you can drive around? Who is going to pay for your drivers education and licensing fees? Who is going to pay for tabs and emissions on your car? I will tell you who, THE PERSON WHO DRIVES IT, which is you. If she is nice enough to help with some costs then you should consider yourself very lucky.

You will thank her for it later. It will teach you the value of a hard earned dollar. It will teach you to value what she does for you because paying for and supporting a child is very costly, even without adding in things like cars, computers, cell phones etc.

You will soon learn how to budget and how every dollar counts. It will be good for you so when you're on your own you have some experience with it. Before you are fully supporting yourself.

Answer 23

Honestly, my parents pay my car insurance, and I'm almost 20. But that is the ONLY thing they pay, I pay rent, gas, electricity, phone bill, and others.

If your only responsibility right now is car insurance and you're going to be the one driving that car, I don't think it's too much to ask for you to pay for it.

It's probably not cheap to insure a 14 year old (i didnt even think you could legally drive that young). If you arent old enough to pay the costs, you shouldnt get the privellage.

Answer 24

She's right sweetie...i mean how lucky are you to be driving out there at 14! i live in cali and i'm 18 turning 19 and i barely made an appt. to the dmv to get my license! evidentally in cali you have to be at least 16 but now i think they are changing it to 18 b/c more &&& more accidents are happening b/c of the youths who are barely learning.

Also i know for a fact your mom wants you to get it yourself not to be mean or punish you in anyway but to make you more independent!

So don't feel bad about it FEEL proud of the accomplishments you're making all by yourself in life! At your age i was working as well and was independent since...

=]

Answer 25

Um. well my mom did this to me and i didn't like it. I envied all the other kids whose parents provided them with everything (they didn't even have to pay for gas) But it did teach me to be financially wise and i am so much more knowledgeable than other people my age. I think that with your limited resources and job opportunity she should pay for some of it (like half and half if that's reasonable) good luck with that! Start saving!!!

Answer 26

Lol! I have had to pay my own insurance ever since I got a car. I don't know why you only have to be 14 to drive, but that sounds really fake. That's WAY to young to be driving a car. Atleast by yourself. I thinks that she is trying to tell you your to young and you don't need to worry about driving right now. My advice would be to wait till your 16 like everyone else.

Answer 27

Your mum is wrong, of course she is because adults are ALWAYS wrong!!!

Just raise h**l till she'll buy you comprehensive insurance AND pay the mobile phone bill.

Go girl go! LOL.

Answer 28

i would have to say right because if u want to drive then u have to learn how to pay for your own gas insurance and car it teaches u responsibility and gets u ready for somethings to expect BILLS

Answer 29

If you want a car, you have to pay for it, all of it.  You have to pay for the car, the insurance, the repairs.  If you are not ready to do this, then you do not deserve a car.

Cars are expensive to keep and maintain.  If you think it is something you get for free, you are wrong.  I made my kids pay for it all and they turned out fine.  No free lunch here.  The older one totalled his first car and had a second accident in another within the month.  His insurance went to $3500.  He had to pay for it all.  Now he appreciates the value of a car.  Spoiled brats don't.

Answer 30

Good for your mom!  Driving is a privilege, not a right.  You're already getting a car handed to you, which is more than most kids get.  If you can't get a job, then you aren't ready for the responsibility of driving.  

The fact that you're flaking out on your job because it's a "family job" tells me that you're not mature enough yet.  The only thing your mom is wrong about is letting you drive when you're clearly not ready.  

Answer 31

Well because you are so young ( and lucky that u can be so young and drive) I think your mom is doing the thing because if I were her I would only give u a car at 16 or 18