What would be the biggest sized engine i could get insured on for my first car at 17?

Question

for a reasonable price.

Answer 1

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In your particualr situation, you will need to need to be insured on your parent(s)' policy since you are only 17. You will need to be at least 18 to sign a contract - and an insurance policy IS a contract.  It has bee nmy experience that within the first 18 months of you getting a drivers license, you will have a wreck.  So, I wouldn't worry about getting the "big engine" until you get some driving experience under your belt.  There will be plenty of time as you get older (IF you get older) for the big engine cars!

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Answer 2

Engine size doesn't matter as much as type of car and type of engine.  Sports cars and turbo engines are much more expensive to insure, regardless of age but are sometimes impossible to insure when you are young.

Larger engines increase the OCN (Original Cost New) of a vehicle and that makes the collision and comprehensive insurance a bit more expensive but doesn't have much bearing on the liability coverage.  When you have a vehicle in mind and before you purchase it, get with an independent agent and ask them to work up a quote for you.  Factor that into the decision to purchase or not.  Good Luck.

Answer 3

Hey, Ronnie, Chester James Carville called and he wants his avatar back.  Listen, he's a 17 year old kid wanting to get a car.   At least he's got the forethought to ask about insurance, like many other guys his age would never even think of.  You know nothing about him, except that he wants a big engine in it.  Who could blame him for that?  I'm glad you aren't his parent, and if you have kids, I feel sorry for them.

Answer 4

If I was your parent, I would not let you have a car.

Why would you ask this question?