Turning 16 in couple months...
02-09-2004, 03:17 PM
#41
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i'm 19 got my 454 Powered Chevelle when i was 17....i was just responsible...with it....i dont like going 100mph...i just like 0-80 blasts..i've not once spun a car out (knock on wood) i've tried countless times to spin the SS out and i can't do it...the car just handles so awesome...i can pull outa somewhere and keep the car completely sideways for quite some time without a hint of going around the chevelle is a differnt story...very hard to keep sideways...lots of throttle steering...but i do agree someone who is 16 shouldn't have anything fast i had a One Ton 4x4 truck for my first vehicle...topped out at a whopping 85-90...i also pay for my own SS i've had my CDL for almost a year now and make 22$ an hour driving truck for my dad if someone wants to buy their kid an SS than they obviously either trust the kid or have no idea about a LS-1 powered car...you can be any age and get hurt...i had a good freind pass away this summer whose 24 was riding a GSXR 750...lost control hit a car head on...he was the BEST rider i'd ever seen...my point is...if somone whose under 18 or whatever gets an LS-1 powered car..more power to them....should they have it..not really...
02-09-2004, 03:26 PM
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I am 17 and have had the car since I was 16. I admit this car is in no way a car for kids. I bought the car for the power because I plan to use it. If I ever race on the street, it is never through traffic. (People who race through traffic SUCK) I work 17-19hrs a week, and all money goes to my car in one way or another. I have learned resposibility, and I have learned that I am driving a killing machine also. I have developed more respect for my car then some of you, after spining out twice, and hitting something in the road and losing control. I paid the price!! I had friends reconsider the type of person I am, a local car club I have done stuff with gave me a hard time for it too. Plus footing the bill on the tires wheels and alignment! After it all, I realized I love this car too damn much to lose it, to drive like a jackass, and other things as well. I am sorry for those who don't feel the same way about their cars, who haven't had the shock of losing control, some of you cocky basterds might say it comes with experience, well fu*k that. Getting your f-in pants scared off, and spinning around will do it. That is what did it for me, as well as many others!! I agree with DeepBlueZ too, you have no right to judge my parents!! I may be 17, but as long as I own this car, I will take good care of it, and never think twice on how I got it, or how I can lose it.
You sir are in Jackass Category #6.
You sir are in Jackass Category #6.
02-09-2004, 03:37 PM
#43
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You sir are in Jackass Category #6.[/QUOTE]
hahaha agreeed....with driving comes EXPERIENCE...i've never lost control of a car...its all about self and vehicle control...knowing when to slow down or lay outa the throttle....
hahaha agreeed....with driving comes EXPERIENCE...i've never lost control of a car...its all about self and vehicle control...knowing when to slow down or lay outa the throttle....
02-09-2004, 03:54 PM
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You admit to racing on the street and somehow think you proved me wrong. Amazing the mentality of kids today. I fully expect you to not agree with me. But that doesn't make me wrong. I was a teenager once myself who thought I could handle anything, mature as any adult out there and most importantly immortal. I really do understand where you teenagers are coming from. I thought the same way back then myself.
It's your parents I can't figure out. The "it'll never happen to me" is an assuring concept until something goes wrong. I heard the "I only race on the street when it's safe" routine so many times it's pathetic. Racing on the street is dangerous. Period. Adults do it too and they are just as wrong. But if a adult makes a mistake his parents wouldn't be at risk for getting sued. A 16 & 17 year olds would.
Once apon a time there was a couple who had a teenage son. The son got good grades and worked part time after school. They decided to help him get a LT1/LS1 by putting the car in thier name, putting him on thier policy and letting him pay for the payments. They trusted thier son who assured them he wouldn't speed or race the car. Then one day a friend at school with a mustang wanted to race him in his Camaro. He declined at first but when the Mustang kid kept calling him a pu**y he finally gave in and agreed to race. They went out on a deserted road with a bunch of kids who wanted to watch. They raced to 140 MPH and suddenly something went wrong and the Camaro driver lost control of his car. The car went off the road and smacked into a wall. The teenager was killed instantly and his parents were notified of thier sons death. They grieved the one thing no parent should ever have to endure. Burying thier child.
Now the parents will likely spend the rest of thier lives kicking themselves for ever allowing thier child to have a car that they were not ready to handle. If they had gotten him a Ford Escort or Chevy Cavalier as his first car would he still be here today? No one can say for sure but probably. It's not a flame that you shouldn't have such a powerful car as your first or while your still a minor. I know you think it is but it's not. It's simply the truth. I want to help my kids stay out of danger not tempt them into it.
You say that makes me a jacka$$ but I say it makes me a responsible parent.
It's your parents I can't figure out. The "it'll never happen to me" is an assuring concept until something goes wrong. I heard the "I only race on the street when it's safe" routine so many times it's pathetic. Racing on the street is dangerous. Period. Adults do it too and they are just as wrong. But if a adult makes a mistake his parents wouldn't be at risk for getting sued. A 16 & 17 year olds would.
Once apon a time there was a couple who had a teenage son. The son got good grades and worked part time after school. They decided to help him get a LT1/LS1 by putting the car in thier name, putting him on thier policy and letting him pay for the payments. They trusted thier son who assured them he wouldn't speed or race the car. Then one day a friend at school with a mustang wanted to race him in his Camaro. He declined at first but when the Mustang kid kept calling him a pu**y he finally gave in and agreed to race. They went out on a deserted road with a bunch of kids who wanted to watch. They raced to 140 MPH and suddenly something went wrong and the Camaro driver lost control of his car. The car went off the road and smacked into a wall. The teenager was killed instantly and his parents were notified of thier sons death. They grieved the one thing no parent should ever have to endure. Burying thier child.
Now the parents will likely spend the rest of thier lives kicking themselves for ever allowing thier child to have a car that they were not ready to handle. If they had gotten him a Ford Escort or Chevy Cavalier as his first car would he still be here today? No one can say for sure but probably. It's not a flame that you shouldn't have such a powerful car as your first or while your still a minor. I know you think it is but it's not. It's simply the truth. I want to help my kids stay out of danger not tempt them into it.
You say that makes me a jacka$$ but I say it makes me a responsible parent.
02-09-2004, 04:16 PM
#45
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Originally Posted by darrensls1formula
You admit to racing on the street and somehow think you proved me wrong. Amazing the mentality of kids today. I fully expect you to not agree with me. But that doesn't make me wrong. I was a teenager once myself who thought I could handle anything, mature as any adult out there and most importantly immortal. I really do understand where you teenagers are coming from. I thought the same way back then myself.
It's your parents I can't figure out. The "it'll never happen to me" is an assuring concept until something goes wrong. I heard the "I only race on the street when it's safe" routine so many times it's pathetic. Racing on the street is dangerous. Period. Adults do it too and they are just as wrong. But if a adult makes a mistake his parents wouldn't be at risk for getting sued. A 16 & 17 year olds would.
Once apon a time there was a couple who had a teenage son. The son got good grades and worked part time after school. They decided to help him get a LT1/LS1 by putting the car in thier name, putting him on thier policy and letting him pay for the payments. They trusted thier son who assured them he wouldn't speed or race the car. Then one day a friend at school with a mustang wanted to race him in his Camaro. He declined at first but when the Mustang kid kept calling him a pu**y he finally gave in and agreed to race. They went out on a deserted road with a bunch of kids who wanted to watch. They raced to 140 MPH and suddenly something went wrong and the Camaro driver lost control of his car. The car went off the road and smacked into a wall. The teenager was killed instantly and his parents were notified of thier sons death. They grieved the one thing no parent should ever have to endure. Burying thier child.
Now the parents will likely spend the rest of thier lives kicking themselves for ever allowing thier child to have a car that they were not ready to handle. If they had gotten him a Ford Escort or Chevy Cavalier as his first car would he still be here today? No one can say for sure but probably. It's not a flame that you shouldn't have such a powerful car as your first or while your still a minor. I know you think it is but it's not. It's simply the truth. I want to help my kids stay out of danger not tempt them into it.
You say that makes me a jacka$$ but I say it makes me a responsible parent.
It's your parents I can't figure out. The "it'll never happen to me" is an assuring concept until something goes wrong. I heard the "I only race on the street when it's safe" routine so many times it's pathetic. Racing on the street is dangerous. Period. Adults do it too and they are just as wrong. But if a adult makes a mistake his parents wouldn't be at risk for getting sued. A 16 & 17 year olds would.
Once apon a time there was a couple who had a teenage son. The son got good grades and worked part time after school. They decided to help him get a LT1/LS1 by putting the car in thier name, putting him on thier policy and letting him pay for the payments. They trusted thier son who assured them he wouldn't speed or race the car. Then one day a friend at school with a mustang wanted to race him in his Camaro. He declined at first but when the Mustang kid kept calling him a pu**y he finally gave in and agreed to race. They went out on a deserted road with a bunch of kids who wanted to watch. They raced to 140 MPH and suddenly something went wrong and the Camaro driver lost control of his car. The car went off the road and smacked into a wall. The teenager was killed instantly and his parents were notified of thier sons death. They grieved the one thing no parent should ever have to endure. Burying thier child.
Now the parents will likely spend the rest of thier lives kicking themselves for ever allowing thier child to have a car that they were not ready to handle. If they had gotten him a Ford Escort or Chevy Cavalier as his first car would he still be here today? No one can say for sure but probably. It's not a flame that you shouldn't have such a powerful car as your first or while your still a minor. I know you think it is but it's not. It's simply the truth. I want to help my kids stay out of danger not tempt them into it.
You say that makes me a jacka$$ but I say it makes me a responsible parent.
my only problem is with you telling me im not fit to handle the power of my own car. firstly, its not my first...i spent 16 and most of 17 tooling around in a 17 second 3.8 mustang. secondly, i dont fall into the category of kids who think theyre invincible...speed is a scary thing...i was once going about 80 when a woman cut directly in front of me, in the process of avoiding her i over-corrected a swerve and ended up losing control...the car headed for a number of trees and i was barely able to steer my way out of a wreck before i came to a stop in the middle of the road in a cloud of tire smoke. bottom line....i screwed up and i learned from it.
i understand your views and as i said, in some cases i agree with them. however, i think you over-generalize the situation. In my personal case, i respect speed and i dont toy with it carelessly. a friend of mine from high school passed away last year when his lexus hit an ice patch at 55 mph....i know the effects of a 3000+ pound mass of steel hitting a stationary object and the physical and psyochological damage that it can do...with the exception of when i feel it is completely safe and i let loose a little bit, my day to day driving is just as good as anyone else. Im not reckless. I care about my car and more importantly i care about my life, the lives of other motorists and the emotions of mine and their friends and families.
nobody is saying you were never an impressionable, naive teenager. everyone goes through the stage and you obviously know what you're talking about. but please have enough faith to know that SOME of us who u see to still be in that stage are a bit wiser then you give us credit for.
thanx for your time.
02-09-2004, 04:30 PM
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Originally Posted by DeepBlueZ
allow me to revise my earlier statements....in most ways i understand you...your arguments make sense and show that you are a parent who knows whats going on...im not denying that...
my only problem is with you telling me im not fit to handle the power of my own car. firstly, its not my first...i spent 16 and most of 17 tooling around in a 17 second 3.8 mustang. secondly, i dont fall into the category of kids who think theyre invincible...speed is a scary thing...i was once going about 80 when a woman cut directly in front of me, in the process of avoiding her i over-corrected a swerve and ended up losing control...the car headed for a number of trees and i was barely able to steer my way out of a wreck before i came to a stop in the middle of the road in a cloud of tire smoke. bottom line....i screwed up and i learned from it.
i understand your views and as i said, in some cases i agree with them. however, i think you over-generalize the situation. In my personal case, i respect speed and i dont toy with it carelessly. a friend of mine from high school passed away last year when his lexus hit an ice patch at 55 mph....i know the effects of a 3000+ pound mass of steel hitting a stationary object and the physical and psyochological damage that it can do...with the exception of when i feel it is completely safe and i let loose a little bit, my day to day driving is just as good as anyone else. Im not reckless. I care about my car and more importantly i care about my life, the lives of other motorists and the emotions of mine and their friends and families.
nobody is saying you were never an impressionable, naive teenager. everyone goes through the stage and you obviously know what you're talking about. but please have enough faith to know that SOME of us who u see to still be in that stage are a bit wiser then you give us credit for.
thanx for your time.
my only problem is with you telling me im not fit to handle the power of my own car. firstly, its not my first...i spent 16 and most of 17 tooling around in a 17 second 3.8 mustang. secondly, i dont fall into the category of kids who think theyre invincible...speed is a scary thing...i was once going about 80 when a woman cut directly in front of me, in the process of avoiding her i over-corrected a swerve and ended up losing control...the car headed for a number of trees and i was barely able to steer my way out of a wreck before i came to a stop in the middle of the road in a cloud of tire smoke. bottom line....i screwed up and i learned from it.
i understand your views and as i said, in some cases i agree with them. however, i think you over-generalize the situation. In my personal case, i respect speed and i dont toy with it carelessly. a friend of mine from high school passed away last year when his lexus hit an ice patch at 55 mph....i know the effects of a 3000+ pound mass of steel hitting a stationary object and the physical and psyochological damage that it can do...with the exception of when i feel it is completely safe and i let loose a little bit, my day to day driving is just as good as anyone else. Im not reckless. I care about my car and more importantly i care about my life, the lives of other motorists and the emotions of mine and their friends and families.
nobody is saying you were never an impressionable, naive teenager. everyone goes through the stage and you obviously know what you're talking about. but please have enough faith to know that SOME of us who u see to still be in that stage are a bit wiser then you give us credit for.
thanx for your time.
Unfortunately the responsible ones are outnumbered by the irresponsible ones. It becomes difficult for any parent to truly know which one thier child will be. But if I had to guess the odds arn't good. Perhaps my use of the term = bad parent was misworded. I'll edit it to say Naieve parent. For the teenagers who truly don't street race, exceed to rediculous speeds on the highway (at least on occasion) and drive like a bat out of hell then they are not part of my original list. There are exceptions to any rule but I won't play the odds with my kids. I want them to have transportation not a toy they will race and not respect.
Good luck to you and good luck with your car.
02-09-2004, 04:35 PM
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Originally Posted by darrensls1formula
Unfortunately the responsible ones are outnumbered by the irresponsible ones. It becomes difficult for any parent to truly know which one thier child will be. But if I had to guess the odds arn't good. Perhaps my use of the term = bad parent was misworded. I'll edit it to say Naieve parent. For the teenagers who truly don't street race, exceed to rediculous speeds on the highway (at least on occasion) and drive like a bat out of hell then they are not part of my original list. There are exceptions to any rule but I won't play the odds with my kids. I want them to have transportation not a toy they will race and not respect.
Good luck to you and good luck with your car.
Good luck to you and good luck with your car.
This post i won't argue with. I sometimes wonder what goes through the minds of some of my peers. BTW: thank you.
02-09-2004, 04:54 PM
#48
I think I am a better driver that my parents let me get my IROC when I was 16. I had my fair share of stupid incidents, but i've learned A LOT from it.
225hp/330tq IROC (probably ran high 14's) at 16.
205hp/285tq GT (14.3 @ 96) at 18
310hp/340tq Z28 (13.0 @ 111) at 20.
My parents support me and my hobby because they know it's something that I love. My step dad was into cars when he was young, and he is part of the reason I was allowed to get my IROC. They trusted me, and I never let them down. I had an accident in my IROC, but it wasn't because I was messing around.
I have paid for my IROC, GT, and Z28 all by myself. I have paid all the insurance myself. I have paid for all the mods myself. Sure, I might be an exception to the influnential, impressionable teenager, but this is me, and this is how I am, no matter what someone says about my Naive parents.
225hp/330tq IROC (probably ran high 14's) at 16.
205hp/285tq GT (14.3 @ 96) at 18
310hp/340tq Z28 (13.0 @ 111) at 20.
My parents support me and my hobby because they know it's something that I love. My step dad was into cars when he was young, and he is part of the reason I was allowed to get my IROC. They trusted me, and I never let them down. I had an accident in my IROC, but it wasn't because I was messing around.
I have paid for my IROC, GT, and Z28 all by myself. I have paid all the insurance myself. I have paid for all the mods myself. Sure, I might be an exception to the influnential, impressionable teenager, but this is me, and this is how I am, no matter what someone says about my Naive parents.
02-09-2004, 04:56 PM
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Originally Posted by DMNSPD
I think I am a better driver that my parents let me get my IROC when I was 16. I had my fair share of stupid incidents, but i've learned A LOT from it.
225hp/330tq IROC (probably ran high 14's) at 16.
205hp/285tq GT (14.3 @ 96) at 18
310hp/340tq Z28 (13.0 @ 111) at 20.
My parents support me and my hobby because they know it's something that I love. My step dad was into cars when he was young, and he is part of the reason I was allowed to get my IROC. They trusted me, and I never let them down. I had an accident in my IROC, but it wasn't because I was messing around.
I have paid for my IROC, GT, and Z28 all by myself. I have paid all the insurance myself. I have paid for all the mods myself. Sure, I might be an exception to the influnential, impressionable teenager, but this is me, and this is how I am, no matter what someone says about my Naive parents.
225hp/330tq IROC (probably ran high 14's) at 16.
205hp/285tq GT (14.3 @ 96) at 18
310hp/340tq Z28 (13.0 @ 111) at 20.
My parents support me and my hobby because they know it's something that I love. My step dad was into cars when he was young, and he is part of the reason I was allowed to get my IROC. They trusted me, and I never let them down. I had an accident in my IROC, but it wasn't because I was messing around.
I have paid for my IROC, GT, and Z28 all by myself. I have paid all the insurance myself. I have paid for all the mods myself. Sure, I might be an exception to the influnential, impressionable teenager, but this is me, and this is how I am, no matter what someone says about my Naive parents.
02-09-2004, 05:25 PM
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Originally Posted by tuffluck
what kind of car are you getting? please tell me not an ls1...i steer clear of 16 year olds with 4 cylinder trucks. i may have to stop driving if 16 year olds start driving ls1's.
seriously though, not to knock on you, but 16 year olds behind ANY wheel is more dangerous than a half blind 50 year old behind a semi. when i think about how bad of a driver i was when i was 16, i wonder how i'm still alive. and i drove a 1989 astrovan!!
get something less powerful first
seriously though, not to knock on you, but 16 year olds behind ANY wheel is more dangerous than a half blind 50 year old behind a semi. when i think about how bad of a driver i was when i was 16, i wonder how i'm still alive. and i drove a 1989 astrovan!!
get something less powerful first
Very icy corner doin about twenty in our sub division. A little Saturn comes around the corner and we're both like OH ****! We hit our front left, to his back left. Neither of us were wearing seatbelts because you dont have to here in Indiana. It was a light hit, but it was still $3400 in damage. The truck was bought for that much. We just scrapped the truck today. Took both subs and the amp out and everything else he had done to it. Wasnt fun in this cold weather.The car im looking at is a 94 Caprice with an LT1. I just got off the phone with the owner and everything sounds nice on it. $3600 for it. And trust me, Ive been driving already for 5 years. Im not going to be a dumbshit driver like everyone else I see. Ever wonder why people in Ohio drive the same speed in all the lanes on their highway system? Formation Driving I call it...
02-09-2004, 07:57 PM
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I am 18 and i have it under my parents name but my friend who was 16 and had only 1 ticket was quoted just shy of $500.00 a month so he went with a V6.
02-09-2004, 08:13 PM
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Unfortunately for him, the prices you guys pay are completely meaningless. Insurance rates are different for everyone. Firstly... If youre looking to get insurance at age 16 youre gonna have a hard time, no doubt about it... I can tell you straight out GEICO wont insure you on your own until youre 18.
If theres one thing I can suggest as an insurance agent its GET your parents to add you to their policy. Its completely legal, you will save SO much money, wont have the fear of being easily dropped and paying more, etc. As a 16 yr old on your own insurance youre going to take it in the back door with no KY, and while I understand WHY they charge so much (no offense I see stupid kids splatter themeselves all over the side of the expressway often), if theres a way for you to save do it. GEICO offers a very nice feature of if your parents are insured by us and youre on their policy and you spin off to your own when youre 18 or whatever age you decide we will honor their rating category placement, (as long as you have no additional tickets or accidents we dont know about). This saves you hundreds or even thousands compared to if you went out to an outside company. I am not aware if any other company offers that.
As for trying to get a Camaro, Firebird, etc, some agents wont even insure those cars for you. Most will, but any LS1 car is gonna have a performance surcharge. Unfortunately for you a performance surcharge is based on percentage, so if youre paying a lot already the surcharge will be A LOT MORE. There was some good advice in theis thread, take it... Nothin beats a nice hoopty for your first car, learn the rules of the road, get more mature so you can handle a faster car. I know if I had a Trans Am when I was 17 I would never have been here to talk to you guys about this.
If theres one thing I can suggest as an insurance agent its GET your parents to add you to their policy. Its completely legal, you will save SO much money, wont have the fear of being easily dropped and paying more, etc. As a 16 yr old on your own insurance youre going to take it in the back door with no KY, and while I understand WHY they charge so much (no offense I see stupid kids splatter themeselves all over the side of the expressway often), if theres a way for you to save do it. GEICO offers a very nice feature of if your parents are insured by us and youre on their policy and you spin off to your own when youre 18 or whatever age you decide we will honor their rating category placement, (as long as you have no additional tickets or accidents we dont know about). This saves you hundreds or even thousands compared to if you went out to an outside company. I am not aware if any other company offers that.
As for trying to get a Camaro, Firebird, etc, some agents wont even insure those cars for you. Most will, but any LS1 car is gonna have a performance surcharge. Unfortunately for you a performance surcharge is based on percentage, so if youre paying a lot already the surcharge will be A LOT MORE. There was some good advice in theis thread, take it... Nothin beats a nice hoopty for your first car, learn the rules of the road, get more mature so you can handle a faster car. I know if I had a Trans Am when I was 17 I would never have been here to talk to you guys about this.
02-09-2004, 08:23 PM
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I'm 16 bought my LS1 dont understand why you all are like big on bein affraid of 16 yr olds and decently fast cars......but whatever.......mayb some of you ahve had bad experiences..........i kno im not bad driver at all......i was taught to handle mah car like a squad car from mah dad and some of his cop buddies......if i ever had a stiuation where i would haveta handle it like that.......im not an ******* driver........i dont do more then mayb 7 over the speed limit....on streets round here........highways.........ima mayb 10 over.......on cruise......but yeah anyways to the main subject
i was supposeda pay roughly 3500 a year....my insurance agen is close to mah family........so i gotta lil chance to get a opputunity to lower mah insurance 15% a year!! getting an aftermarket alarm with jsut about hmmm...... EVERYTHING haha......im paying around $2975 a year.......not bad eyy?
i was supposeda pay roughly 3500 a year....my insurance agen is close to mah family........so i gotta lil chance to get a opputunity to lower mah insurance 15% a year!! getting an aftermarket alarm with jsut about hmmm...... EVERYTHING haha......im paying around $2975 a year.......not bad eyy?
02-09-2004, 08:34 PM
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Originally Posted by Swifster
All of you on your parents policy, just remember what could happen. No one expects to get in an accident. But they do happen. Many insurance companies will request a copy of the police report showing who was driving.
In a tort state, like New York, Illinios, or Missouri, this may be a minor issue if you are not at fault. Usually the third party carrier (insurance company) will pay for the repairs without worrying who was driving. But if you are at fault in the accident, this will open up different problems. The insurance is based on your parents driving this car, not you. In an accident, your parents insurance on that vehicle will skyrocket just as if the policy were yours. To bring down the insurance, the insurance company may insist that you be an excluded driver for that car (how much would that suck if the money to buy the car was yours?) which would mean that if you were the driver in another accident, your fault or not, your insurance carrier would deny the claim.
In a no-fault state like Michigan or New Jersey, this can be even worse. Even in an accident your not at fault in, you have to go back to your company. Many will require a police report to verify the cause of the accident. Again, seeing you driving this car, even if the accident wasn't your fault, may change how that company looks at a primary driver for a certain vehicle.
These are not absolutes and your mileage may vary, but these are something to keep in mind.
In a tort state, like New York, Illinios, or Missouri, this may be a minor issue if you are not at fault. Usually the third party carrier (insurance company) will pay for the repairs without worrying who was driving. But if you are at fault in the accident, this will open up different problems. The insurance is based on your parents driving this car, not you. In an accident, your parents insurance on that vehicle will skyrocket just as if the policy were yours. To bring down the insurance, the insurance company may insist that you be an excluded driver for that car (how much would that suck if the money to buy the car was yours?) which would mean that if you were the driver in another accident, your fault or not, your insurance carrier would deny the claim.
In a no-fault state like Michigan or New Jersey, this can be even worse. Even in an accident your not at fault in, you have to go back to your company. Many will require a police report to verify the cause of the accident. Again, seeing you driving this car, even if the accident wasn't your fault, may change how that company looks at a primary driver for a certain vehicle.
These are not absolutes and your mileage may vary, but these are something to keep in mind.
Just to slightly update this, New York is NOT a Tort state, its No-fault also. I agree with all you said, all this "put my name on a different car". People call me and ask me to do it to make the rate best for them, and I say no, I rate based on who really drives the car. With me they are dealing direct, I can actually get fired for "hooking them up". Outside Agents and Brokers just want to make the sale and will do stuff like that to get it done.... However 1 wreck happens, the insurance company obviously can figure out hey the 16 yr old wrecked the Camaro DUH who do you think is driving it all the time... And then they get dropped, or jacked WAY up... Then the insurance company is the bastards when in reality it was your agent pulling the shady deal.
Only certain states have Named Driver Exclusions, but its not uncommon for a company to require it in those states if you want to stick with them.
Finally, misrepresentation is grounds for claim denial. It would quite suck for you if your company denied your claim, and if you misrepresent who is driving the car primarily the company CAN deny the claim. It IS technically insurance fraud. In my advice above I mean to add the vehicle and yourself as the driver of the vehicle ot the policy, not to lie.
02-09-2004, 09:20 PM
#58
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Originally Posted by darrensls1formula
I would take all the comments made by teenage LS1 drivers with a grain of salt. After a few conversations with them here and there I learned a few things.
1). They all paid for the car themselves and have worked 40 hours a week since they were 12.
2). They all are very responsible.
3). They all drive very safely and never race on the street or highways.
4). They just wanted the car for the looks and never abuse the power it has.
Oh and I forgot the last one. Most of them are lying through thier teeth. 16 + LS1 = Nieve parents. You can claim all the I'm a great driver and a+ student all you want but it's like your parents giving you a loaded gun and saying "go play". Yes you can do something stupid in a 100 HP Cavalier but you are far more likely to do it in a car that goes 0-100 in 13 seconds as opposed to a car that might top out at 100.
Bottom line is they want the power because they plan to use it. If they didn't they would be content with a 200 HP V6 camaro/firebird. Odds are you won't get in a wreck/killed but you are definately in a higher percentage for risk then another 16 year old driving a minivan or non-modded 4 cyl car. As a parent myself I would never give my child who has so little driving experience, life experience and access to the movie the fast and the furios a car with 300 rwhp and a top speed of 163.
Common sense won't let me do it. I agree with the guys here that say you should get a lesser car for now (maybe a V6 f-body) and then in a few years when your in college or right out of college look for a LS1 or whatever your into at that time.
1). They all paid for the car themselves and have worked 40 hours a week since they were 12.
2). They all are very responsible.
3). They all drive very safely and never race on the street or highways.
4). They just wanted the car for the looks and never abuse the power it has.
Oh and I forgot the last one. Most of them are lying through thier teeth. 16 + LS1 = Nieve parents. You can claim all the I'm a great driver and a+ student all you want but it's like your parents giving you a loaded gun and saying "go play". Yes you can do something stupid in a 100 HP Cavalier but you are far more likely to do it in a car that goes 0-100 in 13 seconds as opposed to a car that might top out at 100.
Bottom line is they want the power because they plan to use it. If they didn't they would be content with a 200 HP V6 camaro/firebird. Odds are you won't get in a wreck/killed but you are definately in a higher percentage for risk then another 16 year old driving a minivan or non-modded 4 cyl car. As a parent myself I would never give my child who has so little driving experience, life experience and access to the movie the fast and the furios a car with 300 rwhp and a top speed of 163.
Common sense won't let me do it. I agree with the guys here that say you should get a lesser car for now (maybe a V6 f-body) and then in a few years when your in college or right out of college look for a LS1 or whatever your into at that time.
1.) During the Summers i do work 40+ nhours a week and put extra in if i can and have been doing so for the last two years. And am paying for my car While i am in school. I am not a A+ student but im not a drop out... I try for my grades and work for what i have... and am not by any means spoiled.
2.) In comparison to almost all people my age i am super responsible... i dont drink, smoke, party etc oh and dont forget i have a job...and some general idea of what i want to do with my life that beats 90 percent of teens out there.
3.) I do not race actually... well not to high speeds and i do drive safely and i dont speed... believe it or not. I have no speeding tickets... the only ticket i have is because i had to avoid a cop that pulled over into the lane and I had to pull out of his way to not hit him... he slapped me with weaving traffic, weapons violation, no insurrence *Got 2 days before hand*
4.) I did get the car for looks because it looks pimp and for the power... but i dont abuse it... god i have to use that car for everything
Oh and i am not lying.
But i do agree 305+ HP is WAY to much for a 16 year old... especially if he has no drive experience... get nsome experience before you start driving a car like that... you'll want it.
02-09-2004, 09:37 PM
#59
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Join Date: Sep 2003
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Originally Posted by 02WS6Bird
I'm 16 bought my LS1 dont understand why you all are like big on bein affraid of 16 yr olds and decently fast cars......but whatever.......mayb some of you ahve had bad experiences..........i kno im not bad driver at all......i was taught to handle mah car like a squad car from mah dad and some of his cop buddies......if i ever had a stiuation where i would haveta handle it like that.......im not an ******* driver........i dont do more then mayb 7 over the speed limit....on streets round here........highways.........ima mayb 10 over.......on cruise......but yeah anyways to the main subject
i was supposeda pay roughly 3500 a year....my insurance agen is close to mah family........so i gotta lil chance to get a opputunity to lower mah insurance 15% a year!! getting an aftermarket alarm with jsut about hmmm...... EVERYTHING haha......im paying around $2975 a year.......not bad eyy?
i was supposeda pay roughly 3500 a year....my insurance agen is close to mah family........so i gotta lil chance to get a opputunity to lower mah insurance 15% a year!! getting an aftermarket alarm with jsut about hmmm...... EVERYTHING haha......im paying around $2975 a year.......not bad eyy?
Secondly not to pick on you but in General when all you 16-18 yr olds get over like 21... I know it doesnt seem like a long time but you'll think "damn I was a dumb ****"... You think youre responsible and a good driver on the road, trust me you arent... You'll realize it when you get older. Trust me. I was where you are, I thought and would have responded EXACTLY THE SAME WAY AS YOU guys have. Luckily my first F-body was a 87 TA with a carbed 305 that was just as slow as the cavalier I sold to buy it lol.
ANY street racing is bad, Ive seen too many lives ended by "just giving it soem gas". Im a volunteer fireman too and weve scraped plenty a 17 yr old in a mustang or camaro off a guardrail. Everyone was a responsible kid and so on.... It only takes one slide and a little inexperience to create a disaster. Theres always exceptions to the rule and I hope to God you guys are... Just be careful out there, Ive seen too many lives ended by something that when I was your age I believed was nearly impossible.
02-09-2004, 10:17 PM
#60
Launching!
Join Date: Feb 2004
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damn...this has gotten pretty sad. There is no real way to know how a young person will be like behind the wheel of a car. I got a old 98hp grand am for my first car, and I tore it up (no accidents, no tickets...just had that typical 'I'm invincible' thing going) but if you were to know me I used to be calm and thought everything out. My sister on the other hand was given a '93 Z28 for her first car and she doesn't speed or do anything that even resembles 'sporty' or aggressive driving...go figure she has hit things while I haven't. I do take responsibility for my car, driving and the people around me that I affect. I have now decided I must just be an adrenaline junky.... I purposely lose control of my car (in more controlled areas...ie. empty lots w/ lots of space). I'd love to be a test driver of sports cars. Hell, as soon as I can afford it I'd like to go to an actual driving school to learn better techniques and how to better my driving skills.