I'm young, stupid and had an Audi. I had like 10 speeding tickets. A lot of them were while my license was suspended. Because of this, I'm not legible for insurance at most places unless I pay like 1800+ a month. I got a car today but my sister had to be the owner and I had to cosign because I couldn't
I'm young, stupid and had an Audi. I had like 10 speeding tickets. A lot of them were while my license was suspended. Because of this, I'm not legible for insurance at most places unless I pay like 1800+ a month. I got a car today but my sister had to be the owner and I had to cosign because I couldn't get insurance. How can I make this any better for the future when I want to get a car and not pay a million bucks for insurance? It would suck to have this follow me 10 years from now
First, the word "legible" means "able to be read", i.e., written in a clear handwriting.
The word for "qualified to get something" is "eligible".
Second, as you admit, you are eligible, it's just really expensive.
What you can do is:
a) Pay the $1800 or whatever a month
b) Move to a place where insurance is cheaper
c) Stop speeding and wait several years so that you won't be a person who has a lot of recent speeding tickets
You can't be eligible to get cheap insurance now where you live. You have to move, wait, or pay what it costs.
Lucy pretty well covered it. I suppose your next question will be…I got in a wreck with no insurance. What will happen now? You drive that car and have an accident it could be a lot longer than 10 years before you finish paying for that one. You need to show some smarts or you're in for a tough time.
10-speeding tickets, plus while driving with a suspended license?
Even though your sister will be shown as the owner on this vehicle, your sister must (add) you as the main driver, since obviously you bought this car to drive it. So, with your record, to add you as the main driver, will still be around $1,800 a month due to your lousy record.
If she does not add you, then if in an accident, could find yourself UN-INSURED, since sister did not list you as the driver on this vehicle.
What about your license? Is it still suspended? If suspended license, then many companies will not insure you.
I suggest if it is still possible to not buy this car, since you can't get around your past. Can your afford the payments and the insurance and if not, then the lender will repossess the car.
Most tickets/accidents drop off your record on average of 3 to 5 years depending on the insurance company. So, until (all) tickets drop off and you get no more tickets, then your insurance will be reasonable.
It seems you may be psychologically unsuited to driving a car. Either that or you are a very slow learner.
You reap what you sow in this world. Getting insured for you will be a mountain to climb and rightly so. We don't need irresponsible drivers on the road. There are enough accidents and deaths with careful drivers. So you will have to wait it out. But at least you will have ample time to reflect on your stupidity and hopefully learn from your mistakes.
If you can manage to go 3 years without a ticket, your insurance rates should decrease. If you're not listed as a driver on your sister's insurance and you get a ticket or an accident, you're toast.
Basically, keep a clean record for 5 years. after then you should be able to pass the eligibility criteria for normal insurance rates, and you will be 5 years older which will help. And get something a bit slower than an Audi
Well young and stupid, You just learned a life lesson, get on the net and apply for insurance online as there are companies that may be a bit cheaper, but you did the crime as they say.
you are not the only stupid one – your sister is too
she just gotta be stupid to buy a car with you as co-signer then let you drive it
maybe try waiting a few years (say 10) until you are grown up then the insurance will drop a lot
(bet you are around 18 years old)
Like, you can make it better by obeying the rules, not getting citations or involved in accidents. Like, having your Sister title and finance and insure a car that you will drive, is like, called insurance fraud.
Like By the way, "eligible" means: having the right to do or obtain something; satisfying the appropriate conditions. Like, "legible" is another word that means; handwriting or print clear enough to read.
Like "suck" is a terrible adjective.
The "like" generation needs to know……………. That grammar matters.
A bicycle needs no license and no insurance. Similarly, a horse.