I'm looking for a first car just to get me to college which will be starting fairly soon. I looked into the Pontiac Firebird ws6 with only 305wrhp and got a quote for $2,400. This just doesn't make any sense. I am now under my fathers car and paying $600 a month even though my father has a Saturn Outlook with 275 wrph. How does this make any sense? Just because the car is known to be a "sports" car because of its flashy look and its handling should I really have to pay 4 times the amount for a car with just a bit more horsepower just because of its name? Me being a 18 year old male I knew my car insurance would be expensive but not this expensive. I really just think insurance companies need to look at car specs a bit more instead of just looking at a car and saying "oh that looks fast and dangerous lets mark this cars coverage up 4x",

It's not the car, it's you (nothing personal,lol). It is also where you live.

My 09 Challenger R/T is less than $700....A YEAR! and is not much more than our Subaru. The only reason it is that high, is because I have 2 young drivers, boys under 25, too.

So, unless you can afford the high rates, do what most of us have done and drive a beater that is cheap to insure...maybe even getting a car that only needs liability.

My new car is my first as well. I got a 2005 dodge stratus r/t coupe with 200hp and I have a $126/month through state farm. I had them quote me on a 1992 Chevrolet camaro v8 and it was at most $151/month. I have no tickets and really wanted the exact same car as you, but the insurance would have killed me in the long run.

The ins co looks at more than just the car.
They will check records of young people going off to another town for collage "lets party", your age, lack of driving experience, your home address, your driving record (had any tickets?), plus what kind of car you have. You want a sports car just to go to collage? Why not an everyday driver?

But I agree $2,400 sounds very high!! You might want to try checking another ins co or cutting down on coverage.

Why not ask why it costs $45,000 for one college year, even higher at Ivy League colleges. Insurance is about risk, payments, costs, etc. Let us say that you buy this car, get it insured and on the drive home you wreck it, hurting the other driver badly. Who pays? The insurance company. It is all about repairs, medical and legal bills, etc. from the second after they agree to insure you. With teens having over one million car crashes each year and over 5,000 dead and hundreds of thousands injured, some in jail or prison, the insurance companies know about the risk and the costs related to car crashes. The reason for the low cost on dad's car is that dad is the primary driver and you are an occasional driver. With your own car YOU are the primary and probably the only driver. But listen, at college with limited parking, living at or near campus, why do you need a car unless you plan to live at home and drive to school every day. So forget about the Pontiac Firebird and get a clunker that can fit your needs. After all, it is just transportation. OK? Best wishes.