Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 13, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

My soon to be 16 year old son has been a countless source of surprise as we’ve moved towards the day he becomes a licensed driver. First there was his pronouncement that he would rather ride a motorcycle than have a car.

Then he said that the type of motorcycle he’d be pursuing would be a sport bike with an engine class of 600 CCs or larger. Needless to say, with grief (and reality) delivered by his parents, myself included, Alex came to the decision that he would indeed get his drivers license and a car.

The real stunner, however, relates to the type of car he’s decided should be his first. If its a Chrysler product from the 1960 or 1970s, then it may have potential.

His current motto: “Mopar or no car.”

No matter what we ultimately end up coming home with, its guaranteed that the purchase will be a cash-only affair. That gives me some interesting options in terms of car insurance coverage.

We’re going to go with a decent level of liability coverage. We’re also going to get comprehensive coverage, while probably declining any collision coverage.

Here’s why: liability insurance is a must. Can’t go without it. Comprehensive, which will cover the car if it’s stolen or damaged in a way that doesn’t involve a collision, is generally a bargain.

Thus far, we’ve gotten quotes on a number of different makes and models that spanned from the 1920s to the ’00s. And honestly, I’ve been shocked by just how much the car can affect the final premium cost.

On most of the 60s and 70s Mopars we’ve quoted, I’d be looking at a monthly increase in premium costs of about 110 percent with the coverage mentioned above. If we add collision, the monthly outlay goes up 220 percent.

We’ve quoted a few cars “just to see” as well. Sports cars mostly, like the Mazda M5 and RX7 and Nissan’s 350Z. On those, I was looking at a monthly policy premium cost 300-400 percent greater than I currently pay.

If it were just me on the policy, the increase was slight, but once my son was added, the premiums shot through the roof.

Are you facing placing a teen on your auto policy? Have you checked to see how expensive it can be?