I might just be weird... but to me it seems like the f150 drives just all around easier than any other type of truck or car. I don't know if it's the size or power, I just think it's really easy to drive. Anyway I'm 16 and new to this site, my grandpa has a lariat supercab. I plan to get one in a couple of months, but I have to get my finances figured out because Insurance companies around here do not like the idea of a 16 year old in a 4 wheel drive F-150 and they smack you with charges. I guess my question is is, does anyone else (thats younger) have this insurance problem? Frankly I'm lost because you would think that 4 wheel drive would make you "safer". They said that if instead I bought a 2 wheel drive one it wouldn't be so much. I suppose I can see where they are coming from, but still... If I get stuck in the snow I want to be able to get out of it. This truck is going to have (no question about it) to last me the rest of High school and through collage, so I plan to load it with... everything. If the insurance company don't like it... tuff.

 

HI Patrick--I am older (33), but to give you some insight on insurance companies wanting more for 4x4's this could be the reasons

1) They cost more than a 2wd equiped the same way and
2) 4x4's have more potential for "off-roading" and getting "broke" so to speak. Therefore, more of a risk for the insurance companies.

I am sure that other members here have a much better insight/reasons for this, just my .02. I can tell you that the F150's drive ALOT better than a 250--not only for obvious reasons, but the turning radius on a 250 is about a mile though the 05's are much better.

 

I'm not much of an... "off roader" I'm too paranoid about scratching the paint ;-). I wish I could explain that to the insurance companies, but then they got into the whole annoying "peer pressure" thing because I made the mistake of telling them that (of course) my friends will be riding with me sometimes. Anyway I drove a dodge the other day and I could hardly keep it on the road <- Thats the reason I got addicted to the new f150's... They are the only things I can drive well.

 

Looks like I won't be the only youngun' on the site anymore!

The insurance problem is going to be a problem no matter what you do. I have Allstate, and they have a program that you can take which will lower your rate a lot plus if you keep up a 3.0 you will get money off.

However, good luck with your truck and welcome to the site!

 

Well depending on where you live also makes a difference to insurance companies. Your age unfortunately is the biggest factor in the cost. I'm 42 and have had no tickets or accidents of any type for over 24 years so I do enjoy a very low premium. Mine is so low that I can pay it yearly for both myself and my wife. I do have 3 teenage children two of which have licenses and their own vehicles but two are step children who live with their dad, Oldest boy is 19 and his insurance is almost 200 a month because he lives in the houston area. My daughter lives up here close to me in a very rural aread with her mother and her insurance is only 81 dollars a month. She is 17. They both drive late model small cars worth about 10K. I don't know if this will help you understand but both the "replacement cost" of the vehicle as well as where you live make a big difference.

 

Exactly. If I buy something like a 4X2 ranger (not acceptible, because thats what everyone else has... I like to be different... well... bigger and better lol) my insurance will be like $80 but with a 4X4 F150 Lariat (or XLT haven't decided) the insurance will be around $200-$250 range. I'm on my parents insurance and they told me that if I'm going to go and buy something like this I have to pay my own... lol I don't have a job (yet)... All I have is a website, it brings in some money... but not enough. My parents plan to split with me on the monthly payment of the truck so thats not really a problem. It's just the payment of the truck AND the insturance... may be a small obsticle that I need to get through. My parents have some local insturance company... and if I keep a 3.0 (I currently have a 3.9) they will take of $20 per month. I hate insurance... They hate me.

 

When did the american dream become DEBT?

16 year old children driving vehicles that cost more than houses that some of the older members grew up in. It's getting ridiculous. I wish the insurance was twice as much....every time i see a kid with daddy's truck it makes me sick.

What kind of example are we setting for our children? Here little boy, have whatever you want free. You don't have to work for anything, you don't have to wait for anything. You want a man's truck? Sure, here you go - yea...and we wonder where this country is heaed

 

Patrick, I checked out your website and it looks pretty cool. I am also a webmaster and have been for many sites over many many years. Just a bit of advice from another Ford Fan, Don't count on making money off the internet to get that new truck. I'm certainly not trying to make you think you can't get that new truck either but I do recommend getting a job no matter what it is and make as much money as you can legally of course and you might find out that your parents see that your dedication to getting this new truck has made you accept the fact that you will do whatever it takes including flipping burgers etc. My 19 yr old stepson does not work, is very lazy failed two grades and was kicked out of school and won't change for the foreseeable future. His father now pays all his bills because I will not contribute anymore. My daughter on the other hand has been A honor roll for the last 5 years, Has been advance twice and has already received a full scholarship which she turned down because she like I spent wants a career in the USAF. She wants to be a pilot so right now I'm teaching her to fly. So I pay half of her expenses along with her mother and stepfather. She also has a job and is in the band and also colorguard etc etc. She earned our paying for her way. If my 19 yr old stepson gets a job and shows to me that he is not the bum he currently is I'll chip in again. His father and I have talked as recently as this evening about that very thing. Parents are always watching and paying attention. If you show to them that your willing to do as much as possible without letting school grades suffer they always manage to come up with a few extra dollars. I do and I think most on these forums would as well.

 

Ok first of all... It's not debt cause I have enough money in my bank account to buy 3 lariat trucks, but I'm also saving for collage and I'm an active trader in the stock market (thanks to my parents). I think that after all the saving and stock trading I've done over the years I deserve something besides a little sister and a laptop computer. I don't plan to pay for the insurance or the truck out of my bank/securities account I do plan to pay for it with a job. Therefore I would be actoually working for something that I bought for a change. I would hardly call it a daddy's truck. My dad drive a broken down old dodge when he could be driving a f-250. Daddy's truck... yeah... leather heated seats... automatic everything... 13.4 miles per gallon...automatic transmission... yeah.. sure... daddy's truck..., maybe the outside is like a daddys truck... but the inside is luxurious... I don't ever remember my dad driving something as luxurious as this... but my mom does.

 

kelmvor

I have to say I disagree with everything you have said. If a young man or woman works to get something they want then why deny them? If their parents can afford to chip in and see that their children have good school/work ethics then to help them get what they want cannot be a bad thing. When I was young I did not have parents who could afford to help me so my first 3 vehicles were purchased solely by me and all payments were made on time. Now that I can help my children I do. I don't see it as spoiling them. They will earn their way. My previous post shows that I do it on whether or not they earn it.

 

Im really getting tired of hearing you whine and Im sure a lot of other people are. The deal he worked out with his parents is a very fair one IMO. and it won't be "daddys" truck it will definatly be his. So just stop while your ahead...

 

wow Kelmvor lighten up....i dont see a problem with a 16 year old having a 30k+ dollar truck if his parants can afford to help him with it...That is the American dream for me...i hope i can afford to buy my boys nice trucks when they are old enough as long as they are doing well in school and are staying outta trouble...maybe it will keep them in school so they can get a good job and buy their kids nice stuff too....

 

and now back to our scheduled program.

 

Sorry about my last post... I wasn't discourging the F-150 at the end there... I have one more thing to add to my last post... The part where you say "and we wonder where this country is headed". If a 16 year old can afford a $40,000 truck... I think this country is doing pretty good...(except for the george bush thing... sorry). Anyway I don't completly rely on the internet to bring me $$$... It does help though. I spend most of my free time doing some online investing... sometimes I gain money sometimes I loose it, but most of the time I may end up looseing it :-), but it's all good... I know the risks. Anyway my parents aren't in the best finincial state, I guess we're middle class people, but they do plan to help as much as they're wallet's will let them. I just want to pay the insurance without digging into my bank accounts. I feel guilty making their insurance go up as much as it probably will. So I need to get some sort of job to pay for the insurance and half of the truck payment... maybe 2 thirds of the truck payment. The only oppertunities for a teenager in this small town is working at fast food restruants... Yeah I live in a really small town. less then 7,000 people... everybody knows everybody. I've only counted two 2004 F-150's around here...

 

Patrick,
Don't give up, Tomorrow when time allows put in some job applications, I did it at your age and took a job as a dishwasher at a roadside diner, 3 months later I bought a used mustang for $3500 bucks, Back in the 70's that was alot of money. My stepmother cosigned for me. It was a 1969 Mustang Mach 1 w 428SCJ and factory drag package. Yes back then they were that cheap. I wish I'd known then what I know now. My second car was a 1970 Ford Torino fastback with 429 SCJ, My third car was a 1970 Boss 302 which was the most expensive at $5500 bucks. So when you get your truck make certain you keep it. In 40 yrs it might be worth much more! Seriously don't give up. School first and job second. Ford isn't going to stop making the best trucks ever and you will get yours.
Cheers!