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Old 10-25-2012, 02:43 PM   #1
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Camaro 1ls vs. Cruze 2lt

I'll start off by saying that I'm 15 years old and turning 16 a little after Christmas. So for my birthday/Christmas present, my mom wants to get me a Cruze 2lt. But I'm trying to persuade her into a 1ls (my dad's already on board). The thing about the 1ls is that my dad and I absolutely hate the wheels. Looking around the classifieds earlier, I saw a set of nice wheels for $700. How much do you think insurance would be for a 16 year old with a Camaro?
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Old 10-25-2012, 02:45 PM   #2
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Congrats on getting a car for a birthday/Christmas present. You'll probably get a lot of flack on here from jealous/envious folks, so be prepared.

I have a 2012 1LS and honestly I don't think the steelies are that bad... If it were between the Cruze 2LT and the Camaro 1LS, I'd still go with the Camaro. One perk to point out is the new Camaros are 5 star crash rated so you'd be safe in them.
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Old 10-25-2012, 02:46 PM   #3
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I'll start off by saying that I'm 15 years old and turning 16 a little after Christmas. So for my birthday/Christmas present, my mom wants to get me a Cruze 2lt. But I'm trying to persuade her into a 1ls (my dad's already on board). The thing about the 1ls is that my dad and I absolutely hate the wheels. Looking around the classifieds earlier, I saw a set of nice wheels for $700. How much do you think insurance would be for a 16 year old with a Camaro?
Ummm.... insurance for a 16 year old with a Camaro will be through the roof. Over $2,000 a year, easily, are the numbers I've been told by high-school kids with Camaro LT's. Get an SS and that number could double
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Old 10-25-2012, 02:47 PM   #4
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Insurance alone will be enough to worry about get the Cruze.
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Old 10-25-2012, 02:50 PM   #5
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@Meissen Thanks. I would be completely fine with the wheels on the ls Camaros, but I really like the 1lt wheels on the camaro.
@BowtieBelle That's what my parents are worried about...

Couldn't I be the main driver on a different vehicle of ours, then have cheaper insurance?
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Old 10-25-2012, 02:51 PM   #6
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I'm sure the situations are 100% dependent on state laws and regulations, but here in Michigan the insurance agents my family always used said that I could be added to the policy but I didn't have to be placed as a primary driver on any of the vehicles. I got my 1994 Camaro when I was 16 (I paid for it, though) and that way I could drive the camaro fully insured and not have any hassles. See if your parent's insurance company would be willing to work the same deal out to get a lower rate. At first I think we put me on as the primary driver on one of the other vehicles, and that's when the insurance agent said not to put me as the primary driver on any of the vehicles but just add me to the policy in general, that way the premiums weren't as high.
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Old 10-25-2012, 02:51 PM   #7
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I'll start off by saying that I'm 15 years old and turning 16 a little after Christmas. So for my birthday/Christmas present, my mom wants to get me a Cruze 2lt. But I'm trying to persuade her into a 1ls (my dad's already on board). The thing about the 1ls is that my dad and I absolutely hate the wheels. Looking around the classifieds earlier, I saw a set of nice wheels for $700. How much do you think insurance would be for a 16 year old with a Camaro?

I would advise getting insurance in your parents name.
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Old 10-25-2012, 02:52 PM   #8
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The camaro is soooo much cooler than the cruze. Make sure you prove to your parents you can handle the camaro.

In my case, insurance for a honda civic was the same as my 2012 1lt. But in either case, it was still expensive because I was 16.
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Old 10-25-2012, 02:52 PM   #9
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I would advise getting insurance in your parents name.
Just curious but why? I'm 26 and still share the insurance policy with my parents and I just pay them for my vehicles. They get a fleet discount with the number of vehicles between us so it's always worked out great.
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Old 10-25-2012, 02:52 PM   #10
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@Meissen Thanks. I would be completely fine with the wheels on the ls Camaros, but I really like the 1lt wheels on the camaro.
@BowtieBelle That's what my parents are worried about...

Couldn't I be the main driver on a different vehicle of ours, then have cheaper insurance?
You could be primary driver on a different vehicle, sure, that's one way to do it, but get in one wreck or get one ticket in that Camaro and the policy will go through the roof. And the fact that you'll still be a listed driver on the Camaro will still make the policy premium high (I only say this because I work for a law firm that deals exclusively with car insurance companies, and I know it). Adding a sixteen year old to an insurance policy makes it go up substantially even if the cars on the policy are an SUV and a minivan

Good luck, though! Hope you can find a way to get your Camaro
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Old 10-25-2012, 02:55 PM   #11
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You could be primary driver on a different vehicle, sure, that's one way to do it, but get in one wreck or get one ticket in that Camaro and the policy will go through the roof. And the fact that you'll still be a listed driver on the Camaro will still make the policy premium high (I only say this because I work for a law firm that deals exclusively with car insurance companies, and I know it).

Good luck, though! Hope you can find a way to get your Camaro
I must have lucked out - I got in two accidents (first one was written on the report as being my fault, but I was not ticketed because the other person involved agreed that another car pulled out infront of me causing me to hydroplane and hit her, other accident was not my fault and the other driver was ticketed) and we had slight increases but nothing astronomical and they had no qualms with the fact that my mom was listed as the primary driver on the vehicle.
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Old 10-25-2012, 02:56 PM   #12
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I must have lucked out - I got in two accidents (first one was written on the report as being my fault, but I was not ticketed because the other person involved agreed that another car pulled out infront of me causing me to hydroplane and hit her, other accident was not my fault and the other driver was ticketed) and we had slight increases but nothing astronomical and they had no qualms with the fact that my mom was listed as the primary driver on the vehicle.
Not necessarily lucked out, but with the skyrocketing use of cell phones in the last five-six years, premiums for policyholders with teenagers have skyrocketed. When I was younger, before cell phones were a huge issue, our insurance wasn't too bad, even with a couple of wrecks. Now I have a couple of friends with teenagers and all they do is complain about the cost of insuring their kids.

Insurance companies make a fortune off the young ones, that's for sure.
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Old 10-25-2012, 02:57 PM   #13
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Thanks for your comments everyone. My cousin who had a Cobalt SS was the primary driver on his family's Silverado, which saved them money. So even if the insurance companies didn't know who drove what in your family, having a fast car would make the insurance higher for a teenager?
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Old 10-25-2012, 03:03 PM   #14
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If you get the Camaro wheelsnext.com you can get wheels at a really good price to replace the steelies ! I did !
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Old 10-25-2012, 03:05 PM   #15
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Happy Birthday/congrats! Go with the Camaro since you seem more enthusiastic about it. It all depends on what you want. Sometimes you have to make concessions to get what you really want.
Go on your parents insurance and you'll pay less. Also see if your insurance company offers additional discounts. I know mine allowed me good student discount through high school and college as well as a safe driver discount for watching a dvd and keeping a log for 3 days. Many will tell you, but keep to the speed limit and stay safe on the road. Accidents or tickets @16 will be a killer.
Good luck with your choice!


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Old 10-25-2012, 03:06 PM   #16
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Thanks for your comments everyone. My cousin who had a Cobalt SS was the primary driver on his family's Silverado, which saved them money. So even if the insurance companies didn't know who drove what in your family, having a fast car would make the insurance higher for a teenager?

There are a lot of variables when it comes to insurance rates.

You didn't say if your male or female.
Fact: Insurance rates for male will be more than females.

Also, it really isn't so much about the Camaro being a fast car.
But more about statistics. The fact is, there are probably more insurance claims turned in from Camaro drivers than Cruze drivers.

Insurance rates are not based on how safe you are (for the most part anyway).
But on the average claim cost for your car type, age group, location, etc.

Give your insurance agent a call, and ask them to give you some quotes on different vehicles to get an idea.
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Old 10-25-2012, 03:06 PM   #17
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There are too many variables in play here for anybody to even speculate. Even if you're put onto your parents' insurance, are they good drivers, how much insurance do they have on each vehicle (etc., etc)? Besides the insurance, where do you live? If it snows, you may as well forget about the Camaro. Rear wheel drive vehicles, light in the ass-end don't do well in the rain, let alone a snow storm. Are you responsible? (tough to ask a 16 year old, they know it all ). Getting into a Camaro with your friends and them telling you to "let 'er rip" could get you all killed. It's less likely your buddies will tell you to "holeshot" a Cruze. Too many variables. I know if I were the parent, the first thing I'd run through my head is "is he/she responsible enought to handle this?".
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Old 10-25-2012, 03:09 PM   #18
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Well, we have full coverage on a 1999 Sierra, 2007 Cobalt SS S/C, and a 2010 CTS-V. We live in southern Illinois, about ten minutes from St. Louis. I am a male. The good student discount would help. One of the main reasons why my parents are buying me a new car is my grades. I would say I'm pretty responsible
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Old 10-25-2012, 03:10 PM   #19
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They can get a quote online of how much it will cost to add.

But strongly recommend neither. Get a used car so you can get used to the responsibility and wouldn't have to worry about scratching it.

You can get a REALLY cool 3+ yr old car loaded with much lower insurance than a new car thats just a base model. A loaded car is much more fun.


BTW:
Guys, I recommend not making assumptions. 16 yr old doesn't automatically mean irresponsible, spoiled, etc. Each person is different.
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Old 10-25-2012, 03:12 PM   #20
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When i first bought my camaro, my mother put it in her name so the insurance was not that high
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Old 10-25-2012, 03:14 PM   #21
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I tried bringing up to my parents a GTO. My dad is completely against buying used cars. My dad works for GM and we have a GM MasterCard with like $5k on it towards a new car. I just did the Build your own thing on the Chevy website, the Cruze is only $800 less with the RS package and a sunroof.
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Old 10-25-2012, 03:24 PM   #22
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They can get a quote online of how much it will cost to add.

But strongly recommend neither. Get a used car so you can get used to the responsibility and wouldn't have to worry about scratching it.

You can get a REALLY cool 3+ yr old car loaded with much lower insurance than a new car thats just a base model. A loaded car is much more fun.


BTW:
Guys, I recommend not making assumptions. 16 yr old doesn't automatically mean irresponsible, spoiled, etc. Each person is different.
I haven't read one comment that alluded to any of these. Pretty helpful thread for the youngster if you ask me.
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Old 10-25-2012, 03:27 PM   #23
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I haven't read one comment that alluded to any of these. Pretty helpful thread for the youngster if you ask me.
This thread is very helpful to me for the different insurance options. Now I just have to wait until my parents get home to talk about it.
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Old 10-25-2012, 03:30 PM   #24
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First off congrats on almost getting your first car. but i do want to say coming from a teenager dont think about only what looks cool think about practicality (i know that might be difficult).

Alright i will agree with what has been said above. Let me start off by saying i am currently 18 and am insured on booth a Cruze and a Camaro. Check the insurance on the camaro before you do anything. i can tell you that i got insured on my 2LT/RS M6 when i was 17 and it was 1K a year for me alone. I am now 18 and it is around the same. But mind you my camaro is set up as a weekend only car which only allows me to drive it around 2-3K miles a year and i am also not the primary driver on the Camaro.

Since the camaro spends most of its time in the garage i drive a 12 Cruze Eco M6 every day to school and i am set up as the primary driver on it. It is a great car. It looks pretty nice and you can not beat the 40MPG i get in the city. I actually made it from miami to tallahassee (about 500 miles) on one 12 gallon tank. I had almost nothing left when i got back but that is impressive for a normal motor.

But back on topic about the car to choose. The reason i said the thing about the cruze going 500 miles on one tank is because you also have to take into account the amount of gas you will spend. Right now going to college i have about a 300 mile commutte every week since i stayed at home. It costs about 25 a week when if i drove the camaro it would cost 50-75 (i put 93 octane in the camaro). Also another thing to consider is that you will be taking the camaro to school and other places where there will be teenagers and they will be jealous and thats when things happen to your car. I would be crushed if something where to happen to my camaro that is why i tried at all costs to not to take the camaro to high school and was very lucky to get a DD for college.

of course anyone in your boat would choose the camaro in a heart beat but i am just warning you that it does cost a lot more to drive the camaro than the Cruze. Dont get me wrong i love my cruze and camaro. But they booth have different purposes for me.

I too got a new car because that was the deal with my dad if i kept my grades up and did what i needed. But I never expected a Camaro. And another reason my insurance was lower was because i had not only the high grades discount but drivers Ed. my parents were originally quoted 4K a year driving it every day when i 16 so my dad said he would get me the car but i would have to wait a little bit to be able to drive it on my own. i waited almost 2 years and then got my license when we found something reasonable.
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Old 10-25-2012, 03:40 PM   #25
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@menendez Thanks for your input. I live about 5 miles from school and wouldn't be driving highway very often. I just checked a quote, my insurance would be a little over $700 per six months. The main reason I'm getting a new car, like I said previously, is my grades. My parents agreed to get a new car for me if I am in the top 5 in my grade Freshmen and Sophomore (current) year. At my school, you decide your parking spot by class rank, so I would no doubt choose a very far away spot in a corner. I really like the Cruze, but come on...Camaro. How does the Eco handle? I've only driven an auto 2lt, but I'm going to get a stick in any car I get. I've read that the Eco has really weird gearing for 5th and 6th gear.
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