Avoid anything with big engines, two doors, or a luxury badge. No, you cannot afford to insure a BMW 3-series, even if your uncle “knows a guy.”
Best Car For All Purpose at Tracy Mcfall blog
Steer clear of sports cars like the Ford Mustang or Subaru WRX. They’ll make you look badass for two days, then ruin your budget forever. The insurance on a WRX for a first-timer can hit $300+ a month. That’s a car payment in itself.
Also, skip any car with a huge theft rate (looking at you, Honda Accord). Insurers hate when you park those overnight.
Bonus: How to Cheat the System (Legally)
First, add yourself as a named driver on a parent’s policy if you live at home. You’ll pay way less than your own policy. It’s like renting your own Wi-Fi from them—same coverage, lower cost.
Second, choose a higher deductible. If you can afford to pay $1,000 out of pocket for a fender bender, your monthly premium can drop by 20%. Just don’t actually crash on purpose—that’s insurance fraud, and jail isn’t chic.
Finally, ask about discounts. Good student? Took a driver’s ed course? Drive under 5,000 miles a year? Insurers love giving you tiny pats on the head in the form of lower rates. Use every discount like a coupon-cutter at a grocery store.
