There are many factors that go in to Insurance premiums, age and make/model of car is only one of them. Other considerations are what state you live in, whether it is no-fault or at-fault insurance, driving record, and amount of coverage and deductible. My suggestion to you is that you call several insurance agencies (or one independent agency and a couple of stand-alones) and give them the info on the car, your age, and who will be the 'primary driver' of the car (if your dad is listed as the primary driver, it will be slightly less). They will give you a ball-park figure for insurance costs before you even buy the car. This should always be part of the buying process. Since you are in Michigan, we have no-fault insurance
Insurance agencies to call: AAA, State Farm, Allstate, and an independent. The independent will look for the lowest cost insurance on your behalf from agencies such as Auto Owners, Progressive, Etc.
BTW, where in Michigan are you located?
Good luck in your decision!
Retired Moderator, The Bonneville Club www.bonnevilleclub.com
RIP Oldsmobile, April 29
1995 Bonneville SE Supercharged (Stock)
Current Mods: Dirty GYM Sock air freshener.