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Structured Settlement expert John Darer®, a Master Structured Settlement Consultant and Certified. But no, a person who is 19 cannot get car insurance that is what you would consider cheap, and no, you cannot get car insurance that is cheaper than $300 New car replacement: If you purchase a brand new car and are in a crash within the regular car insurance first year, most insurance policies will only pay out the depreciated value of the car which can be thousands less than you just paid for the car. Cancellation methods are typically calculated using an online wheel calculator.