Dear lord, nearly 1500 dollars for my insurance, PER SIX MONTHS!

[Imdmn04]

whats your driving record, any tickets?

also are you a student? you might be able to get a good student discount, if you have a decent gpa, like 3.5

 

[erikiksaz]

Originally posted by: Imdmn04
whats your driving record, any tickets?

also are you a student? you might be able to get a good student discount, if you have a decent gpa, like 3.5

I have no driving record

I just got my license not too long ago. But yes, i should be able to apply for the Good Student Discount.

 

[ElFenix]

is that canadian money?

i'm paying 1500 US full coverage on a new car. it'll drop to about half that when i turn 25

 

[erikiksaz]

Originally posted by: ElFenix
is that canadian money?

i'm paying 1500 US full coverage on a new car. it'll drop to about half that when i turn 25

I wish. It's good ol' California greenback.

 

[Scouzer]

Will be $275 CDN a month for me when I get a car in a couple months. 1990 Ford Tempo. Liability only.

No companies will take on a new driver without their parents at the company, and my mother's company only offers a minimum of $1 million liability coverage. Legal minimum is $200k.

I get screwed.

 

[Ultima]

I hate to tell you this, but my rate was $250 ($CDN!), and that for an entire year, on a '88 car. How the HELL can you be paying $3000 per year on a car that's worth nowhere near that? Did you buy full coverage? If so, I don't mean to offend you but you're an idiot. You're spending more on insurance than the car is worth! Comeon! Just get one-way and you'll literally save thousands.

Originally posted by: erikiksaz
The insurance companies RAPE on kids like me! Sheesh, 1,483 dollars for six months, split into four payments. It's insane i tell you! What was your rate when you guys first got your license/car?

/this is with a 91 CRX btw. Do you think it'll go up when i get my 95 GTI VR6 (in a several months time, depending when the '04 Mercedes are released)?


Another friend just told me she only pays 900 dollars for full coverage! She's 18 as well, but she's been driving for no more than two years. Is this even possible?

 

[erikiksaz]

See Ultima, this relates back to the car being owned by my brother. It's his toy car--he lent it to me since i won't be getting the gti vr6 until the new Mercedes are out. He's always wanted another crx to toy around with and i believe good condition crx's are hard to find nowadays. THAT is why he told me to get full coverage. If it was my car i'd surely go liability!

And coupled with the fact that i'm a new driver (and a new stick driver).

 

[Ultima]

Originally posted by: erikiksaz
See Ultima, this relates back to the car being owned by my brother. It's his toy car--he lent it to me since i won't be getting the gti vr6 until the new Mercedes are out. He's always wanted another crx to toy around with and i believe good condition crx's are hard to find nowadays. THAT is why he told me to get full coverage. If it was my car i'd surely go liability!

And coupled with the fact that i'm a new driver (and a new stick driver).

For the money you're paying, you could just buy yourself a decent old car for a grand and save thousands on insurance. Let him keep his "toy".
edit: Or keep paying.. I guess you won't have to wait THAT long?

 

[erikiksaz]

Originally posted by: Ultima

Originally posted by: erikiksaz
See Ultima, this relates back to the car being owned by my brother. It's his toy car--he lent it to me since i won't be getting the gti vr6 until the new Mercedes are out. He's always wanted another crx to toy around with and i believe good condition crx's are hard to find nowadays. THAT is why he told me to get full coverage. If it was my car i'd surely go liability!

And coupled with the fact that i'm a new driver (and a new stick driver).

For the money you're paying, you could just buy yourself a decent old car for a grand and save thousands on insurance. Let him keep his "toy".
edit: Or keep paying.. I guess you won't have to wait THAT long?

Yeah, it'll only be until the end of the year. My friend told me when preordered Mercedes usually come out near the end of the year. Anyways, by then i'll have the gti vr6. With that car, valued at around 5k, liability would be fine, right?

Btw, what happens if you cancel your insurance after six months? Any fees incurred?

 

[Angrymarshmello]

Dood you should make your bro pay for it if he wants full on it. You mentioned your friend paying 900 for full - how many miles away does she live? Zip code can make a huge difference (it's like 1500 liability only for me on a 88 Accord, a friend who lives about 25 miles from me pays $99 a month, full coverage on a 02 Civic)

 

[Yzzim]

Originally posted by: erikiksaz

Originally posted by: rbloedow

Originally posted by: erikiksaz

Originally posted by: rbloedow I only pay 900 every 6 months, I'm an 18 year old male, and drive a 1998 Nissan 200sx (it's a coupe). Looks like you need to find another insurance company.

Yeah, my other friend seems to have the same price. What's your insurance company?

American National - they has the best rates I have ever seen. None of the MAJOR competitors liek Geico, Progressive, State Farm, etc can beat them. <a href="http://www.anpac.com/">[url]http://www.anpac.com/</A>[/q[/url]

I just tried retreiving a quote from them, and it was 1700 dollars!

My quote was $1,116.50 with a 97 Grand Am.

Had a speeding ticket about 2 years ago and that was it.

Edit: OMG!!! Without the speeding ticket on my record I get a quote of $741.50

That speeding ticket cost a lot more then the $85 I paid 2 years ago!! :Q:Q:Q:Q

 

[Imported]

I think mine is like.. $1300 a year? Or was it $1300 every six months.. I can't remember since I don't pay yet.. I'm 19..

 

[Ultima]

Originally posted by: erikiksaz

Originally posted by: Ultima

Originally posted by: erikiksaz
See Ultima, this relates back to the car being owned by my brother. It's his toy car--he lent it to me since i won't be getting the gti vr6 until the new Mercedes are out. He's always wanted another crx to toy around with and i believe good condition crx's are hard to find nowadays. THAT is why he told me to get full coverage. If it was my car i'd surely go liability!

And coupled with the fact that i'm a new driver (and a new stick driver).

For the money you're paying, you could just buy yourself a decent old car for a grand and save thousands on insurance. Let him keep his "toy".
edit: Or keep paying.. I guess you won't have to wait THAT long?

Yeah, it'll only be until the end of the year. My friend told me when preordered Mercedes usually come out near the end of the year. Anyways, by then i'll have the gti vr6. With that car, valued at around 5k, liability would be fine, right?

Btw, what happens if you cancel your insurance after six months? Any fees incurred?

Did you agree to some sort of contract? Otherwise, I don't see why. I cancelled mine (as I no longer had a car) after I got the claim for my accident and there were no fees.

 

[Ultima]

Originally posted by: Angrymarshmello
Dood you should make your bro pay for it if he wants full on it. You mentioned your friend paying 900 for full - how many miles away does she live? Zip code can make a huge difference (it's like 1500 liability only for me on a 88 Accord, a friend who lives about 25 miles from me pays $99 a month, full coverage on a 02 Civic)

1500 liability for an accord? You people like taking it up the ass from big companies or what? that is incredibly insane.

 

[Ultima]

Originally posted by: Yzzim

Originally posted by: erikiksaz

Originally posted by: rbloedow

Originally posted by: erikiksaz

Originally posted by: rbloedow I only pay 900 every 6 months, I'm an 18 year old male, and drive a 1998 Nissan 200sx (it's a coupe). Looks like you need to find another insurance company.

Yeah, my other friend seems to have the same price. What's your insurance company?

American National - they has the best rates I have ever seen. None of the MAJOR competitors liek Geico, Progressive, State Farm, etc can beat them. <a href="http://www.anpac.com/">[url]http://www.anpac.com/</A>[/q[/url]

I just tried retreiving a quote from them, and it was 1700 dollars!

My quote was $1,116.50 with a 97 Grand Am.

Had a speeding ticket about 2 years ago and that was it.

Edit: OMG!!! Without the speeding ticket on my record I get a quote of $741.50

That speeding ticket cost a lot more then the $85 I paid 2 years ago!! :Q:Q:Q:Q

Which is why you should always contest them. At the very most you'll have to pay the fine which you have to do anyways if you don't contest.

 

[shoeish]

2003 Chevy Silverado 4x4 3/4 Ton
2001 Honda F4i 600cc Sportbike
1994 Mustang Cobra

$500 deductable on everything, collision and comp, 100/300, $15000 medical

$1400 a year

I'm almost 23, one $2500 10mph wreck on the bike. They lowered my yearly rate $14 after the wreck. (?)

 

[SCSIfreek]

full coverage: $500 deduct

$1260/year on two cars

2001 BMW 325i
2002 Honda Accord SE

I'm a old fart at 28.


--Scsi

 

[XZeroII]

[Jim Carrey]QUIT BREAKING THE LAW A$$H0!![/Jim Carrey]

 

[mrCide]

don't feel bad, mine is $1950 every 6 months.

 

[Electric Amish]

Mine was $80/mo when I first got insurance on my '69 Bronco.

amish

 

[Viper GTS]

I just got an American National quote, their original (default values) was $3990 per six months. By choosing the lowest possible for everything I got it down to $2700. That's still double what my car would be worth (86 Accord DX) every six months. Not a chance in hell I'm paying that.

I even set it to not start until after I turn 21, & I only have one violation/accident (speeding, 10-19 over).

Viper GTS

 

[dman]

I don't have car insurance. That's why others have uninsured motorist coverage, right?














J/K! Of course I have insurance. But it's pointless to talk about it here as it varies based on car, driver, your sex, and insurance company.

 

[GroundZero]

you're not telling us everything...
how many tickets do you have and for what?

 

[rh71]

To contrast the high prices kids pay (I'm finally 25, FYI)... my dad just bought a new minivan 2 days ago. He got insurance at $550/6 months, full coverage. I pay more than that for liability alone with nothing on my record for my SUV. :|

 

[Sid59]

Originally posted by: Skoorb

Originally posted by: erikiksaz

Originally posted by: badluck
I suggest calling at least 4-5 places to get quotes. If you don't, you could be spending hundreds of dollars extra....In addition, I wouldn't get full coverage on that car. What's its value, anyways?

The value of that car is 2-3k MAX, assuming it's in good condition. The only thing i know is that it'll turn into a can if i ever get into an accident :Q

I've asked my bro in the past if i should just get liability, but he said i should stick with full coverage. What are the pros/cons of this anyways?

Go liability only on a cheap car. I have it only on my sentra but full on the maxima. It will shave a TON of money off your insurance. The con, of course, is that if you get in an accident and you were at fault your insurance company won't cover the cost of your car. However that may make you drive a little safer and considering the car is only worth $2k you can catch up reasonably quickly on saved insurance money anyhow. Many people think it's a waste of time getting full coverage on a cheap car. You'd think that full coverage would be really cheap because the car is worth so little but it doesn't seem to work that way for some reason. Ditch the full!

indeed. My grandmother gave me her 90 mitsubishi. had to give her 300 for repairs but thats it. I was thinking full coverage but i don't drive that far or often, so it'd be a waste. Plus, i only paid 300 bucks for the car. So i ditched full coverage and only got liability.

a whooping 300 bucks for 6 months. im 23.