View Full Version : How Much Do You Pay For Insurance???
frenchdriver
08-07-2002, 06:52 AM
I'm almost 18 (god dammit, still a few months to go)... been driving since 14. and i'm a guy (stupid girls with their %66 less payments) :madred:
I have a 92 mx3 and the car is under my name and so is the insurance (no third driver crap).
I'm paying $2990 a year for third party reliability <--- or some shit like that :burnout: no coverage on the car though :thumbsdow
Just wondering if everyone else has to sell their organs like me to afford their insurance.
Maybe I'm getting fucked :banghead: :banghead: :banghead:
rage2
08-07-2002, 09:03 AM
At times like this, I'm glad I'm an old fart. :thumbsup:
I pay around $1000/car, full coverage. No tickets, no accidents.
$1600/yr, full coverage, $1 million liability, blah, blah, blah incl windshield. No tix, no accidents in my history.
Rage2: where's Arbour Lake? :dunno:
Originally posted by Seks
Rage2: where's Arbour Lake? :dunno:
NW Calgary. High Roller country.
My insurance is less than $20k/year, but not by much.
Mistakes were made.
Edit: Weren't you on the firestorm boards as well?
I see Dave is doing a lot of converting :p
speedracer
08-07-2002, 10:57 AM
Originally posted by rage2
At times like this, I'm glad I'm an old fart. :thumbsup:
I pay around $1000/car, full coverage. No tickets, no accidents.
Don't forget the married part... Makes it seem like your a more responsible person...:rofl:
I pay $1056 for full coverage. No accidents and 2 tickets.
Redlyne_mr2
08-07-2002, 11:12 AM
sleepign with an insurance agent helps to reduce your rates...it's one of those "loop holes" in the system
buh_buh
08-07-2002, 11:14 AM
$10k a year only public liability.
Originally posted by buh_buh
$10k a year only public liability.
Holy SHIT
boi-alien
08-07-2002, 11:27 AM
what kev pays for insurance can buy some people's cars on this board
max_boost
08-07-2002, 11:31 AM
$4000 for a 2000 BMW323I
Part time under my parents name.
No tickets in 4 years, no accidents in 5 so I assume my record should be clean now?
Originally posted by buh_buh
$10k a year only public liability.
What the fuck man!?? On a Prelude? Did you run over an insurance agent's kid or something??:dunno:
max_boost
08-07-2002, 11:33 AM
Originally posted by B17a
What the fuck man!?? On a Prelude? Did you run over an insurance agent's kid or something??:dunno: '
That's how it is for a 18 year old! I bought my Prelude when I was 18 and my insurance quoted me $8000 but I went under my parents name but still paid $5000.
buh_buh
08-07-2002, 11:34 AM
Originally posted by B17a
What the fuck man!?? On a Prelude? Did you run over an insurance agent's kid or something??:dunno:
not exactly.
but let's see.....
4 speeding tickets, 1 accident, 1 excessive speeding ticket = ass raping on insurance.
But all those tickets were like a year or 2 ago.
I don't speed much anymore.
Define "excessive speeding".
Hard to justify spending more than a 1/3 of the value of a car on insurance.
Eagle Eye
08-07-2002, 11:40 AM
About $7500 - $8000.
Superesc
08-07-2002, 11:41 AM
1300 a year... should be full coverage... I hope.. eerrr...
2900 PL/PD.
Renual is next month and it should drop about a grand.
HRD2PLZ
08-07-2002, 11:58 AM
Mine is just unver $4400 a year. Judging by previous posts, its almost a deal. I'm 19, driving full time for over 3 years now.
Full coverage on the Accord (except windshield), 3 tickets, 3 not-at-fault accidents and 1-at-fault accident. And that includes insurance coverage to drive our other 3 cars aswell...:dunno:
Originally posted by HRD2PLZ
Mine is just unver $4400 a year. Judging by previous posts, its almost a deal. I'm 19, driving full time for over 3 years now.
Full coverage on the Accord (except windshield), 3 tickets, 3 not-at-fault accidents and 1-at-fault accident. And that includes insurance coverage to drive our other 3 cars aswell...:dunno:
Who the hell is your insurance carrier!
Ta-Dah!
08-07-2002, 12:12 PM
Originally posted by bol
Who the hell is your insurance carrier!
I second that, wtf!!!
Voodoo Child
08-07-2002, 12:48 PM
$1700/yr with 2million liability, full coverage.
1 accident (RIP Corrado) 1 excessive speeding ticket.
They're just scared of the Voodoo!
Eagle Eye
08-07-2002, 12:52 PM
Originally posted by Voodoo Child
$1700/yr with 2million liability, full coverage.
1 accident (RIP Corrado) 1 excessive speeding ticket.
They're just scared of the Voodoo!
2 Million Liability? Wow, that's awesome. Especially for only 1700/year. They only offer 1 Million Liability to me.
Some of you guys on here pay alot for insurance! Holycow,like 7k,10k I dono if I could afford that:dunno: But I guess it depends on the car acutally.
legendboy
08-07-2002, 02:53 PM
Mine just halfed. $2700/yr for liability. No comp or collision. :(
Good news is that it will be going down to about $1900/yr on my B-Day in October :D
Mine has been as high as $615/mo in the past (for pl & pd)
dj_honda
08-07-2002, 02:58 PM
off topic..........but nice pic in the avatar Eagle Eye..
kristin kreuk is damn fine...
Originally posted by max_boost
$4000 for a 2000 BMW323I
Part time under my parents name.
How does that work? You guys have more cars than drivers, I thought to go under your parents name, you have to have only two cars in the house. Anything else goes under yours?
Thats what my dad told me, and says we can only have two cars in the house. WHen I get mine, one has to go. He could just be making stuff up to me tho?
MaYzE
08-07-2002, 06:21 PM
2000 Civic
Clean record
I pay around $4k a year
James
08-07-2002, 06:57 PM
$2190/year for Pl/Pd. on an '86 MR2,
2 or 3 Tickets.:thumbsup::rolleyes: better than anywhere else i found, i got Qouted at somethign like $4000 for 6 months, they wouldnt even give me a full year, i would have to renew after 6 months,:confused: ya fuck that :bullshit:
max_boost
08-07-2002, 08:15 PM
Originally posted by szw
How does that work? You guys have more cars than drivers, I thought to go under your parents name, you have to have only two cars in the house. Anything else goes under yours?
Thats what my dad told me, and says we can only have two cars in the house. WHen I get mine, one has to go. He could just be making stuff up to me tho?
You are correct.
To go under your parents name you will need more drivers than cars. If you have the same number of cars and drivers, that is full time cause everyone has a car at any given time.
The camry is not insured right now. Just remember, there are ways around everything! I can explain it to you the next time you come over. Don't ask Susan, she has no clue.:rofl:
Fat Dave
08-07-2002, 08:29 PM
:eek: OUCH! Man is insurance painful when you're young. It's nice that discrimination is illegal for everybody but the insurance companies.
Thank God I'm an old bastard now - I pay close to Rage's rates, about $1100 a year for full coverage.
OMOYYC
08-07-2002, 08:42 PM
Yeah, my insurance on my old car was $9000 / year (Infiniti QX4). Now that I'm older, my insurance is only $2100 / year full coverage on a 2001 330ci
max_boost
08-07-2002, 08:43 PM
Yes, I really believe that unless I am able to afford car insurance on my own, I am never moving out! So I guess I ain't leaving home until I turn 25! LOL
frenchdriver
08-08-2002, 04:04 AM
Originally posted by max_boost
Yes, I really believe that unless I am able to afford car insurance on my own, I am never moving out! So I guess I ain't leaving home until I turn 25! LOL
usually the big "4" "0" is a good sign to leave :thumbsup:
BTW: my problem is that i'm paying about $3000 now but in september when the new "insurance year" begins, this years new 4 speeding tickets (including a 46 over :D ) and one fender-bender at-fault (stupid bitch slammed on her brakes on an icy road, her rear-end slipped into the other lame (which I was in the process of entering..... and bam!)
only did a minor 2 inch crack on my bumper since I was almost stop... didn't even lock the seat belts but she still managed to sue my insurance company for "Permanant Neck Tissue Damage" whatever that bullshit means
I'm just scared of what they will quote me next year
lammer
08-08-2002, 04:08 AM
hrmm as of right now i pay..80 a month to add on with my parents for the van..soo 80x12=960 bux a year..damn thats alot of money :(
i dunno what it will be like when i get my own car..:banghead: :banghead: :banghead: :(
Dope Dealer
08-08-2002, 10:30 AM
Originally posted by lammer
hrmm as of right now i pay..80 a month to add on with my parents for the van..soo 80x12=960 bux a year..damn thats alot of money :(
i dunno what it will be like when i get my own car..:banghead: :banghead: :banghead: :(
I estimate you will probably be paying around $4000 - $5000 if you go with that MX6 you were looking at.
Import_Girl
08-08-2002, 11:07 AM
in the mail today i got a letter from my insurance company, i am up for renewal and they are refusing to renew me at this time because i am high risk. Damn tickets. so they are going to bend me over and you no what to my insurance rate. presently im paying 1500 a year. Im 20 and have had that insurance for 4 years under my own name, so im trying to get quotes from other companys, any one have any suggestions as to what company insures high risk drivers for cheaper than others? or just plain cheaper....i need to stop speeding, iv had 4 tickets this year, 1 last year, and 3 the previous year, one more and my licence is toast....shit:banghead: HELP, I have untill september 22 to find new insurance or prepared to get raped by co-operators
max_boost
08-08-2002, 11:12 AM
If it wasn't for this car insurance crap I would have dropped my money on a cab and cruise top down! But I can't, so like the many good things in life, I'll just wait.
redline
08-08-2002, 11:17 AM
Originally posted by Import_Girl
in the mail today i got a letter from my insurance company, i am up for renewal and they are refusing to renew me at this time because i am high risk. Damn tickets. so they are going to bend me over and you no what to my insurance rate. presently im paying 1500 a year. Im 20 and have had that insurance for 4 years under my own name, so im trying to get quotes from other companys, any one have any suggestions as to what company insures high risk drivers for cheaper than others? or just plain cheaper....i need to stop speeding, iv had 4 tickets this year, 1 last year, and 3 the previous year, one more and my licence is toast....shit:banghead: HELP, I have untill september 22 to find new insurance or prepared to get raped by co-operators
holy shit with that many tickets only pafco(sp?) or other high risk companies will take you! be perpared to pay $10g/yr.
2000impreza
08-08-2002, 11:17 AM
no kidding man. if it wasn't for my insurance i would be driving around in a much nicer car :madred: .
Okay...I just recieved my renewal in the mail today for my insurance company!
I'm 19, no drivers ED.
Current company: ING Novex; Been with for 1 year
1000000 Liab, PL/PD, 250 Ded. Comprehensive no Glass.
3596.00/yr or 299.67/mo
I called TD Home and Auto Insurance:
1000000 Liab, PL/PD, 250 Ded W/glass
1936.00/yr or 161.30/mo
Thats a savings of 46%!!!
I just about died when I saw my renewal, as I was expecting it to be 2500 and not 3600 a year.
So as you can understand, I'm very happy...as I'm going to have an extra 150 bucks a month extra, which IMO is pretty substantial!
Dope Dealer
08-08-2002, 12:33 PM
Originally posted by Benny
Okay...I just recieved my renewal in the mail today for my insurance company!
I'm 19, no drivers ED.
Current company: ING Novex; Been with for 1 year
1000000 Liab, PL/PD, 250 Ded. Comprehensive no Glass.
3596.00/yr or 299.67/mo
I called TD Home and Auto Insurance:
1000000 Liab, PL/PD, 250 Ded W/glass
1936.00/yr or 161.30/mo
Thats a savings of 46%!!!
I just about died when I saw my renewal, as I was expecting it to be 2500 and not 3600 a year.
So as you can understand, I'm very happy...as I'm going to have an extra 150 bucks a month extra, which IMO is pretty substantial!
Wow, that TD Home is a great savings! Surprised it is so cheap considering you didn’t even take the drivers ed. course. I took the damn course and they still want $8000 from me. Plus they also have glass coverage which the other company doesn’t offer.
Is TD Home affiliated with TD Canada Trust?
go to kanetix.com and do a quote online, it will tell you what you pay with about 4-5 companies
thats how I found TD...next closest was like 3200
Dope Dealer
08-08-2002, 12:38 PM
Originally posted by Benny
go to kanetix.com and do a quote online, it will tell you what you pay with about 4-5 companies
thats how I found TD...next closest was like 3200
Tried that. When I pressed the search function, no company would approve me. I will try again and see what I come up with.
whats your record like man...hahaha
ThreePly
08-08-2002, 12:54 PM
Those quotes off of kanetix seem a bit high. The only one that seems right is the TD Home and Auto insurance quote. I think something's rigged there. My quote was around 1700 for TD, and that's what I'm paying at AMA. The other quotes off of that kanetix site were 4,000 - 5,000...and that seems excessively high. I think they're inflating the competitions quotes or something.
Kanetix isn't associated with TD, but look at my company I have currently, 3600 a year was even more than the other companies on there quoted me...
TD is definatly a good company, i have heard good things about it from a couple people...
My dad insured his BMW motorcycle through them, we didn't go through kanetix site, he just called them an it was like 600 less than ING
Redlyne_mr2
08-08-2002, 01:07 PM
Originally posted by Benny
Kanetix isn't associated with TD, but look at my company I have currently, 3600 a year was even more than the other companies on there quoted me...
TD is definatly a good company, i have heard good things about it from a couple people...
My dad insured his BMW motorcycle through them, we didn't go through kanetix site, he just called them an it was like 600 less than ING
Dude from the pictures Ive seen your dads bimmercycle is pimp man...where do you get parts from that thing..can you get them through a bmw dealership?
Are those prices including liability and collision Benny? i just dropped by Allstate and they quoted me 6000+ for everything.
Redlyne_mr2
08-08-2002, 01:25 PM
Originally posted by James
$2190/year for Pl/Pd. on an '86 MR2,
2 or 3 Tickets.:thumbsup::rolleyes: better than anywhere else i found, i got Qouted at somethign like $4000 for 6 months, they wouldnt even give me a full year, i would have to renew after 6 months,:confused: ya fuck that :bullshit:
about 5500 a year on the 91 mr2 turbo, full coverage..the car is only insured for 4 months of the year though so whatever...my other vehicles are indured through dads company so I only pay liek 400 a year for them
Originally posted by szw
Are those prices including liability and collision Benny? i just dropped by Allstate and they quoted me 6000+ for everything.
dude, read what I posted, 1000000 Liability PL/PD which means no collission...
Originally posted by Redlyne_mr2
Dude from the pictures Ive seen your dads bimmercycle is pimp man...where do you get parts from that thing..can you get them through a bmw dealership?
Yeah, I'm jealous, but yeah, any BMW motorcycle place can get stuff for them.
HRD2PLZ
08-08-2002, 02:23 PM
Originally posted by bol
Who the hell is your insurance carrier!
We go through an insurance broker. He gives a lot of slack because we've got all 4 of our vehicles insured with him.
Tim DeJong (pronounced DeYoung)
DeJong's Insurance Services
ph- 245-1192
The actual insurance carrier is CGU Canada
TomTom
08-08-2002, 04:46 PM
benny i looked at them when i was first looking to get it, its a link off the msn website under insurance right? is that where you found it?
is there any offices that you have been too or is it all online?
do you like them?
im paying 255 would like to lower it.
TD shows 2795 and there the low one! RBC next lowest at 4282 wtf how is yours 167?
Import_Girl
08-08-2002, 05:00 PM
i went to kanetix.com and they quoted me 130 per month....i dont understand...that is cheaper than what i am paying now...my insurance co called me back and thy told me that it isnt because of my tickets that it is going up to 380 per month, it is because i have an after market bumper...how gay is that, so i called the same company but a different branch and they told me that it should have no affect, i am so confused....:banghead:
Originally posted by TomTom
TD shows 2795 and there the low one! RBC next lowest at 4282 wtf how is yours 167?
because I have an 84 jetta with no collision, you have a nice prelude!
Import_Girl
08-08-2002, 05:05 PM
TomTom, is your name Ryan? hehehe...i know someone that went to high school with.
GT2NV
08-09-2002, 12:17 AM
i pay 300 a month:thumbsdow
James
08-09-2002, 06:03 AM
Yeah TD is who I am with, really good rates, the service can suck sometimes, as its all over the phone, and they dont ever have enough people answering phones:madred:.
Benny: why dont you take the Drivers ED course?? Your insurance should drop almost in half!:dunno:
Ryan: thats not too bad for a '91 MR2 Turbo, but it sucks that you only drive it 4 months of the year.
never had time nor the 400 bucks.
Voodoo Child
08-09-2002, 08:31 AM
Hey guys,
This is just a little bit of insite from a wise lawyer I know.
If you can get decent rates with 2 million liability I would STRONGLY suggest it. Reason being is that this lawyer (my dad) has dealt with many insurance cases and told me that 1m is just not enough anymore in most cases. If you were to ever seriously injure someone, settlements these days are outrageous!
You would be doing yourself a great favor by bumping it up. Now I understand $ is what it comes down too, but if you can afford it, do it!
Happy hunting.
VC
:thumbsup:
girlRACER
08-09-2002, 02:23 PM
My frigging insurance company raised rates on me....originally I'm supposed to pay $6600 but since my accident, they already assumed fault on my part without telling me and raised my premiums to $8200. I'm paying for insurance on two cars: My G20 and the SLK. I've only had 1 minor ticket.
That Kanetix.com website quoted me between 10,000 - 14,000!!!
But I insure with my moms company...that is supposed to be cheaper.
Originally posted by girlRACER
My frigging insurance company raised rates on me....originally I'm supposed to pay $6600 but since my accident, they already assumed fault on my part without telling me and raised my premiums to $8200. I'm paying for insurance on two cars: My G20 and the SLK. I've only had 1 minor ticket.
That Kanetix.com website quoted me between 10,000 - 14,000!!!
But I insure with my moms company...that is supposed to be cheaper.
Somethings whacked then, because me on a 2002 Porsche 911 TT full coverage and all that good stuff is only 11500 a year
That seems pretty steep for a female with 1 ticket (1 doesn't raise your insurance)
Some examples:
Me on '02 SLK32AMG= 7100 full coverage
Me on '02 SLK320= 5400 full coverage
Me on '02 BMW M3= 8400 full coverage
Me on '02 GTI= 6000 full coverage
Me on '02 Jetta GLXVR6= 4200 full coverage
Me on '02 S2000= 5350 full coverage
Me on a Prelude SH= 5500 full coverage
Me on my car= 2500 full coverage
max_boost
08-09-2002, 04:04 PM
Originally posted by Benny
Some examples:
Me on '02 SLK32AMG= 7100 full coverage
Me on '02 SLK320= 5400 full coverage
Me on '02 BMW M3= 8400 full coverage
Me on '02 GTI= 6000 full coverage
Me on '02 Jetta GLXVR6= 4200 full coverage
Me on '02 S2000= 5350 full coverage
Me on a Prelude SH= 5500 full coverage
Me on my car= 2500 full coverage
How can insurance be more on a Prelude over a S2000?:dunno:
redline
08-09-2002, 04:10 PM
Originally posted by max_boost
How can insurance be more on a Prelude over a S2000?:dunno:
ludes would more then likely be stolen more often then a S2000 and that is a major reason for insurance rates!
girlRACER
08-09-2002, 06:18 PM
Originally posted by Benny
Somethings whacked then, because me on a 2002 Porsche 911 TT full coverage and all that good stuff is only 11500 a year
That seems pretty steep for a female with 1 ticket (1 doesn't raise your insurance)
Some examples:
Me on '02 SLK32AMG= 7100 full coverage
Me on '02 SLK320= 5400 full coverage
Me on '02 BMW M3= 8400 full coverage
Me on '02 GTI= 6000 full coverage
Me on '02 Jetta GLXVR6= 4200 full coverage
Me on '02 S2000= 5350 full coverage
Me on a Prelude SH= 5500 full coverage
Me on my car= 2500 full coverage
I think the reason it is so much is because the quote is for insurance on TWO cars, not just one.
Import_Girl
08-09-2002, 06:22 PM
o tay....i found new insurance through TD....cheaper than what im paying now...$1746 per year...yeah baby......i feel better now
redline_13000
10-06-2002, 06:51 PM
493 a month
RX-7_TWINTURBO
10-06-2002, 06:57 PM
Originally posted by redline_13000
493 a month
ouch that sucks dude
Pole Position
10-06-2002, 06:58 PM
So which insurance company will take high risk drivers?
91_Integz
10-06-2002, 09:25 PM
I think that all company's are raising their insurance rates. Mine is going up at the end of this year. Right now I pay $175 a month with no collision. So that's what, like $2100 a year? I think mine if going up to $2500 a year. I'm 19 and have no tickets and have drivers ed
Stratus_Power
10-06-2002, 10:15 PM
its so much cheaper apparently for me to go w/ my family's insurance family ( statsfarm)
i was quoted 3400/year for a hyundai tiburon 03 under my name..
then i used the kanetix.com werbsite and i was quoted 6700/year the cheapest.. with TD
i even got quote of 3200/year on a 00' VW golf w/ statsfarm and 5900 w/ TD in kanetix.com
2000impreza
10-06-2002, 10:33 PM
i'm looking for a insurance company that is willing to give me a better rate... right now i'm paying $5100/year at royal sun & alliance. next year i want to switch. so statefarm gives decent rates? any others? kanetix quoted cheaper than what i'm paying right now. co-operators quoted me $6000+......
Stratus_Power
10-06-2002, 10:35 PM
i dont know if its cuz statsfarm is cheap or just that we have them insure everything from houses to cars..
when i turned 16, it only costed me $46/6 months as occasionally driver on 2 cars...
Davetronz
10-06-2002, 10:39 PM
Well I guess I shall join the fun.
1996 Eagle Talon TSi AWD
2 Million Liability, $1000 deductable, No Glass, Full Coverage: $6500/yr
1992 Chevy Crapmaro RS
1 Million Liability, $500 deductable, No Glass, Full Coverage:
$3800/yr
Plus I get insured as a part time driver on my moms vans (business and personal) and my dads Z71.
Not to shabby..... Would like to pay less though :)
Ps. No tickets, No accidents, 1 not at fault.
Weapon_R
10-06-2002, 10:42 PM
You guys think insurance is BS, try having an integra - when that report came out on Kanetix.com saying tegs have the highest theft rate, I did a quote. Apparently having a 2002 Mustang GT Convertible is the same price as having my teg...
TheXplosion
10-06-2002, 10:56 PM
I was wacthing my dad the other day he was doing some shit with the insurance and my dad has an 1986 caprice and he is paying $760/year.
CLiVE
10-06-2002, 11:25 PM
I pay about $1500 a year, full coverage. No accidents, no tickets, 5 star rating, and an occupational discount. :D
And it will finally go down a lot in Jan. when I turn 25.
Mikaldor
10-07-2002, 07:42 AM
Man, judging from the $$ on the previous posts, I am super glad that I am an old fart.
I pay less that $850 per year on each car. Full coverage, except glass. Minimum 1 M, max 2 M.
On the 2 summer cars, I pay $240 and $140 for a full year including coverage for parts, and replacement at appraised value, not book value.
Arthur Dent
10-08-2002, 03:50 PM
I pay about $1000 a year I guess. It pays to be an old-ish married fart I guess.
CLiVE
10-08-2002, 03:56 PM
Originally posted by Arthur Dent
I pay about $1000 a year I guess. It pays to be an old-ish married fart I guess.
he he...I guess I'll be an old ish married fart by this time next year.....lol. Well at least I'll be a married fart, 25 isn't that old-ish...I don't think?
Arthur Dent
10-08-2002, 04:12 PM
Originally posted by memystealthandi
he he...I guess I'll be an old ish married fart by this time next year.....lol. Well at least I'll be a married fart, 25 isn't that old-ish...I don't think?
it seems to be ancient here. :D
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