Being Primary Driver on 2 Cars..

[Nadz]

k im 16 years old, i drive a 99 chev malibu and i pay just under 9g;s a year insurance... if i were 2 insure another older car IE: late 80z 2 early 90z, how much am i looking 2 spend..?
will it be the same?
alot lesss
or whatt?
btw it wuld be a 2dr sports car..

[C_CRX]

Well the 9g's (damn you pay lots, accidents?) is probably for FULL coverage. For an older car full coverage is usually a waste since the car is only worth under 10K at the most so your basic PLPD coverage would be enough as the car would be worth less the 9K insurance. Take the money saved and buy mods. if you get in an accident you take all the mods off and buy another car to put them on. HTH

[/////AMG]

If it a older vehicle it'll be less. BTW have you taken driving school or something like that? Because that will bring your insurance down quite a bit. I would go with State Farm Insurance. I'm with them and you get a big discount if you have taken Driving School within the last 2 years and if your a full time student with an average over 70%.
Saved me a whole lot of money:thumbsup:

[Nadz]

yea well i contacted state farm and they wuldnt insure my familyy cuz were a high risk family
mom been in a wreck
brothers been in a wreck and also has a careless driving chargee

and yes i have taked driversedd, however it doesnt seem 2 do much for my insurance

if the car i purchase was to be worth less than 2000 how much wuld ma insurance be approxiametly

cuz i hear some people who say their insurance is like 900 a yearr, so i was wondering if it would be something like that..?

o andd yea im accident and ticket free...

[rage2]

It would be the same. If I have 10 cars and 1 driver, I have to pay for 10 full policies, even though I can only drive 1 car at a time.

If I had 1 car and 2 drivers, there's only 1 policy, even though the car would be driven twice as much (therefore TWICE the risk). How weird is that? :)

[euro_racer]

yo porsche, how much do you pay??

[max_boost]

With Statefarm, the more cars I have, the bigger the discount. I'm the primary driver on both cars.

Normally it is
S2000 $220/month
RSX-S $200/month

Activate both cars which was the case in the summer, the rates were reduced.
S2000 $190/month
RSX-S $140/month

Make sense? It should reduce, it be weird if it didn't cause you can only drive one car at a time. Maybe my policies are different than Rage's

[Nadz]

u got some cheap insurancee
shiet u lucky dawggg

[nex]

holy shit you pay alot for insurance, my best advice would for you to grab a diffrent insurance agency. Im 17 and I drive a 1999 olds alero 2 door and i pay 5grand a year. Our cars are the same platform and i have a 2door with a bigger engine, if you have taken drivers ed and dont have any accidents on your record no way it should be that much.

But thats just my .02cents

[vtec]

yea how do you pay 9g's a year??...damn!!

[Sai]

9 grand.......... last year i paid 4400 per year on my supra >.<

[Hash_man]

Ya, thats nuts, I'm 17 and pay $2600 a year, full time driver, with PLPD and theft/fire coverage.

[/////AMG]

Originally posted by euro_racer
yo porsche, how much do you pay??


I pay $150/yr part-time on the cavalier, but I barely drive it.

They quoted me umm like $1100/yr full coverage full-time.

[Seanith]

wow $9k a year? Its almost not even worth driving if its that expensive.

[africano]

yeah nadz that sounds a lot,
but you haven't answered the question

Have you had a crash?

like 10 ppl asked you that:nut:

[sin]

why does it matter, im pretty sure you arent paying that anyway

[Nadz]

Originally posted by Nadz


o andd yea im accident and ticket free...

yes i did in the first post
haha its all good tho
yea accident and ticket free. Clean record and ive also completed driversed with AMA

so everyone says im paying to much.. yea i know that. Got any suggestions for companys i should call?

and PLPD isint a option...

btw, im currently with Cooperators

[Nadz]

and sin why would i lie about how much im paying?
wel not me paying, my mom payingg.....but yea same difference...

[rage2]

Originally posted by max_boost
With Statefarm, the more cars I have, the bigger the discount. I'm the primary driver on both cars.

Normally it is
S2000 $220/month
RSX-S $200/month

Activate both cars which was the case in the summer, the rates were reduced.
S2000 $190/month
RSX-S $140/month

Make sense? It should reduce, it be weird if it didn't cause you can only drive one car at a time. Maybe my policies are different than Rage's
Weird, I don't get discounts like that. I actually moved all my policies over to a new company one by one, no additional discounts. Although my rates are WAY cheaper than yours.

SLK 32 AMG - $93/month
Porsche 944 Turbo - $94/month
Civic DX Hatchback - $38/month

All are PLPD + Comprehensive.

[max_boost]

Originally posted by rage2

Weird, I don't get discounts like that. I actually moved all my policies over to a new company one by one, no additional discounts. Although my rates are WAY cheaper than yours.

SLK 32 AMG - $93/month
Porsche 944 Turbo - $94/month
Civic DX Hatchback - $38/month

All are PLPD + Comprehensive. :rofl: :rofl: :rofl: That's so freaking cheap dude, especially on the AMG!!!!:eek: :eek: :eek:

[Nadz]

man u got some nice carss
shiet

[logix]

Originally posted by rage2

Weird, I don't get discounts like that. I actually moved all my policies over to a new company one by one, no additional discounts. Although my rates are WAY cheaper than yours.

SLK 32 AMG - $93/month
Porsche 944 Turbo - $94/month
Civic DX Hatchback - $38/month

All are PLPD + Comprehensive.

:eek: :eek: WHOA that's cheap!

[nex]

Originally posted by Nadz


yes i did in the first post
haha its all good tho
yea accident and ticket free. Clean record and ive also completed driversed with AMA

so everyone says im paying to much.. yea i know that. Got any suggestions for companys i should call?

and PLPD isint a option...

btw, im currently with Cooperators

your getting ripped off im with cooperators too. Like i said before no way your insurance should be that much!

[Nadz]

yea well i duno, cuz every company i called rates wer elike thiss...
ne suggestions of where or who i should be talking to...

i tink its more so cuz ma family has a bad record versus me being 16

like wheni called state farm they sed my family was 2 high risk 2 be insured...

[sputnik]

Nadz... why not seperate yourself from your family policy?

You are probably better off on your own policy... also... just get a car where you only need PLPD... my cousin had a new Eagle Talon a while back when he was 18... $400/month car payment.... $400/month insurance (so STUPID)

[C4S]

Originally posted by rage2

Weird, I don't get discounts like that. I actually moved all my policies over to a new company one by one, no additional discounts. Although my rates are WAY cheaper than yours.
SLK 32 AMG - $93/month
Porsche 944 Turbo - $94/month
Civic DX Hatchback - $38/month
All are PLPD + Comprehensive.

Wow ! what company is it ? good deal ! like $230 a month !
how about the SLK320 ?
by the way, what is PLPD ? :)

[ramminghard]

personal liability property damage

it covers anything you do to someone else

[3G]

Originally posted by Nadz
yea well i duno, cuz every company i called rates wer elike thiss...
ne suggestions of where or who i should be talking to...

i tink its more so cuz ma family has a bad record versus me being 16

like wheni called state farm they sed my family was 2 high risk 2 be insured...

Co-operators is a bunch of NAZIS..i went to get a quote for an old POS not worth 1 grand , they quoted me 6200/year damn SOBS

[rc2002]

It'd be really hard to find a company to insure you on your own if you're only 16. I'm almost 22 and I had to call a lot of companies before I would find one that would insure my age category.

State Farm was the cheapest but they said they had too many people on their waiting list and would only insure me if I also bought another line of insurance (so I went for life insurance for $30/month which was the cheapest), and the total ended up to be $3000/year for full coverage on my 1999 Prelude. But that was after I proved that my GPA was over 3.0, that I passed a driver's course with AMA, and that my driving record was accident and demerit free.

If State Farm doesn't work for you, my friend is with Renfrew and he's been with them on his own since he started driving. He pays something like $150/month for his Toyota Corolla. You should try them.

[TypeS]

Hey Hash man, how'd you go about swingin 2600$ a year? I'm a year older than you drivin' a friggin 4dr 4banger escort with no accidents tickets or anything, insured for about 8 months, paying $3800:confused:

but our insurance company has been really choking us up lately...got any advice? i'd love to pay that much.



oh and Nadz....HOW DO YOU AFFORD 9G's A YEAR INSURANCE AT 16 YRS OLD?

[Nadz]

welll its 8700 but the same difference i guess...
well what can i say, i love my mommmy!!
hahaahaha
she also pays 8300 for ma bro
and 4600 for herself

[sputnik]

www.tdinsurance.com (Primmum)

they insured me $1000 cheaper than what my previous broker was able to get me