High Risk Insurance!!

[Pole Position]

My driving record is horrible, and being 22 doesn't help either.

I want to know if there are any insurance company that will take "high risk" drivers. I have insurance right now, but it doesn't hurt to ask other places.

I know TD is one of the cheapest, but they won't take me. :(

I don't want to make tons of phone calls, so please advise people!!

[rage2]

Better start making tons of phone calls... back when I didn't have a "spotless record" (ok I almost got my license suspended from tons of speeding ticketes), it took about 12 different calls to random places before my dad found a place that would insure me on the 944 turbo... for a whopping $8k a year :eek:.

[sexualbanana]

Originally posted by rage2
Better start making tons of phone calls... back when I didn't have a "spotless record" (ok I almost got my license suspended from tons of speeding ticketes), it took about 12 different calls to random places before my dad found a place that would insure me on the 944 turbo... for a whopping $8k a year :eek:.

but now $8k is chump change for u right rage?

[rage2]

Originally posted by sexualbanana
but now $8k is chump change for u right rage?

I wish. I just look wealthy cuz my insurance is so cheap compared to you guys! :D

[ninjak84]

Yikes... getting labelled high risk is the worst...
Most company's won't insure you, so it's best to try and get a family hook-up.

[B18C]

Go to an insurance broker. They can usually find something decent.

[GTS Jeff]

what exactly is considered horrible?

ill be needing insurance really soon (soon as i find a crx dammit). ive been driving for just over 2 years and i have 2 minor speeding tickets and no accidents. is that horrible? im guessing that ill be looking at 2500 for a year of insurance right?

[buh_buh]

Originally posted by Jeff TYPE R
what exactly is considered horrible?
Right now I'm paying more than Rage2 did when he didn't have a "spotless record". That's pretty horrible.

[rage2]

Originally posted by buh_buh
Right now I'm paying more than Rage2 did when he didn't have a "spotless record". That's pretty horrible.

That's just because of inflation :D. That price was from like 10 years ago hehe.

[Weapon_R]

Originally posted by Jeff TYPE R
what exactly is considered horrible?

ill be needing insurance really soon (soon as i find a crx dammit). ive been driving for just over 2 years and i have 2 minor speeding tickets and no accidents. is that horrible? im guessing that ill be looking at 2500 for a year of insurance right?

If you find a better rate than that let me know. Currently I have the same driving record and 4 years of driving experience and I pay around $2700/year.

[GTS Jeff]

Originally posted by Weapon_R


If you find a better rate than that let me know. Currently I have the same driving record and 4 years of driving experience and I pay around $2700/year. uh oh! didnt wana hear that!

higher insurance = less money for car!

[szw]

2500, 2700

shit that is pretty cheap

[GTS Jeff]

Originally posted by szw
2500, 2700

shit that is pretty cheap :dunno: i just put all my info into kanetix.com and i got those numbers

how much are u paying man?

[szw]

nevermind I was thinking full coverage...its late!

Right now I am under my parents name...still doing okay there!

I just did the kanetix thing and full coverage I am between 4500-6000/year. I will probably always do full coverage cuz...i dunno..i'm a wuss. haha

[Redlyne_mr2]

do you have a car in the works Howard?;)

[jdmakkord]

insuredirect.net
out of edmonton damn cheap

[95acc]

that site does not work:dunno:

[infamous]

site no worky for me either :(

[jdmakkord]

A friend of mine told me about it...I'll ask him and let you know

[jdmakkord]

sorry guys directinsure.net

[GTS Jeff]

hmmm

Coverages 1991
HONDA
CIVIC CRX Si 2DR
Third Party Liability Limit $200,000
Accident Benefits Included
Family Protection
(SEF 44) Included
Collision Deductible No Coverage
Comprehensive Deductible No Coverage
Limited Deletion of Glass
(SEF 13d) N/A
Total Premium: $2011 per year

[TypeRgurl]

Try calling Trilagy Brokers, or go to their website. Not sure what the address is but just look it up in yahoo or something. They gave me a pretty good price. My insurance would be the same price that I'm paying now with Pembridge. And right now I only have:

quarter million Liability
comprehensive

and at Trilagy they quoted me the same price with Echolen or something, that I'm paying now for

million Liability
comprehensive
sef44
collision


so give them a try. I work at Kingsway Insurance and we are supposed to insure high risk but my friend got insured here and he had 3 accidents and he just got cancelled. So it's pretty hard to get anything with a bad driving record

[300rwhp]

how about me i have had two driving with undo care and attentions plead them down or got off, but i also have had lots of tickets

to insure my car a 96 mustang gt
with 3 million third party liabilty
collision with 300 deductible
pl/pd
stereo and glass
a few other things

i am paying abouot 1500 a year for all that
oh and im 19 with no accidents

[Weapon_R]

What insurance company 300rwhp?

[TypeRgurl]

Originally posted by 300rwhp
how about me i have had two driving with undo care and attentions plead them down or got off, but i also have had lots of tickets

to insure my car a 96 mustang gt
with 3 million third party liabilty
collision with 300 deductible
pl/pd
stereo and glass
a few other things

i am paying abouot 1500 a year for all that
oh and im 19 with no accidents

Who are you insured with? 3 million liability??!! wtf?! the most you can get is 1 million liability!! You are probably insured under Primmum or TD. Or with the same company as your parents and they have been there for a long time with a good driving record too. There's no way you got 1500 a year on your own being 19 years of age.

[2000impreza]

i'm paying little bit over $5000 per year. no accidents, no tickets, no nothing. next year i'm going to switch insurance companies... i had no choice but to buy from them at the time.

[300rwhp]

on my own but i didnt mention that i insure my car a little west of you guys i am from calgary but i go to school at uvic i would definetly recommend some of you insure your cars with ICBC insurance company of british columbia.

For every year you drive without an accident your insurance goes down 5% if you have an accident in your first year it wont go up nearly as much as in alberta and did i mention that i have speeding tickets coming out my ass well icbc doesnt care

so if you want insurance get someone who lives in bc and use their address then drive out to bc get an inspection and get insurance. garranty youll save money. ICBC knows i live in alberta but becuase i go to school there they dont care .

[MistaBrent]

Originally posted by 300rwhp
on my own but i didnt mention that i insure my car a little west of you guys i am from calgary but i go to school at uvic i would definetly recommend some of you insure your cars with ICBC insurance company of british columbia.

For every year you drive without an accident your insurance goes down 5% if you have an accident in your first year it wont go up nearly as much as in alberta and did i mention that i have speeding tickets coming out my ass well icbc doesnt care

so if you want insurance get someone who lives in bc and use their address then drive out to bc get an inspection and get insurance. garranty youll save money. ICBC knows i live in alberta but becuase i go to school there they dont care .


my buddy couldnt afford insurance here, so he went to bc and got a quote full coverage on a 2002 sunfire for $1700 a year.

he didnt get it though, cause u need an adress in bc and if u are really living in alberta not bc your considered a bad bad man and get into twuble...


but damn is alberta expensive for insurance. I am $10,500 with no record.

[ecstasy_civic]

damn i pay 4200 a yr for everything and thats the cheapest i could find and thats with a 1200 deductible. my highest quote was 9200 for a 93 civic? wtf?

[RickDaTuner]

geeez man being a dumb ass on the road is reallt cathing up witm me not to many insurance comapny are willing to take me on

with two suspension in less one year i have aliong ass time to wait before i can afford my own insurance

[Stratus_Power]

i got a question... since you guys are talking about insuring in Alberta and BC.. welll i never got any quote from BC, but my quote from Alberta, state farm is about 3500/years for a car priced at about 20k. ( its cheaper than if im doing it through those quote i got from..knetix..something.. maybe cuz my whole family is insured by them for so many years)

well you guys were talking about its cheaper in BC and you need an Address, we have an apartment in BC thats currently rented out, can i use that Address to get a car insured?

[shadowz]

3300 Full coverage, still a lot for a 10 year old car IMO

[CRXguy]

'91 CRX Si - 1900/yr, no collision(now only 30/mth cuz it's parked:D)
'96 Civic LX - 1800/yr, no collision
'03 WRX - Don't know yet, but full coverage

I was basically paying $342.xx/mth for all 3 cars(before the WRX). Oh, forgot to mention that I'm "married", and my g/f is primary on all cars. I have 3 speeding tickets too.:( Good thing is all 3 will be off when I turn 25!

[max_boost]

I'm paying $4800/year PART TIME
Seriously, WTF!?!?!? My record is clean, no tickets in 4 years, no accident in 5 years

DAm it

[SilverRex]

FYI, I pay about 2400/yr for my wrx... my previous car which was a 2000 celica GT.. also around the same..