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Insurance [Merged 10-6]

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$1541/Year im a step 14,but i only have basic coverage.No Collision.No Fire/Theft..Thats pretty cheap considering im 18 and its my first car though.
 
I only have to pay about $450/year full coverage 95 tsi awd. That is with $500 deductables.
 
how on earth are you peoples insurance so low , mine is frigin 3,200 bucks! :(
 
Originally posted by NEO92-TSI
heya insurance guys i need to insure my 92 but its hardly driven because its a second car and i have an off road title right now, how should i insure it to make it as cheap as possible i have state farm and how can i get it changed to a on road title?


sorry i know wayyy off topic but since the insurance guys are here i might as well ask

Sorry it took so long. If yer main car is for commuting, list the second car as a pleasure vehicle. I would only insure it for liability, and questionably for UIM (under insured motorist covers yer hospital expenses if you get hurt and the other uninsured motorist is at fault...) With hagerty, we can insure any 20+ YO car that is used for show (very very cheap).
 
Depite the "why would your son want a car like that" comment from the insurance agent, I pay $3600 a year full coverage, in NJ, in my moms name. state farm quoted (me) a 17 year old w/ good grades in my name (on my moms policy) for $6000 - $7000,
for my own policy, the agent just laughed
:dsm: :thumb:
 
OK. I am very close to buying a '92 mistubishi eclipse gsx, abs, 127k mi.
I was wondering how much everyone else was paying for insurance on similar vehicles. I know that there are many variables to consider for individual insurance, but what are some of the different premiums that you guys are payin for your cars.
 
I have USAA for my car insurance and when I replace the 93 Honda Civic with the 90 Laser RS Turbo as the primary car, the rate went DOWN $11.20 a month. I'm not complaining but I always figured the rates would be higher for a turbo car than a econo box.
 
OK so 3 weeks after I got my talon, two little punks decide they are gonna dent in every panel on my car and stand on the back bumper... ( the kicker is that I was home at the time, heard it, went outside w/ my german shep and gun, but didnt see anyone) Anyway, turns out that the kids confessed for the crime while in questioning for vandalizing a church... progressive came out to the house and they are gonna total the vehicle... NOW If anyone has had experience with this... please help...
Once they total the vehicle I have heard the I have the option to purchase the vehicle back at a substantially reduced rate... The vehicle drives great other than being a FWD but I am happy for now... Whats the best course of action guys ? I figured that if I buy it back for $1500 I could use some of the other money for mods.... hmm free mods nice
 
Once they total the vehicle I have heard the I have the option to purchase the vehicle back at a substantially reduced rate...


^^ That is correct ^^

You will probably have the option at buying it back for about 600-1000 because if you explain to them the "centimenal value" of the car to you then you may get it for about 800. The way you go about it is basically when they goto total it ask them for the option to buy it back.

Boom, done.
 
heres my situation, insurance is becoming to expensive for me under my own car, as a 2nd driver. heres what i am proposing I do, any input is greatly appreciated.
my parents are divorced, my dad is re-married, and I live with both parents.
Currently as the talon is down, i am insured as a 2nd driver under my moms car, which is only 100 a month Canadian, what i want to do is insure the talon under my step moms name only, and still be able to drive it as i please, I see no problem with this as long as i can stay out of trouble, we all have perfect driving records...
anyone see anything that may hinder this plan, thanks.
 
You will see a problem when/if you get pulled over and your not on the insurance.

Can you do it? Yes Definately.
But just so you know in case of an accident if you wreck and its bad the person you wreck into can SUE your mother for basically anything/everything she owns if they know what they are doing. Because your an Uninsured Motorist.

I talked to my insurance company about this because my insurance is really high too and thats what she told me. (im friends with her so she wouldnt lie bro). :thumb:
 
but technically wont i be an insured motorist, who is just "borrowing" my step mothers car for the night or whatever.
 
Call your Insurance company and ask them if your covered to "occasionally" drive someone elses car. When I was with Geico they covered me if I "borrowed" anyones car. So just call your company and ask.
 
thanks stephen, i think i'll do that tomorrow moring, the same deal happened with my buddeh he was getting dirt cheap insurance on his civic, then he got some tickets and the insurance company told him your not an occassional your a primary give us 5600 bucks.
As it is right now i can drive my dads acura with coverage on my moms name, so hopefully the talon shouldnt be a problem.
 
Originally posted by xcelr8n
but technically wont i be an insured motorist, who is just "borrowing" my step mothers car for the night or whatever.
Face that technically you're committing fraud, which insurance companies don't abide. It's still up to you, it's still done, but your ass is out in the wind. 'Way out.
 
ok so i get my new premium in the mail today.. went up to 396 dollars a month.. WTF:mad: for a 92 n/t.. i'm really pissed off with this insurance lately i've had my car 2 years and every new premium it has gone up.. i originally paid 210 with 500 deductable and 100 theft.. now with 1000 deductable and 500 theft it is still 396.. i'm going to have to park my car.. i will pay for it within 1 year.. 2 years of driving not 1 ticket nor 1 claim and it still went up 100%.. this is a crock of shiat.. ne one else having insurance problems??
 
i'm 18, with a 91 laser turbo and i pay $97 a month, but it's because i have perfect grades. if it wasn't for that i would be paying $120....you are gettin RIPPED! get another insurance company...
 
Originally posted by HondaHunter2002
ok so i get my new premium in the mail today.. went up to 396 dollars a month.. WTF:mad: for a 92 n/t.. i'm really pissed off with this insurance lately i've had my car 2 years and every new premium it has gone up.. i originally paid 210 with 500 deductable and 100 theft.. now with 1000 deductable and 500 theft it is still 396.. i'm going to have to park my car.. i will pay for it within 1 year.. 2 years of driving not 1 ticket nor 1 claim and it still went up 100%.. this is a crock of shiat.. ne one else having insurance problems??

How old are you? Are you insured with your parents somehow? Maybe they had accidents?

$-Canadian? Still too much. Something's wrong. Sounds like a scam. Switch insurance companies.
 
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