Insurance [Merged 10-6]

[DSMJim]

My insurance company was more interested if I had a body kit and wing than if I had performance mods.

Me: "I have 400+hp is that gonna effect my insurance"
INS Comp: "Do you have a body kit or aftermarket wing"
Me: "No I have 400+ friggin HP and can smoke Corvette's like Marlboro's"
INS Comp: "Ok, but do you have a body kit?"

Oh well, cheap insurance for me.

 

[99gst_racer]

My insurance company was more interested if I had a body kit and wing than if I had performance mods.

Me: "I have 400+hp is that gonna effect my insurance"
INS Comp: "Do you have a body kit or aftermarket wing"
Me: "No I have 400+ friggin HP and can smoke Corvette's like Marlboro's"
INS Comp: "Ok, but do you have a body kit?"

Oh well, cheap insurance for me.

This is SO true. The morons didnt care that I had a 3" turbo back and had it lowered 2" from stock. They didnt ask about my Shep Racing tranny and ACT clutch. They cared about the Injen dress-up kit in my motor bay, my hood pins, and my 3 Autometer gauges. I cant stand ignorance.



Well, I drove over there today and the guy I spoke with on the phone refused to come outside. So he sends his 2 drones out there to look it over. One looked under the hood and knew what everything was. The other guy spent his time staring at my wheels wondering if they were 20's or 22's. :laugh: Well, they ended up taking about 60 pictures and asking two-dozen questions and then said they'll keep in touch. I brought a pic of a fully built 4G63 in a 1G just to show them the difference between my motor and a race motor. I'll call them next Tuesday if I dont here from them by then.

 

[disturbed]

Currently I have my car down on my insurance as me being the primary driver (im on my parents plan) im 16 and i have 1 ticket 40 in a 30 wich my insurance company didnt even record on my record and its not longer on my police record. What im trying to ask here is if i was to get my dad to put him down as the primary driver on my car to cut insurance cost am i going to be in deep shit if i get in a wreck? Are they going to be able to find out that im not the truly occasional driver? Has anyone ever had anything like this happen to them? Thanks for the input guys

 

[prompt]

If they are some lame insurance company they may drop you, but most will just transfer you back as the primary driver and give you a warning.

 

[ryu]

how much insurance do you pay anyways.... im 20 have a 91 awd dsm w/ only liability only and pay like 300 a freaking month!!! ... but every time i look at my car.....

 

[Thomas91169]

no you should be fine if your dad is primary on the car and you drive it. hell thats what our insurance told us to do(allstate), they had me on our 89 spirit and my dad on my tbird when we had that. now im on our neon, hes on the eclipse and my mom is on our tahoe. even if they ask "why were you driving your dads car?" your dad could just say he let him drive it for a little bit and everything would be fine.

and ryu thats insane, what did you do to get it that high. im 20 on a 97 gst spyder financed with full coverage and its 60 a month. i think you need a new agent.

 

[paranoidTSi]

You are fine the first violation, but on the second they won't cover you..they will usually inform you after the 1st time you get some sort of traffic violation.

 

[dustyb]

my insurance here in missouri is 225 a ####ing month for my 1998 GS and its not even turbo. i couldn't get insured under a turbo car, thats why i don't have one. (and why i'm doing my GS modification)

 

[jjsacidy]

how could it only be 60 a month for FULL coverage on a 2nd gen?

 

[Your_Dead]

60 bucks?!?!?!? what the hel.l im 20 and i pay 260 a month for my 99 gst full coverage with no tickets and no accidents.

 

[rdeterman]

im 18 2 tickets and 2 accidents (neither were my fault) and i pay 160 a month full coverage on a 98 GST

 

[paranoidTSi]

240...for two cars..Corolla as my "primary" driven vehicle, and the Talon AWD Turbo as the 2nd.

 

[disturbed]

Well mine is 120 a month for liability and uninsured motorist, I really am trying to get my dad to put down him as primary driver on my 99 rs because insurance full coverage on the new excursion is only 60 bucks a month for him and im forking out 120 when i could have full coverage for about the same kinda makes me sad, But what can i do?

 

[saw wave analog]

the way you get a rate that low ( $60/mo) if you are 20 is having everything in your parents name. im an agent and that rate is not possible for you on your own. surcharges for violations cannot be applied until the policy renews, and even then your company is not going to run an mvr on you every single year. the experience period for tickets and accidents is three years so since you are 16 i promise that violation will be showing up sooner or later, as there is no way its been 3 years since you got it. its fine to be listed on another vehicle in the household even if you are driving another one, with my company anyway. im 22 with 2 tickets and i pay 220/mo in a crappy indiana town with 250 comp 500 coll and 20/40/10. if i lived in nyc my rate would be twice this much, if i were in rural wyoming it would be a lot less. you cannot directly compare one policy to another because there are just too many variables involved, but i can say 60/month for full coverage in a higher rated than a gsx gst vert is b.s. unless its a policy in your parents name and you have a good student discount as well as a heap of other discounts and live in the middle of nowhere

 

[FireyIce01]

no you should be fine if your dad is primary on the car and you drive it. hell thats what our insurance told us to do(allstate), they had me on our 89 spirit and my dad on my tbird when we had that. now im on our neon, hes on the eclipse and my mom is on our tahoe. even if they ask "why were you driving your dads car?" your dad could just say he let him drive it for a little bit and everything would be fine.

and ryu thats insane, what did you do to get it that high. im 20 on a 97 gst spyder financed with full coverage and its 60 a month. i think you need a new agent.

No... your DAD has 60 a month on it... you're on the neon... when I had my 97 spyder GS-T my car payment was 310 a month and my insurance was 325... but I live on my own, and have my own insurance... at the time I was 20...

the way you get a rate that low ( $60/mo) if you are 20 is having everything in your parents name. im an agent and that rate is not possible for you on your own. surcharges for violations cannot be applied until the policy renews, and even then your company is not going to run an mvr on you every single year. the experience period for tickets and accidents is three years so since you are 16 i promise that violation will be showing up sooner or later, as there is no way its been 3 years since you got it. its fine to be listed on another vehicle in the household even if you are driving another one, with my company anyway. im 22 with 2 tickets and i pay 220/mo in a crappy indiana town with 250 comp 500 coll and 20/40/10. if i lived in nyc my rate would be twice this much, if i were in rural wyoming it would be a lot less. you cannot directly compare one policy to another because there are just too many variables involved, but i can say 60/month for full coverage in a higher rated than a gsx gst vert is b.s. unless its a policy in your parents name and you have a good student discount as well as a heap of other discounts and live in the middle of nowhere

For the most part I agree with you, except one thing you forgot to take into consideration. Traffic School. The violation will still be on record for 3 years, but it won't be reported to your insurance company... I'm assuming that's why he said it's not on his record anymore, which is wrong, but if he did take traffic school, then it wouldn't be reported to his insurance...

 

[psychlow]

For the most part I agree with you, except one thing you forgot to take into consideration. Traffic School. The violation will still be on record for 3 years, but it won't be reported to your insurance company... I'm assuming that's why he said it's not on his record anymore, which is wrong, but if he did take traffic school, then it wouldn't be reported to his insurance...

This isn't true. It's a very common misconception.

99% of the time, it'll still report to the MVR. You won't be charged points against your license (ie, you won't get your license suspended,) but you will be charged for the violation for insurance purposes when the company orders the MVR.

If you ask me how I know, I'll respond that I've probably had to tell close to 40,000 people that they were lied to when they were told it didn't affect their insurance after we jacked their rate at renewal.

 

[saw wave analog]

yep. the only way a violation isnt going to raise your rate is if it is thrown out of court entirely, as though it never existed. traffic school usually just means the tickets points are waived for dmv purposes, meaning you wont have your license suspended over it, but if your ins co finds out you are going to still be surcharged. from your companies perspective a ticket equals a statistically proven higher risk, the fact that you went to driving school does not change the fact that you are more likely to speed than someone with no tickets. more likely to speed=more likely to cost your ins co money=you pay more into the pool.

 

[FireyIce01]

yep. the only way a violation isnt going to raise your rate is if it is thrown out of court entirely, as though it never existed. traffic school usually just means the tickets points are waived for dmv purposes, meaning you wont have your license suspended over it, but if your ins co finds out you are going to still be surcharged. from your companies perspective a ticket equals a statistically proven higher risk, the fact that you went to driving school does not change the fact that you are more likely to speed than someone with no tickets. more likely to speed=more likely to cost your ins co money=you pay more into the pool.

Well than that's odd, because when I get my renewals they send me a copy of my record as well, which shows what accidents/tickets I have on my record, and the ones I've taken traffic school for aren't on there... at this point they aren't on my record anymore, so it's a moot point, but at the time they were there and my rates didn't change... *shrugs* maybe that's just a california thing... we're also only allowed 1 traffic school every 18 months around here...

 

[nutshot]

In this state, they can assign drivers to cars. But, as stated above, your first violation will garner you a written statement to the effect that you cannot drive the car anymore, or have to be rated on it.

Guys, you cannot compare rates with eachother. Sorry. If you think you are paying too much, get quotes from several companies for yourself. Joe Bob may be paying less than I am, but what is his credit score, where does he live, how many cars are in his household, does he own or rent, what's his birthday?

 

[dustyb]

fyi lawyers are great pieces of equipment if you need to get a ticket removed. its very pricy, sometimes in excess of 300 bones, but it pays off in the long run. if i would have not payed off my third speeding ticket, then i would have been down shit creek w/o a paddle. a lawyer is your best friend when it comes to speeding tickets......

 

[Stealth_Racing]

why don't yall come and live here , I pay 70 a month liability , and non- collision dammage( fire, theft , vandalism ) for My talon , and My tercel together , seems like you guys are getting ripped of on insurance prices , oh and i'm 18 , had about 3 tickets , no accidents

 

[dustyb]

in the United States its required by law in most states to carry full coverage insurance if you have a loan on your car. also where i live i wouldn't be caught w/o full coverage insurance because of all the asshole/idiot drivers and all the tweakers that want to break into your car and steal crap for their next hit...

 

[nutshot]

in the United States its required by law in most states to carry full coverage insurance if you have a loan on your car. also where i live i wouldn't be caught w/o full coverage insurance because of all the asshole/idiot drivers and all the tweakers that want to break into your car and steal crap for their next hit...

In Washington, Idaho and Oregon, there is no such law. But, the lendors will require it.

 

[pr0]

While we're on this subject, im paying 1700 CAD per year. Is this good?

Its under my dad's name, im not even listed as a driver of the car and I drive it all the time. Never had any problems, but then again, I never got into any crashes and never speed.

 

[orangedsm]

I used to do this when I lived at home, kept insurance rates low. I never had an accident or anything, so I never had to deal with the insurance, we had Farmers, and they suggested I do it that way. Saved about $150 a month on insurance.