Insurance [Merged 10-6]

[90GSX16g'd]

I pay $365 on my 1990 GSX every 6 months and thats under my dads name and i have 1 ticket... i'm 16 and haven't had my license very long

 

[girlieracr4g63]

$536 every 6 months for the talon, eclipse and the expedition.

 

[ZenkaiRacerDsM]

Anyone know of any insurance companies that dont require a down payment?

 

[2fast2furious]

Usually those companies run ads and coupons, but I think the majority of "quality" companies will require you to put something down. It's usually based on your credit as most people who have good credit will likely pay there bill instead of those with poor credit who might just get the id card and stop paying on the policy.

 

[93talonkid]

im 16 i pay 117 a month and thats about 1400 a year..

 

[ETalon95]

Do you have your license and what cmpany do you have?

 

[psychlow]

Unfotunately, money binds coverage for most insurance companies. Without a payment, it's unlikely you can get a policy, at least from a major insurer.

 

[Rogue9]

I work for an insurance company and you pay money down if you go through a broker. That’s their fee. Certain companies like Progressive, Gieko or USAA (military) were you sign up via the phone or online wont change you a down payment (broker fee) if you have a clean record. If your record is crap than you are looking at going through a broker. Just dont let them get you for more than 10% of your total policy. Be forward and find out how much of your down goes towards your premium and how much goes in the brokers pocket.

 

[Denji]

170 per month, umm 2 tickets. full coverage..everything.. haha that is 2040 a year

 

[mike markota]

200/month

91 AWD TSI....17 years old no tickets

I live in hte middle of nowhere. EXPENSIVE!!!!

 

[zachakagoat]

80$ every six months for liability 95 na eclipse and 97 eclipse gst. 17/m/oklahoma under my parents plan

good student discount, no tickets

my aunt owns the insurance company too i know the loop holes

 

[mike markota]

120$ a year for TWO 2gs??!? Goddamn!!

I'd be happy paying that permonth with my 91 AWD!!!!

Hook me up bro

 

[kyledykstra]

I've got Progressive, and I pay $130/mo for full on a '93 TSi, and liability on a '88 Crown Victoria.

(22, terrible record)

 

[chuckdog_5]

I work for an insurance company and you pay money down if you go through a broker. That’s their fee. Certain companies like Progressive, Gieko or USAA (military) were you sign up via the phone or online wont change you a down payment (broker fee) if you have a clean record. If your record is crap than you are looking at going through a broker. Just dont let them get you for more than 10% of your total policy. Be forward and find out how much of your down goes towards your premium and how much goes in the brokers pocket.

i thoguht it was for the first and last months payment, like incase you decide not to pay, they have a way of gettin their money, it just seemed that way with mine (state farm)

 

[ZenkaiRacerDsM]

Hmm... If I go to.. lets say an allstate building. And talk to someone at the office there. Am I going through a broker?

 

[Rogue9]

i thoguht it was for the first and last months payment, like incase you decide not to pay, they have a way of gettin their money, it just seemed that way with mine (state farm)

State Farm is a little different but not by much.. Your insurance broker is not getting paid by the company. Depending on the compny there are getting paid by the broker fee / percent of the policy. State Farm the agent is getting a percentage of the policy directly from your payment to state farm. However, companies like Eastwood or Cheap Insurance. The broker gets his money directly from your down payment. They dont get any money from the company since its only a middle man for some other main insurance company. They take your down and keep most of it and send a little of it to your insurance company. One example: Your down payment is $400.00 on a $2800.00/year policy. Broker keeps $300 of that down and only send $100 to the company.. Your think you paid $400 towards you policy but only really $100.00.. Gotta watch that.. But you gotta expect the broker to get paid too. Companies like Allstate and State Farm just hide it better.

The company I work for sells many policys for Progressive and other companies.. We are a broker/ underwritter company.. Sometimes its weird how the companies work and get their money.

 

[Evil1gDsm]

Anyone know of any insurance companies that dont require a down payment?

AllState maybe..that's who i use..never had any problems with them..dan

 

[psychlow]

I work for an insurance company and you pay money down if you go through a broker. That’s their fee. Certain companies like Progressive, Gieko or USAA (military) were you sign up via the phone or online wont change you a down payment (broker fee) if you have a clean record. If your record is crap than you are looking at going through a broker. Just dont let them get you for more than 10% of your total policy. Be forward and find out how much of your down goes towards your premium and how much goes in the brokers pocket.

I can tell you with 100% certainty that Progressive does not have any bill plans in CA with 0% down.

 

[phastalon]

I went through Geico and my record wasn't the best (3 wrecks and 0 tickets) and I didn't have to put a down payment. I pay during the first 4 months then I don't have to pay during the last 2 months, then it starts all over. I personally love Geico and plan to stay with them for a long time. I didn't like Progressive at all when I had them.

 

[Flash]

Ok, so someone hit me in the right quarter panel in the parking lot. And the paint is cracking, and the dent is going to be pulled. I was wondering if I could have all the dents in my car fixed and my car repainted a totally different color, if I pay my deductible. But would the insurance pay the rest? There's already a lot of dings from idiots that open their car doors and hit it. I was just wondering if the insurance would pay to get my car fixed of all dents and totally repainted it, if I pay my deductible.
I can always say that the paint is 7 years old and you'll always be able to tell.
I'm asking all you, so I know what to expect when I talk to my insurance guy.
BTW, another reason is. I was planning on repainting my front and rear bumper, as they need it, so with the cost to fix the dent and scratches on my quarter panel, plus repainting my front and rear bumper, it would about cost that of my deductible. ($1,000)
Help please!

 

[psychlow]

If someone hit YOU, you need to report it to THEIR insurance company. You should not have to pay any deductible.

If you can swing it and they ask you to get an estimate, take it somewhere you know will estimate high. Then you can get the check for repairs, and they may just hand you a check for the amount of the estimate. If you want, you can just spend the money painting it yourself, or you can take it to a shop that'd do the whole car for the money you got.

Just remember, you get what you pay for in most cases when it comes to body/paint work. If you go to a cheap place, expect cheap work.

 

[99gst_racer]

OK, so these homos sent me a letter back in September saying that they recently discovered information that lead them to believe that my car "is not legal for the street and it is a race car." The letter stated that my coverage would end as of January. I called and argued the letter and they said "come on down so we can take pictures and you can show us you car is legal". I drove down there and, they took about 80 pics, and said we'll let you know. 2 months go by and they never call. So I called them back yesterday and finally spoke with 'the guy in charge of making the decision'. He said "If I remember correctly, you came down here and you refused us to take pictures of it." I talked with him for over an hour and every minute, I wished I could have climbed through the phone and strangled the $hit out of him. They 'lost' all of the pictures and then claimed they were never taken. Here's the list they gave me, of the things that qualify my car as a 'race only' car:

1. K&N filter
2. toggle switch (even though they know the switches control neon lights only)
3. Hood pins
4. Tenzo R seats
5. Lowering springs

They didnt care about anything else. These guys are not car smart one bit. My mom and girlfriend know more about cars than them and it sucks being 'labeled' and cancelled by retards like this. Ohh well, if they dont want my business, then I'll give my money to someone else. :end rant:

Has anyone else had problems with Progressive like this? Please feel free to comment and discuss.....

 

[DSMTurboEclipse]

Some people in this world make no sense, sorry about your luck.

 

[L2RTSiAWD]

Man I'm glad I switched insurance.

 

[Rogue9]

Take it down to them again to take pics.

Then take pics of them taking pics...