Insurance, How much coverage? Options

[SpedToe169]

After my most recent ass raping by the insurance company I'm interested to see what level of coverage other 6GC owners carry. Thanks for your time.

[97sccelica]

im under my dad's policy and its about $1700 for a year listed as primary driver of my car.

[boosted_K2]

the celica was full coverage. unfortunatly the blue book value on the MR2 is under the full coverage price, so i have to settle for semi-coverage. but since its garaged winters im saving quite a bit of money.

[macavely]

i have full coverage under my moms insurance but i'm listed as the only drive.. so i pay way more then 2k a year i should use them to get my car fixed... ???

[GeEkBoY]

I am gonna piss some of you off, but since you asked, I am only paying $840 a year, Canadian. That is around $650 US and includes collision.

[Aus]

u guys are fuc**n lucky!!

my insurance is just over £2000 (Thats in UK pounds), not sure what that makes in dollors but u guys have got it cheap!

[Drocay]

I'm under my dads insurance but I'm under only driver for my car and I have to pay a little over $2000.

[CupCrazy38]

Insurance is the biggest scam. You pay them everymonth and nothing happens. Yet when something does happen, and you need their help they try to screw you over and get out the cheapest way they can.

Only have full coverage b/c I'm required to have it as long as I'm paying the car off from the bank.

$230/month for insurance under my parents policy with the car in my name. Full Coverage, $500 deductable, Uninsured Motorist (thank god I had it when I got hit)...

[NEVERSTOP]

insurance and me dont see eye to eye... I got this BS ticket when I was 16 and didnt think to contest it and I ended up having to go to some stupid driver improvement class so I wouldn't lose my DL.. newayz that put me on probation in which If I get a ticket within a year I lose my DL. that was 6 years ago and I finally just got off probation - every time I would get close to gettin off I would get another ticket lose my DL and have to start over.

Because of this I have to have sr22 insurance.... ouch!

at one time I was paying 390 a month for a liablity on a 89 honda prelude.

right now I pay 180 a month for storage on my celica and liablity on my blazer

but full coverage on my celica is usally 280 a month

its worth the peace of mind to pay but god does it suck

[SpedToe169]

Well, it sounds like we run the full range of prices. I have full coverage and it costs me $2400 a year. I'm seriously considering dropping it in favor of liability and buying a good alarm with an ignition kill instead.

For my feelings on insurance click here:

http://www.evilspeed.com/personal_blog.html

[afroman]

i am under my dads policy and i pay 1100 a year for full coverage.

[gjunon]

im under my policy and i pay a year for full coverage but that is with a 100$ deductable tehehehe

This post has been edited by gjunon: Dec 26, 2014 - 5:07 PM

[Nigel]

INSURANCE IS GAY.com

AUS you pay £2000 just to let the USA lads now thats nearly $4000!
Also over in UK you cant have more then 3 mods or you have to do specialist insurer, which then does cost loads. I once said I wanted a quote for putting on 17" alloy, alloy costed me £530, insurance same price.

My dad suddenly died when I was 18 and I had to have my own policy on a nissan primera which costed £2,400 and its a group 9. Second year £1,100. Now i'm 20 soon 21 (december 3) and I can get insurance on a celica GT.

But they have quoted me £850 for a 95year 6000miles a year GT! Is that right or have they gone wrong. My mate has a honda Prelude and hes 25 he pays £900 but hes had a write off. And my other mate is mad on cars and spent £15k on mods for a honda cilvic hes 20 and his insurance was £3k+!!!!!!! MAD MAD MAD

Dont you think when your driving your car everyone around you hasnt paid, maybe i'm just paranod.



This post has been edited by Nigel: Nov 13, 2003 - 4:06 PM

[LuDaChRiS]

only liability...not sure how much cause its under parents so i never see the bill...although i do agree that insurance is horrible. i liked the explanation Sped. i think another gay fact left out is that its against the law to be uninsured...you have to have that crap to drive a car...so getting done up the butt is the law.

[DoodieHead]

Hmmm. well, i have to pay $2718/year which is 226/month. This is just liability. I just revently got in wreck and didn't report just bc insurance wouldn't do anything but raise my insurance more. I'm considered high risk and car is in my name.

[SpedToe169]

I don't really have a problem with the law requiring liability insurance. I don't want to be screwed if some drunk hits me, and I dont think anybody would want to be. My problem is with the execution of the whole thing.....its just like Socialism. Great idea.....didn't ****in work. Give it up.

[Aus]

[Nigel]

And I bet that 3rd party.
Is it you own policy?
Whos that with?

ITs stuiped when you add up the car depreation, insurance, petrol its costs something stupid like 30p+ a mile.
One of my mate who work for one of the insurance places say you could just startup your own business as a insurer, it would cost nothing and just put your own car on it. But nothings that simple I think there a legistation that checks you out before you can start a insurance business first.
cheers

[Aus]

no - fully comp. It's a good thing aswell cuz as soon as i got the exhaust on it, some old lady reversed into me (My car was parked on a empty road - no other cars there but mine and hers!!).

its my mums policy - no way they would insure me with 1st driver!!!

[Aus]

oh yeah - i forgot to say. Tescos insurance.