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warnerTA
05-11-2009, 01:35 PM
what kind of insurance are you guys runnin on your cars?? full coverage? liability? and also what do you pay every month and every six months?

i ask this because i feel i am gettin screwed on my insurance... :(

i only have liability and it is 1000 for 6 months:cry:!!! i am 16 years old... and have 2 speeding tickets:whistle:.. should it be this high??
PipesTA
05-11-2009, 01:37 PM
Sounds about right. Slow it down and it should go down eventually. It's also due to your age, you're high risk. Throw all that together with the vehicle you drive and you will have high premiums.
warnerTA
05-11-2009, 01:41 PM
it sucks.. haha. the speeding tickets were bull sh&*!! one was for 71 in a 65 and the other was 58 in a 55.. the insurance sucks!! i dont even have money for gas every month.., and i want full coverage.. but that wont be happening anytime soon haha. do insurance companys do free quotes online?
IronOutlaw
05-11-2009, 01:43 PM
I have liablility at 85 bucks a month. Im 20 with a 19 over speeding ticket.
PipesTA
05-11-2009, 01:44 PM
Some do. I believe Progressive and Geico do. Companies like Allstate, Farmers, State Farm you will have to talk to an agent. Also, keep in mind that your actual premium will differ a bit from what you're quoted online since those companies do not run motor vehicle reports and insurance scores before hand. It's probably best to talk to a live person to get accurate quotations.
warnerTA
05-11-2009, 01:47 PM
alright sweet. i am going to try to find a cheaper one.
BLK95TA
05-11-2009, 05:43 PM
Esurance. I pay $472 every 6 months for full ooverage on the T/A w/ $500 collision and $250 comp deductibles and liability for a 95 subaru legacy wagon.
Tarheel'Z'
05-11-2009, 09:58 PM
my best friend sells for allstate:cool::D,,lets just say he wrote me up a pretty nice policy.where most policys are 25k\50k mine is 100k\300k with no deductables and full coverage around 650 every 6 months for the Z and 04yukon together
warnerTA
05-11-2009, 09:59 PM
:( :( haha
Tarheel'Z'
05-11-2009, 10:11 PM
:( :( haha
im afraid its just a part of being young my man,,hell my insurance was high as hell to with my 84 Z when i was 16...oh yeah the tickets dont help:laugh:
to be honest you may not find anyone willing to offer you full coverage just because of
1-age
2-tickets
3-type of car
thats probably the first 3 things they check off:(

p.s. i wasnt 16 in 1984 just for the record..old but not that old
PipesTA
05-11-2009, 10:12 PM
100/300 is pretty common around here, although the state minimum is 20/40. What a joke that is.
PipesTA
05-11-2009, 10:16 PM
im afraid its just a part of being young my man,,hell my insurance was high as hell to with my 84 Z when i was 16...oh yeah the tickets dont help:laugh:
to be honest you may not find anyone willing to offer you full coverage just because of
1-age
2-tickets
3-type of car
thats probably the first 3 things they check off:(

Yep. I know in IL Allstate won't even touch that car without another car on the policy or a property policy. You might just have to bite the bullet there Warner. Keep that driving record clean. No accidents or tickets. Unfortunatly being a new driver doesn't help along with insuring your T/A. I'm not sure what your coverages are now, but I wouldn't cut your coverages down to try and save money. The worst that could happen is you could be under insured. Also, when shopping for insurance make sure that you compare the coverages you currently carry to the ones that are quoted to you. I used to work with Allstate and I still work in the insurance industry so if there's anything you need help with, let me know. :)
BLK95TA
05-11-2009, 10:22 PM
100/300 is pretty common around here, although the state minimum is 20/40. What a joke that is.

that's what i have on my policy

100k/300k liability as well as uninsured/underinsured and $50k property damage liability. i have $10k uninsured motorist property damage as well
Blubird
05-11-2009, 11:07 PM
i just have liability,i only drive it 1 or 2 days a week at the most,plus i cant really afford full coverage lol
97lt1camaro
05-12-2009, 07:03 AM
Full coverage, $290/month. CAD. 20 years old :(
boosted95z
05-12-2009, 10:00 AM
Full coverage. 100k/300k with a 500 collision and 250 comp road side assistance and rental reimbursement. I pay ~$60 a month for the Z and ~$130 a month for the Grand Prix. Tell me how that works.
BLK95TA
05-12-2009, 11:30 AM
Full coverage. 100k/300k with a 500 collision and 250 comp road side assistance and rental reimbursement. I pay ~$60 a month for the Z and ~$130 a month for the Grand Prix. Tell me how that works.

grand prix is a newer car?

my cars insurance is ~ 2/3 the T/A and 1/3 the wagon but the T/A has full and the wagon does not and the wagon is also a 1995. it's a subaru legacy. that's why its so cheap, lol
Fixxer99TA
05-12-2009, 11:42 AM
Every car/truck I have owned has had full coverage on it EXCEPT my first little beater, which was a 93 Toyota Tercel with 160k on it. So you can see why I wasnt too concerned about banging that one up.

People around here cant drive worth a damn, so theres really no way anything decently valueable leaves the driveway without full coverage. Its not so much you hitting things, as it is you getting hit by morons (when you are stopped, have a green light/right of way ect....)

But currently, the 350 is on the road full coverage and I am paying around the $160 a month mark... Not too bad for being 22, but my record is fairly clean. No actual speeding tickets ect... (I guess I just do it in the right places).

The car is a little steeper at around $200 a month (was slightly over 2k a year last year, and was even more before.... When I was 17-18 my 99 TA was like 3k a year... OUCH!). Since then, it has gone down quite a bit. The bright side? In a month I wont need insurance or plates anymore. Dealer plates FTW!
Camaro_94
05-12-2009, 01:01 PM
I have full coverage on my Trailblazer. I also had full coverage on my Formula too.

I paid about $900 every 6 months for my Formula and pay $950 for my trailblazer every 6 months. Thats with 2 accidents and me being 18.
boosted95z
05-13-2009, 11:31 PM
grand prix is a newer car?

my cars insurance is ~ 2/3 the T/A and 1/3 the wagon but the T/A has full and the wagon does not and the wagon is also a 1995. it's a subaru legacy. that's why its so cheap, lol

95 Z vs 98 GP GT :hmm: Still cheaper than it was on my parents' plan. I was paying $240/mo. I'll take it.
Counted Out
05-14-2009, 05:11 AM
When I bought my 93 (I was 18 at the time) I called to set up the insurance and asked about Full Coverage for shits and giggles.

Let's just say I didn't get it. I paid $3,200 for the car, they wanted $3,000 for 6 months of Full Coverage.
CamaroZGuy
05-15-2009, 11:34 AM
i was 19 when i got my Z and i was paying 2400 for 6 months full coverage, then just before coming to Germany i was paying some thing like 100 a month. and now in Germany im paying about 330 a month for 2 cars 2900 annually and thats with over 900 in discounts. only because the minimums hear are OUTRAGEOUS!
Bodily Injury 7,500,000 Euro,
Property Damage 1,000,000 Euro
Consequential Loss 50,000 Euro