View Full Version : Insurance

03-22-2005, 09:15 PM
sorry for bringing up insurance again.

but i was getting ready to try and purchase a 2001 WS6 but before i go to get approved for a loan i wanted to check out insurance. I am 19 and figure i will be raped with 250-300 a month and i could handle alright along with a 300-350 dollar loan payment. I've gotten a few quotes today and was thrown off by the many 5000+ a year quotes im getting. Not to mention i just got quoted from geico and it said 4800 which i thought was for a year, clicked further and that was for 6 months!!, whats going on here, i have a clean record, no tickets, no accidents, license since 16, ive owned 3 cars and one is a H/C/I 74' dodge dart sport (pay 100 a month full coverage)

Never did i think 5000+ a year or even 4800+ every 6 months from geico!!

Is there a trick to doing this? I see so many 16,17,18 years olds on here that are paying for 00'-02's and have insurance obviously. How are they doing it?

btw- even under my parents name its 3900+ a year and they have no accidents/tickets....

03-22-2005, 09:23 PM
19 + fast car = anal raping

03-22-2005, 09:51 PM
got at 3800 a year, thats a little better.

but i dont know if i should trust esurance, anybody use them before?

03-22-2005, 10:31 PM
Try local insurance, not internet, gieko and progressive both rated me at like 6 grand a year, where with my local one, I'm paying 400 dollars a year...

03-23-2005, 11:50 PM
put the car in your dad/moms name,have them put the insurance under their name,then just add you as a driver.the rates will drop substantially.if the insurance company says you must be rated to one of their cars to qualify,or a car of your own then buy some cheapass piece of crap,and then have that insured under your name.thats what i did when i was "official" car was a 1987 hyundai which i think i paid $200 ins. a month.but my daily driver was actually a brand new acura.(my ricer days)

03-24-2005, 12:04 AM
i have a few friends that are younger that just got their cars, they went with farmers. apparently they arent as rough with the raping.

03-24-2005, 12:38 AM
yea just got a quote online (so very rough estimate) from statefarm and its about 320 a month. i will call them tomorrow and see what im looking at.

my cousin bought a vette last year (at 19) and used them for insurance and he said he paid 230 a month full coverage, he turned 20 this year and he said it droped a little.

03-24-2005, 01:01 AM
im 21 and have an 02 WS-6 under my parents name and for my mom who has several speeding tickets and accidents it is only 125 a month for full coverage. That is through farmers by the way. Oh yeah i have no tickets or Traffic accidents and they wanted to rape me with a 340 a month bill:flipbird:. Apparently they have never driven with my mom before.

03-24-2005, 01:36 AM
Im 20 and had my 02SS when I was 19 I pay 135 a month for full coverage through local insurance. I had to get a seperate policy apart from my parents and have my dad listed as the main driver on my car and me just as a driver.

03-24-2005, 02:58 PM
Try local insurance, not internet, gieko and progressive both rated me at like 6 grand a year, where with my local one, I'm paying 400 dollars a year...

youve got one heck of a DVD collection!!!!!!!

03-24-2005, 03:21 PM
youve got one heck of a DVD collection!!!!!!!

:offtopic: but thanks :) and they are all LEGAL DVD's too, not a single copy.

03-24-2005, 03:45 PM
Like some others have said here, the best thing you can do is list your dad or mom as the main driver of the f-body, and yourself as the main driver of your mom/dad's vehicle or as an ocassional driver.

03-24-2005, 05:53 PM
I just turned 21, my 1999 Trans Am cost me 240/month full coverage through State Farm and my 1994 Trans Am cost me 220/month full coverage.