insurance cost
I Wanna Die Like God on the Cover of Time!
iTrader: (1)
Joined: Mar 2003
Posts: 914
Likes: 0
From: Harrrisburg, PA
Rep Power: 0 
I live in PA and go with Erie. I pay right now close to $3,000 a year thats with 16 speeding tickets, no accidents and 2 cars! but if i get rid of the one car it ill still be 2,500 or so. also im 21, the good thing no accidents, 1 wreckless driving charge, my insurance company is real good too me considering 1 time i got pulled over 3 times in 2 days!!!
Thread Starter
Super Member
Joined: Oct 2004
Posts: 666
Likes: 0
From: Plano, TX
Rep Power: 0 
Originally Posted by k2001civicboy
age: 16
male
no wrecks
liability insurance only= $77.80 per month
male
no wrecks
liability insurance only= $77.80 per month
bubble party!!!
Joined: Sep 2004
Posts: 1,014
Likes: 0
From: cashville, Tn
Rep Power: 0
Originally Posted by lkm
you have to be on the insurance also. if you are, wtf company are you using and where do u live?
I am on my insurance
I am at the top
and my mom and step dad are on the bottom, even though I would never let them drive my car.
Just look for the Civic that was attacked by shopping carts
iTrader: (-1)
Joined: Nov 2004
Posts: 65
Likes: 0
From: Seaford, Delaware
Rep Power: 0 I'm 20 and have State Farm. I pay 1600 every six months. that's with a clean record. This is robbery. 
Last edited by DEcivic01; Nov 20, 2004 at 12:02 AM. Reason: I'm stupid
Banned
Joined: Apr 2004
Posts: 403
Likes: 0
From: Ohio
Rep Power: 0 for a 97 civic coupe ex my insurance was 235 a month i am 20 so i totaled it that raised my insurance 60$ a month 295$ a month now if i were to still have the civic but i got a VR-4 and that lowered my insuranec 20$ so i pay 275 a month
Ms. Moderator
iTrader: (2)
Joined: Dec 2001
Posts: 5,748
Likes: 0
From: Freehold, New Jersey, US
Rep Power: 357 
Originally Posted by RiceRocketeer
I pay 1200 every 6 months. Clean Record. USAA
I have USAA and I pay $1090 for the year! We have 5 cars though and it's my parent's policy. If I went to my own they said it would be 1150. What's up with you policy dude?
Registered!!
Joined: Jul 2003
Posts: 246
Likes: 0
From: Texas
Rep Power: 0 ready to $hit i am 21 i have 500 comp. & col. and i pay 420$ a month because when i just got my car i went like 90 every were and did not think of the long term cost but 2 1/2 years latter i am paying for it, but the tickets should start falling of my record soon and my insurance should go down.
Registered!!
Joined: Aug 2003
Posts: 7
Likes: 0
From: Vancouver, Wa
Rep Power: 0 Sex/Age: Male / 22
Car: 2004 Civic EX 4 door
Ticket(s) (Still on my record): Wreckless Driving (SR-22), 1 Speeding
Accident(s): none
Claim: 1
Coverage: Full 500 Comprehensive/Collision
Cost(mon/year): 260 / 1560
Discount(s): Safe Driver Discount (god i get a laugh everytime i read this)
Company - Location: AIG , Vancouver, Washington
it just went up from 230....cause i just made a claim
Car: 2004 Civic EX 4 door
Ticket(s) (Still on my record): Wreckless Driving (SR-22), 1 Speeding
Accident(s): none
Claim: 1
Coverage: Full 500 Comprehensive/Collision
Cost(mon/year): 260 / 1560
Discount(s): Safe Driver Discount (god i get a laugh everytime i read this)
Company - Location: AIG , Vancouver, Washington
it just went up from 230....cause i just made a claim
Broken Arm, How Am I Suppost To Shift
Hey! Look At Me!! I'm a Supporting Member!!
Joined: Sep 2004
Posts: 546
Likes: 0
From: Las Vegas. NV
Rep Power: 0 350 A MONTH........BEAT THAT!!!!!!!!
fu@king crappy Las vegas (highest insurance rates in the country)
o yea..
23
2 accsedents.
1 claim.
fu@king crappy Las vegas (highest insurance rates in the country)
o yea..
23
2 accsedents.
1 claim.
Registered!!
Joined: Jul 2003
Posts: 246
Likes: 0
From: Texas
Rep Power: 0
Originally Posted by Down_
350 A MONTH........BEAT THAT!!!!!!!!
fu@king crappy Las vegas (highest insurance rates in the country)
o yea..
23
2 accsedents.
1 claim.
fu@king crappy Las vegas (highest insurance rates in the country)
o yea..
23
2 accsedents.
1 claim.
Joined: Oct 2001
Posts: 560
Likes: 0
From: OKC, Oklahoma, US
Rep Power: 0 
I'm paying about $250 a month with Allstate for my 01 Civic (including covering all of the mods at full value, not replacement value), my truck, the Miata, and the 95 Civic. Full coverage on all, $500 deductible. Clean record, all the usual multi-policy, defensive driver, and good student discounts.
Something said in this thread bothers me: not at fault accidents. It does depend on the state you live in, but I know that Oklahoma and Texas both do this: if you are determined to be not at fault by the police, then your insurance company cannot raise your rates even $.01. I had this problem with Farmers (***********), they raised my rates for a not at fault accident that they paid out no money for, I took them to the state insurance commission and sued them, they refunded me the entire balance I had paid due to the increase and lowered my rates back to what they were before the accident. This is state law and can vary from state to state, so check with someone where you live to see if you can be charged for a not at fault accident.
Also another thing to look at with insurance: Geico, State Farm, Progressive, and many other companies will instantly drop you if you have a claim involving a car with performance modifications. Geico and State Farm have both dropped and denied coverages for cars with nothing more than a cold air intake and exhaust, Progressive will drop any car with nitrous, turbo, etc, but they don't mind minor performance modifications. So if you have one of these companies and get into a wreck, they will try to say that they are not financially responsible, the performance modifications violate their policies, etc and will not pay anything out. This is illegal unless they told you or it states in writing (most do not) that performance modifications will void the coverages, but you will still be stuck holding the liability costs for the wreck until you go back and sue your company. I recently dropped Geico because of this, and anyone else that has any modifications and is insured with Geico I urge you to drop them instantly.
Some companies don't mind, in fact, Allstate has agreed to cover my turbo kit, wheels, interior, stereo, suspension, and even brake pads (race pads) for a small increase in my premium, I think it was around $26/6 months for an additional $15000 in coverages. They just want the agent to see the car, you to get an appraisal, and to have all receipts just so they can verify the true worth of the modifications and that they are installed on the car. They won't drop you for performance modifications, and I have never heard of them doing so. In fact domestic car guys, mostly Corvette and Mustang guys, love Allstate because they will cover modifications of any kind as long as the insurance company knows about them.
Just some thoughts for you to all think about, because insurance can save your butt if you cause a wreck, but if you go with the wrong company, you could be screwed for a very long time.
Something said in this thread bothers me: not at fault accidents. It does depend on the state you live in, but I know that Oklahoma and Texas both do this: if you are determined to be not at fault by the police, then your insurance company cannot raise your rates even $.01. I had this problem with Farmers (***********), they raised my rates for a not at fault accident that they paid out no money for, I took them to the state insurance commission and sued them, they refunded me the entire balance I had paid due to the increase and lowered my rates back to what they were before the accident. This is state law and can vary from state to state, so check with someone where you live to see if you can be charged for a not at fault accident.
Also another thing to look at with insurance: Geico, State Farm, Progressive, and many other companies will instantly drop you if you have a claim involving a car with performance modifications. Geico and State Farm have both dropped and denied coverages for cars with nothing more than a cold air intake and exhaust, Progressive will drop any car with nitrous, turbo, etc, but they don't mind minor performance modifications. So if you have one of these companies and get into a wreck, they will try to say that they are not financially responsible, the performance modifications violate their policies, etc and will not pay anything out. This is illegal unless they told you or it states in writing (most do not) that performance modifications will void the coverages, but you will still be stuck holding the liability costs for the wreck until you go back and sue your company. I recently dropped Geico because of this, and anyone else that has any modifications and is insured with Geico I urge you to drop them instantly.
Some companies don't mind, in fact, Allstate has agreed to cover my turbo kit, wheels, interior, stereo, suspension, and even brake pads (race pads) for a small increase in my premium, I think it was around $26/6 months for an additional $15000 in coverages. They just want the agent to see the car, you to get an appraisal, and to have all receipts just so they can verify the true worth of the modifications and that they are installed on the car. They won't drop you for performance modifications, and I have never heard of them doing so. In fact domestic car guys, mostly Corvette and Mustang guys, love Allstate because they will cover modifications of any kind as long as the insurance company knows about them.
Just some thoughts for you to all think about, because insurance can save your butt if you cause a wreck, but if you go with the wrong company, you could be screwed for a very long time.
I pay about $2400 a year for full coverage $250k/$500k/$100k. One car on my plan,
2 speeding tickets. 22 yrs old. But I also have $5,000 in aftermarket equip coverage. $500 deductable.
Live in the valley in California.
My car is paid off so all i have is the insurance payment!!!
2 speeding tickets. 22 yrs old. But I also have $5,000 in aftermarket equip coverage. $500 deductable.
Live in the valley in California.
My car is paid off so all i have is the insurance payment!!!
I use a smaller company called
western United Ins. and they said they would cover all my bolt-ons, my rims, and exhast...but they made me write and sign a letter saying that I didn't use my car for racing. They still would've covered everything but it would have cost like $100 more per month.
western United Ins. and they said they would cover all my bolt-ons, my rims, and exhast...but they made me write and sign a letter saying that I didn't use my car for racing. They still would've covered everything but it would have cost like $100 more per month.
Thread
Thread Starter
Honda Civic Forum
Replies
Last Post
solarpunk70
Mechanical Problems/Vehicle Issues and Fix-it Forum
6
Apr 12, 2016 11:43 AM
Touge
Canada East
0
Sep 23, 2015 11:19 PM
curaze
Mechanical Problems/Vehicle Issues and Fix-it Forum
3
Sep 22, 2015 08:27 AM
