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So i'm 18, driving an 03 civic EX coupe, and have 2 speeding tickets...
i know my insurance should be pretty high, but my mom showed me the insurance the other day and it was almost $4k a year...

lately i've been looking into putting in a downpayment on an 05 sti, and my friend told me i'd probably be paying basically the same as I do right now because my car being a coupe automatically makes insurance classify it as a "sports car"(lol) and the fact that more kids drive these hondas and are more careless(not gonna deny that.. when i first got this thing I did a lot of really stupid things, but got lucky most of the time)

 
Rep Power: 292

Yes, a lot of factors weigh into rating your insurance

Main factors are:
Age
Experience driving (in years)
Record
Car
Miles driven annually
Year of car
Body style of car (2 door/4 doors)
Make of car
Types of hazards exposed to

Liability coverage
Property damage coverage
Collision deductible
Comprehensive deductible

These are just some of the ratings used, there are more

I am a licensed CA Insurance Agent

 
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cool, thanks man.. just wondering what do you think about how much my insurance would go up if I were to get an STi sedan from an 03 EX coupe?
I know there's no way you can tell me for sure, just roughly

 
Rep Power: 285

It would probably double.The Sti is a much more powerful, newer, more valuable car. The minimal amount you save by switching to a sedan would be negated by the switching to a car like a Sti. Honestly, for an 18 year old a 03 ex isn't a bad car. If you get into an accident in the Sti and you can't pay it off you'd be paying a huge premium on your insurance for years, its pretty easy to pay off the insurance on a Honda.


If your serious about this, call an insurance broker and get a rate quote.

 
Rep Power: 292

With your 2 tickets, if they are still active,
it would probably go up to about 6k a year, minimum

so about 500 bucks a month...


[DELETED]

 
Rep Power: 285

^Correct me if I'm wrong, but if your in an major at fault accident and the insurance company investigation finds that your not the primary driver of the STI, your insurance would be void.

 
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haha thanks.. currently we have a rav4 that's my parents', and my civic. both are under my moms name, with me as an occasional driver... would it basically be like that or would I have to put myself as the main driver on the rav4 with my mom as an occasional and other way around on the 2nd car? or would that end up being the same thing?
sorry if that was kinda confusing, lol. appreciate it

oh, and i've also been in a not at fault accident where a lady passed me on the right while i was stopped and clipped me... insurance still went up, go figure

 
Rep Power: 292

I'm not going into detail about it, that's just a general theory of how it works, and you didnt hear it from me, in fact, im going to delete any record that i said that, as I do not encourage fraud

And mindbomber, thats why i said "Dont get into an accident" XD

 
Rep Power: 285

Haha, okay, I saw nothing ..


You don't really expect an 18 year old with an at fault accident, a couple speeding tickets, a few close calls and a Sti to not get in an accident do you?

 
Rep Power: 292

Well, considering the STI would be HIS car, I would ASSUME that he would be smart about it.
Then again, i could be dead wrong

I'm 20 and haven't had an accident, or infraction tickets yet. Besides a cell phone and parking ticket
-knocks on wood-

 
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Just get married, and then you can drive a coupe for the insurance price of a sedan.



....wait..no..that's not a good tradeoff

 
Rep Power: 292

LOL...
Thats until your soon-to-be-ex-wife drives off with your coupe

 
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haha, priceless. You lucky bastard, get a job.

 
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Welcome to California... I'm in NJ so not like insurance is any better, though I'm paying 1600 a year, full coverage, 500 deductible (across the board), clean record and im 26... i left out the fact of a F.O.P. Shield as well ha

 
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6000 a year? pssh thats cheap.

geico wanted 14k (yes, 14 with three zeros after) a few years ago for my bike.

 
Rep Power: 292

HAHAHAHA, R1 insurance
10k for collision......

Thats fking insane

 
Rep Power: 353

so i win...

thats when i had 3 tickets + 1 at fault collision (totaled my car)

 
Rep Power: 353

oh how it is to be young, stupid, naive, and full of testosterone.....

i seriously wish i could travel back in time and give a good beatdown on my younger self.


i have a feeling this kid is gonna get into a lot more trouble with the STI

 
Rep Power: 812

how much is the bike even worth?

 
Rep Power: 285

Most of my friends insure their bikes by the day, the least expensive an inexperienced driver can insure a bike here is $5500 annually.

 
Rep Power: 292

I just looked up the MSRP for a 2010 R1, its about 13k
...
LOL

 
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6500 at that time... i think its more of a liability for others that geico is concerned...lol

 
Rep Power: 812

what in case you ding someones bumper? LOL

 
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When I read it I was like damn mommy buy me some.







And i thought i had a hard time swollowing 1850.00 for the civic and the 4x4 Nismo... Good luck with that,

 
Rep Power: 268

im gonna have to stick to my thoughts of an 18 year old does not need an sti. you got 2 speeding tickets with a civic wtf you think is gonna happen with a turbo added to the mix?? As far as insurance 14k for an r1?? Did you do a hit in run at some point?? My 01 civ and my 03 cbr combined is just under a grand with AAA . i do have a perfect driving record though.

 
Rep Power: 353

at that time (back in the day), i had 3 speeding tickets (from my civic, not R1...ironic huh) + 1 at fault accident.


now, my full coverage for bike+car from AAA is just a shy under 4k.