Insurance Costs
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Insurance Costs
Wasup everyone.
Here's the deal. I'm 20, and I just got into an accident last Janurary. My insurance premium has raised to a psychotic level, and I can't afford to pay for ****. I was previously with Ing Direct, and I used to pay 10,000 a year, as the primary driver on my Civic LX Sedan. Now, I asked my broker what Third party insurance would sum up to, and it's $10,340 per year. I'm sure you're all aware of what the difference is now.
Can anybody help me, I know I know, everyone's just gonna reply back with: It sucks to be young, it sucks to have a bad record, yes I know. But can anyone reply with some useful info? Anyone have links to cheaper insurance, or have good rates with companies that they can inform me of? Or family members who deal insurance? Anything.
What a tragedy. And I was just about to get my midpipe installed. Too bad I can't even afford to keep the car on the road.
Here's the deal. I'm 20, and I just got into an accident last Janurary. My insurance premium has raised to a psychotic level, and I can't afford to pay for ****. I was previously with Ing Direct, and I used to pay 10,000 a year, as the primary driver on my Civic LX Sedan. Now, I asked my broker what Third party insurance would sum up to, and it's $10,340 per year. I'm sure you're all aware of what the difference is now.
Can anybody help me, I know I know, everyone's just gonna reply back with: It sucks to be young, it sucks to have a bad record, yes I know. But can anyone reply with some useful info? Anyone have links to cheaper insurance, or have good rates with companies that they can inform me of? Or family members who deal insurance? Anything.
What a tragedy. And I was just about to get my midpipe installed. Too bad I can't even afford to keep the car on the road.
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From: St.Louis(st.peters)
Rep Power: 302 how much is 10,000 in U.S. money??? holy shooiet~! dawg ..
I'm 19 and i pay about 300 a month as a primer driver of my Civic coupe.
I thot i was paying way too fvcking much but after seeing this thread..
...haha well that sucks man..
I'm 19 and i pay about 300 a month as a primer driver of my Civic coupe.
I thot i was paying way too fvcking much but after seeing this thread..
...haha well that sucks man.. 
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From: Richmond Hill, Ontario
Rep Power: 0 I would try getting a quote from President's Choice (PCFinancial.ca)
They have really good rates...when my current policy (CAA) is up, I'm going to switch for sure. I'll be going from about $3000/yr down to about $2000 (!)
Get a quote on their site and see what they can do for ya...good luck!
They have really good rates...when my current policy (CAA) is up, I'm going to switch for sure. I'll be going from about $3000/yr down to about $2000 (!)
Get a quote on their site and see what they can do for ya...good luck!
HOLY ****...10K???? is that true???
cmon man...
my friend, 18, FULL COVERAGE on his accord V6 w/ GPS....that's around $2000 for 6 months, $4K per-YEAR.
ur saying that urs is 10K (before accident)??? any tickets??
$300 per months??? r u being serious here?
means.... $300 x 6 = $1800 for 6 months??
damn dawg! i can get $600 for 6 months with Progressive! try em!
cmon man...
my friend, 18, FULL COVERAGE on his accord V6 w/ GPS....that's around $2000 for 6 months, $4K per-YEAR.
ur saying that urs is 10K (before accident)??? any tickets??
Originally Posted by chrisleecool
how much is 10,000 in U.S. money??? holy shooiet~! dawg ..
I'm 19 and i pay about 300 a month as a primer driver of my Civic coupe.
I thot i was paying way too fvcking much but after seeing this thread..
...haha well that sucks man..
I'm 19 and i pay about 300 a month as a primer driver of my Civic coupe.
I thot i was paying way too fvcking much but after seeing this thread..
...haha well that sucks man..means.... $300 x 6 = $1800 for 6 months??
damn dawg! i can get $600 for 6 months with Progressive! try em!
maybe your friend's accord is under parents' name but in principal driver status
it's not unusal to hit over $10,000 for insurance, i know Terence aka TTcivic is paying well over $10,000 on his RAV4
i would suggest PCinsurance too cuz i heard they are pretty cheap.
if not then try RBC insurance and TD bank insurance online too
good luck and pray insurance go public and run by government
it's not unusal to hit over $10,000 for insurance, i know Terence aka TTcivic is paying well over $10,000 on his RAV4
i would suggest PCinsurance too cuz i heard they are pretty cheap.
if not then try RBC insurance and TD bank insurance online too
good luck and pray insurance go public and run by government
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Originally Posted by iamfob
good luck and pray insurance go public and run by government
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Originally Posted by NoSpleeny
I am with HB Group and they offer pretty good rates.
Also York and Shire or something like that offers pretty good rates.
Also York and Shire or something like that offers pretty good rates.
Also someone mentioned President Choice Insurance, Dont even bother, you have to be Old and have a perfect driving record to be considered. Theyre goin after all the old cotton heads who only drive once a week not any of us younger guys who actually drive
ouch.. that is pretty brutal..
now that i think about it my friend she pays 6800 for just the summer to drive her celica GTS... she is just turned 21 and when she started to drive that car she used to pay 8000 for just the summer.
now that i think about it my friend she pays 6800 for just the summer to drive her celica GTS... she is just turned 21 and when she started to drive that car she used to pay 8000 for just the summer.
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From: Richmond Hill, Ontario
Rep Power: 0 LMAO...that must mean I'm an old cottonhead...they sent me an application and that's how I heard about their low rates.
Well, I do have a perfect driving record...but I do drive over 60km a day...
Also someone mentioned President Choice Insurance, Dont even bother, you have to be Old and have a perfect driving record to be considered. Theyre goin after all the old cotton heads who only drive once a week not any of us younger guys who actually drive
Well, I do have a perfect driving record...but I do drive over 60km a day...
Originally Posted by rokenrolcivic
Also someone mentioned President Choice Insurance, Dont even bother, you have to be Old and have a perfect driving record to be considered. Theyre goin after all the old cotton heads who only drive once a week not any of us younger guys who actually drive
Originally Posted by rokenrolcivic
Also someone mentioned President Choice Insurance, Dont even bother, you have to be Old and have a perfect driving record to be considered. Theyre goin after all the old cotton heads who only drive once a week not any of us younger guys who actually drive
it is a rare instance, but IF any of your parents have their own business, and you live with them, some cars can be put as company cars, thus allowing your parents to be primary driver on 2 cars, ultimately meaning they are the primary driver on your car and insurance drops.
i have an 03 civic, my bro has an 03 accord. we got insurance not even a yr ago and he only had his g2 at the time and because we were using our parents as primary, we are paying like $5500 or so for BOTH of us to be insured, as well as our parents just for cheaper payment purposes. to make it worse, i was 18 (meaning im labelled a **** driver) and my bro was 21 (still under my insurance company making him a **** driver)
I do hope enough ppl are in the same situation as myself and can scam/lie to insurance companies at least a bit
i have an 03 civic, my bro has an 03 accord. we got insurance not even a yr ago and he only had his g2 at the time and because we were using our parents as primary, we are paying like $5500 or so for BOTH of us to be insured, as well as our parents just for cheaper payment purposes. to make it worse, i was 18 (meaning im labelled a **** driver) and my bro was 21 (still under my insurance company making him a **** driver)
I do hope enough ppl are in the same situation as myself and can scam/lie to insurance companies at least a bit
Originally Posted by aequitas
zen master what company is your friend with?
I'm from Buffalo NY....to be exact, Williamsville, NY 14221
it's considered the safest city in USA.....am i right? haha...that's what my bro always said...
anywho...he's in with Progressive insurance..
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From: CANADA,Ottawa
Rep Power: 0 I pay less then 1800 a year and that's can money.
full coverage and I was 22 when I started the plan.
and it's not for a civic Acura EL 2000.
P.S. I got quoted @ over 3200 per year with a 2000 Honda CIvic SI.
What the **** is that. I pay more for a ( no offense here) **** car then a luxyrius one LOL.
full coverage and I was 22 when I started the plan.
and it's not for a civic Acura EL 2000.
P.S. I got quoted @ over 3200 per year with a 2000 Honda CIvic SI.
What the **** is that. I pay more for a ( no offense here) **** car then a luxyrius one LOL.
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Originally Posted by zen_master
ah, you got that right..
I'm from Buffalo NY....to be exact, Williamsville, NY 14221
it's considered the safest city in USA.....am i right? haha...that's what my bro always said...
anywho...he's in with Progressive insurance..
I'm from Buffalo NY....to be exact, Williamsville, NY 14221
it's considered the safest city in USA.....am i right? haha...that's what my bro always said...
anywho...he's in with Progressive insurance..
Originally Posted by 03Eclipse
What I meant was that the person asking was from Canada and your obviously an American ... Different country, different laws, different insurance companies
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Originally Posted by zen_master
hence, the lower insurance rate? man! i love this country!
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From: Markham, Ontario
Rep Power: 0 Tried PC, they won't even insure me. As for York Fire and Casualty, my mother is with them. They won't insure me either. This is pure ****ery.
I'm still looking around. Anybody with other suggestions???
I'm still looking around. Anybody with other suggestions???
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Rep Power: 0 How can your premium be $10,000 a year? I have seen people with DUI's and countless accident's with $7,000 and $8,000 a year ... and thats in Facility ... you must have some record, or there is somehting you are not telling us ... Was the accident you were in serious, did you injure anyone?
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From: Toronto, Ontario, Canada
Rep Power: 0 That's not always the case.... My broker told me I'm paying an extra ~$300/yr because my car is the "high end" EL over the Civic (sedan)....
You were probably comparing the Si (coupe) or SIR?? Perhaps....
Even with 2 at fault accidents, age 23, I didn't pay $10000 a year. He probably has a few tickets under his belt.
You were probably comparing the Si (coupe) or SIR?? Perhaps....
Even with 2 at fault accidents, age 23, I didn't pay $10000 a year. He probably has a few tickets under his belt.
Originally Posted by silvermugen
I pay less then 1800 a year and that's can money.
full coverage and I was 22 when I started the plan.
and it's not for a civic Acura EL 2000.
P.S. I got quoted @ over 3200 per year with a 2000 Honda CIvic SI.
What the **** is that. I pay more for a ( no offense here) **** car then a luxyrius one LOL.
full coverage and I was 22 when I started the plan.
and it's not for a civic Acura EL 2000.
P.S. I got quoted @ over 3200 per year with a 2000 Honda CIvic SI.
What the **** is that. I pay more for a ( no offense here) **** car then a luxyrius one LOL.
