insurance nightmare!!!!!
12-10-2007, 10:01 PM
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insurance nightmare!!!!!
ok this is my frist post so ill first say hi im chris..... now i need to vent
ok i found a nice 04 rx8 for 13k it had 60k miles on it 6 speed.... i needed to trade in my current car and there raping me on what there offering, but i solved that problem. so i get home and have my mom get me a quote on there policy... i get quoted 266$ a month! wtf thats on there plan i check progressive they want like 648$ a month... another place wants 298. and state farm wants like 4 something! i have a clean record!!! why are these quotes so crazy?!?! i kno this is a sports car but come on its not a lambo or anything! what does everone else pay??? o and the 266 was with my dad as the primary driver and he has a clean record too! i think im deff not gunna b able to get this car unless i sell my cobalt
ok i found a nice 04 rx8 for 13k it had 60k miles on it 6 speed.... i needed to trade in my current car and there raping me on what there offering, but i solved that problem. so i get home and have my mom get me a quote on there policy... i get quoted 266$ a month! wtf thats on there plan i check progressive they want like 648$ a month... another place wants 298. and state farm wants like 4 something! i have a clean record!!! why are these quotes so crazy?!?! i kno this is a sports car but come on its not a lambo or anything! what does everone else pay??? o and the 266 was with my dad as the primary driver and he has a clean record too! i think im deff not gunna b able to get this car unless i sell my cobalt
12-10-2007, 10:30 PM
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idc how old someone is. the quotes i got are crazy and should be illegal. i understand some kids are high risks but come on more then what i would pay for the car itself. **** that! and teenager bs im old enough to fight in the war but not old enough to get a fair insurance rate
12-10-2007, 11:46 PM
#7
Your age, vehicle, location, gender, primary driver's driving record, secondary...etc, number of cars under the policy, your school grades, and obviously insurance company's rate, are what determines how much you would pay.
12-11-2007, 12:41 AM
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idc how old someone is. the quotes i got are crazy and should be illegal. i understand some kids are high risks but come on more then what i would pay for the car itself. **** that! and teenager bs im old enough to fight in the war but not old enough to get a fair insurance rate
Maybe you're in college. If so, you might want to take a class on actuarial science. They're (insurance companies) punishing not for who you are as an individual, rather they are assessing you (age group), collectively as a whole, in a demographic which is a high risk category in your state, zip code driving an "X" car with other factors such as gender, driving experience, hp of the car, etc and etc. In other words, they have all the stats which show that males in your age group, in your area, and the % of the youthful drivers in your group who will cause accidents, the first year, second year, third year, etc and determine how much to charge people within your age group to recoupe the money lost from all those accidents.
However, all things being equal, if you're to move to a rural area, your premium might be less.
Last edited by liam; 12-11-2007 at 12:44 AM.
12-11-2007, 05:09 AM
#12
Its called "rape". Expect the insurance companies to keep doing it to you until your older than 25. U.S. insurance companies are out of control.
Shop around real hard or have your parents insure it and pay them.
Shop around real hard or have your parents insure it and pay them.
12-11-2007, 06:35 AM
#13
Misfit Moderator TnC
thats far from high insurance.....try moving to jersey! or new york city even.....my buddy is 28 and has a clean record and is paying 475 a month for a friggen scion tc......quit your moaning!
12-11-2007, 10:33 AM
#14
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I have one minor accident and I'm 25. Progressive quoted me $266 a month for all coverage.
Geico Quotes me $160 a month for same coverage.
And Geico with Bank of America Discount quotes me $116 a month for that same coverage.
Go Figure.
Geico Quotes me $160 a month for same coverage.
And Geico with Bank of America Discount quotes me $116 a month for that same coverage.
Go Figure.
12-11-2007, 12:05 PM
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Well glad to kno that iv only posted here 3 times now. And I'm allready gettin bashed and flamed. Haha what a friendly forum! Makes me look forward to gettin the 8 even more..... jeez chill out ppl. I wasn't tryin 2 start problems
12-11-2007, 12:12 PM
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Try having it put on as a "weekend car" they will usually limit your miles driven in a year, and have your parents the primary drivers. Its not that they check your mileage but if you get into an accident/ticket they might look into it.
12-11-2007, 12:15 PM
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Cant really complain about this car tho for insurance, bc its a sports car and under 25...also I got a higher quote for a Subaru legacy/impreza (non wrx), believe it or not
12-11-2007, 07:17 PM
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well they checked againand if there put on as a primary driver its about 110 for full coverage...... not bad but now im having other delemas. i need my car gone and im having a hard time selling it. and the stealer ship only wants to give me like 4 to 5 grand under what i owe. wich means the 13grand rx8 is now an 18 grand rx 8..... and idk if i can get financed even with a cosigner for a car that year (04) for that price
12-12-2007, 11:48 AM
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the rest were 400-575
12-30-2007, 06:22 PM
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I hate michigan!
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idc how old someone is. the quotes i got are crazy and should be illegal. i understand some kids are high risks but come on more then what i would pay for the car itself. **** that! and teenager bs im old enough to fight in the war but not old enough to get a fair insurance rate
It is all about how an insurance company rates risk. Being younger, there is higher risk. Around
30 it should have dropped down considerably.
12-30-2007, 07:52 PM
#25
The Professor
ok this is my frist post so ill first say hi im chris..... now i need to vent ok i found a nice 04 rx8 for 13k it had 60k miles on it 6 speed.... i needed to trade in my current car and there raping me on what there offering, but i solved that problem. so i get home and have my mom get me a quote on there policy... i get quoted 266$ a month! wtf thats on there plan i check progressive they want like 648$ a month... another place wants 298. and state farm wants like 4 something! i have a clean record!!! why are these quotes so crazy?!?! i kno this is a sports car but come on its not a lambo or anything! what does everone else pay??? o and the 266 was with my dad as the primary driver and he has a clean record too! i think im deff not gunna b able to get this car unless i sell my cobalt
ok i found a nice 04 rx8 for 13k it had 60k miles on it 6 speed.... i needed to trade in my current car and there raping me on what there offering, but i solved that problem. so i get home and have my mom get me a quote on there policy... i get quoted 266$ a month! wtf thats on there plan i check progressive they want like 648$ a month... another place wants 298. and state farm wants like 4 something! i have a clean record!!! why are these quotes so crazy?!?! i kno this is a sports car but come on its not a lambo or anything! what does everone else pay??? o and the 266 was with my dad as the primary driver and he has a clean record too! i think im deff not gunna b able to get this car unless i sell my cobalt