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Joined: Dec 2003
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silverceli21
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silverceli21

Member
01 Toyota Celica GT

Joined: Dec 2003
Posts: 245
ma
Jul 16, 9:15pm - #225032 
Insurance!

man im so pissed i barely have $$ left over for my mods because i pay $340 a month for insurance and the car is registered under my name...now how can i reduce my bill i dunno if my parents can make it like they own it?? anyone HAD the same problem but drastically reduced their insurance? anything will help


SiLvErCeLi
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Posts: 1,376
QTRMLR_1
Specialist
QTRMLR_1

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,376
Los Angeles, CA
Jul 16, 9:22pm - #225033 
just transfer ownership to your parents and have them register, but that would mean they would be taking on risk of being sued if you ever messed up and did something. So it's up to them. Assuming your parents are a lot older and married and have no accidents or violations on record, it'll be a lot cheaper...and just be sure the bill gets paid by someone whoever it's addressed to.


I get my kicks on EC.
Joined: Mar 2004
Posts: 405
Erick022121
Rollin On Hubs
Erick022121

Rollin On Hubs
2003 Toyota Celica GT

Joined: Mar 2004
Posts: 405
Tampa, Florida
Jul 16, 9:24pm - #225034 
better off taking the defensive driving class if you have one... Get a passive alarm which will lower it %15.. All i can really think of.. Also state farm Insurance has the 'Steer clear' program for people like under 18 then 18-24

Joined: Jun 2004
Posts: 1,376
QTRMLR_1
Specialist
QTRMLR_1

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,376
Los Angeles, CA
Jul 16, 9:27pm - #225035 
that's only %15. A married older person's insurance rate with no accidents or violations could be as low as $100/mo.


I get my kicks on EC.
Joined: Mar 2004
Posts: 405
Erick022121
Rollin On Hubs
Erick022121

Rollin On Hubs
2003 Toyota Celica GT

Joined: Mar 2004
Posts: 405
Tampa, Florida
Jul 16, 9:30pm - #225036 
I pay $90 with my mom as the main driver of the celica

Joined: Oct 2003
Posts: 2,030
RevMonster
Masta OC
RevMonster

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Jul 16, 9:36pm - #225037 
Ownership has NOTHING to do with it.

If there are as many vehicles in the household as drivers, each driver has to be the primary insured on a minimum of one vehicle. Your options are either:

1) have yourself rated on the cheapest, slowest car you guys own.

2) (this is slightly crooked): get 1 car insured with company A. Go to company B and insure the rest of your cars. Then company B won't know there are as many cars as drivers. You can then be rated occasional usage on one car.

Other than that... check into good-student discounts. Raise your collision deductible to $500. See if you can take a drivers-safety class for inexperienced drivers to reduce the rate.


I'm just a crosshair
I'm just a shot away from you
Joined: Jun 2004
Posts: 1,696
Polykarb
Metal Storm 2040
Polykarb

Metal Storm 2040
2000 Toyota Celica

Joined: Jun 2004
Posts: 1,696
Tampa, Florida
Jul 17, 1:06am - #225038 
better yet: Don't get into accidents, don't get tickets, don't sign on as primary driver, don't get your own insurance until your 22.

Do drivers school, do driving course from state, get everything that can possibly lower cost of insurance I.E daytime lights, passive alarms etc..


FF TWINCAM BEAUTY: CELICA
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Chelica815
Specialist
Chelica815
2000 Silver Toyota Celica
Specialist
2000 Toyota Celica

Joined: Jun 2004
Posts: 1,870
San Francisco -The Bay
Jul 17, 1:11am - #225039 
So 22 is the age where my insurance should come down?


Aggressively Driven
2000 Celica GT-S 6 Speed
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Posts: 1,549
JBing
Pizza Geek
JBing

Pizza Geek
2002 Toyota Celica GT

Joined: Oct 2003
Posts: 1,549
Detroit
Jul 17, 1:23am - #225040 
I pay 180 a month and Im 22, why is yours so high?? and last year it was only 205 a month


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Virtuous_One
Senior Member
Virtuous_One

Senior Member

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Posts: 411
SAN DIEGO
Jul 17, 10:38am - #225041 
Transfer it to your parents, dude...Thats all you need to do!...But when you do, you have to be careful when you drive being as not to get any traffic tickets or any accidents. In other words you have to be a responsible driver!... But with all this you'll be paying less for your insurance!... thumbsup

Joined: Jan 2004
Posts: 515
RetroJ84
Senior Member
RetroJ84
2002 Silver Toyota Celica GT
Senior Member
2002 Toyota Celica GT

Joined: Jan 2004
Posts: 515
Bak, Cali(661)
Jul 17, 10:45am - #225042 
damn thats a lot...yea, have ur parents put the car under theri insurance and i'm sure it'll drop, i pay 200 and i think i'm setill being screwed...and the age it usually starts to drop is 25...which is gay as all hell. should be 22, but w/e. rolleyes


"You're not how much money you have in the bank. You're not the car you drive. You're not the contents of your wallet. You're not your f------ khakis. You're the all-singing, all-dancing crap of the world."
Joined: Oct 2003
Posts: 975
xXMaGNuSXx
hookah-meister
xXMaGNuSXx
2000 Liquid Silver Toyota Celica GT
hookah-meister
2000 Toyota Celica GT

Joined: Oct 2003
Posts: 975
Smog City LA
Jul 17, 10:56am - #225043 
Here in Cali, you're insurance goes down after 25. im paying 301/mo for insurance, i hate it!

Joined: Aug 2003
Posts: 6,372
Speed4TheNeed
Caleb
Speed4TheNeed

Caleb
2000 Toyota Celica

Joined: Aug 2003
Posts: 6,372
New Orleans, LA
Jul 17, 10:58am - #225044 
i pay very 'cheap' insurance of $225 a month..that with no wrecks/no tickets and NOT the primary driver. but thats living in new orleans...if the policy were in my name i'd be paying $500 easy a month.

Joined: Oct 2003
Posts: 2,030
RevMonster
Masta OC
RevMonster

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Jul 17, 12:57pm - #225045 
Originally Posted by RetroJ84
damn thats a lot...yea, have ur parents put the car under theri insurance and i'm sure it'll drop, i pay 200 and i think i'm setill being screwed...and the age it usually starts to drop is 25...which is gay as all hell. should be 22, but w/e. rolleyes


::slaps forehead::

I explained in my post why that's not possible in most cases.


I'm just a crosshair
I'm just a shot away from you
Joined: Dec 2003
Posts: 245
silverceli21
Member
silverceli21

Member
01 Toyota Celica GT

Joined: Dec 2003
Posts: 245
ma
Jul 17, 5:03pm - #225046 
ya but in order for my dad to have it under his insurance doesnt he have to be the owner...and i have the title im the owner so that means i have to basically sell him the car...but then again im financing it...lol this is so complicated i might as well just deal with it for 2 more years


SiLvErCeLi
Joined: Jul 2004
Posts: 2,016
Haulin_A_Doo
Specialist
Haulin_A_Doo
Specialist

Joined: Jul 2004
Posts: 2,016
Ontario
Jul 17, 5:06pm - #225047 
When I was 24, my insurance was $165 a month for public liability & when I turned 25 it dropped to $35 a month.

Joined: Jun 2004
Posts: 1,003
Sancho
SD Syndicate
Sancho

SD Syndicate
2004 Toyota Celica GT

Joined: Jun 2004
Posts: 1,003
San Diego, CA
Jul 18, 10:38am - #225048 
In October, i'm a three year driver with no tickets or accidents, so my insurance goes down a bit. Still real expensive when you're 19 and the primary driver and owner of a Celica GT. thumbsdown


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oas
Specialist
oas
Specialist

Joined: Nov 2003
Posts: 2,224
Jul 18, 11:23am - #225049 
haha i most pay 600$ a moth

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Posts: 1,143
booyaolian
Specialist
booyaolian
2000 Black Toyota Celica GT
Specialist
2000 Toyota Celica GT

Joined: Jul 2003
Posts: 1,143
Austin, TX
Jul 18, 12:53pm - #225050 
i used to pay $3780 for 6 months.

now i pay $95 a month after i switched it to liability.

Joined: Jul 2004
Posts: 14
delastrodmen
Member
delastrodmen

Member
2001 Toyota Celica

Joined: Jul 2004
Posts: 14
CA
Jul 18, 8:59pm - #225051 
Liability only? ohboy ohboy ohboy Someone steals/vandalizes/wrecks your ride and you are owned Try to purchase full coverage online from Progressive. They've got the hook-ups.


Good guy, bad guy, I'm the one with the gun...
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