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Joined: Dec 2003
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silverceli21
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silverceli21 Jul 17, 4:15am - #225032 

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01 Toyota Celica GT

Joined: Dec 2003
Posts: 245
ma
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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QTRMLR_1
Specialist
QTRMLR_1 Jul 17, 4:22am - #225033 

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2002 Toyota Celica

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Posts: 1,376
Los Angeles, CA
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.

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Erick022121
Rollin On Hubs
Erick022121 Jul 17, 4:24am - #225034 

Rollin On Hubs
2003 Toyota Celica GT

Joined: Mar 2004
Posts: 405
Tampa, Florida
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
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QTRMLR_1
Specialist
QTRMLR_1 Jul 17, 4:27am - #225035 

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2002 Toyota Celica

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Posts: 1,376
Los Angeles, CA
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.
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Posts: 405
Erick022121
Rollin On Hubs
Erick022121 Jul 17, 4:30am - #225036 

Rollin On Hubs
2003 Toyota Celica GT

Joined: Mar 2004
Posts: 405
Tampa, Florida
I pay $90 with my mom as the main driver of the celica
Joined: Oct 2003
Posts: 2,030
RevMonster
Masta OC
RevMonster Jul 17, 4:36am - #225037 

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
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 Jul 17, 8:06am - #225038 

Metal Storm 2040
2000 Toyota Celica

Joined: Jun 2004
Posts: 1,696
Tampa, Florida
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..

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Chelica815
Specialist
Chelica815 Jul 17, 8:11am - #225039 
2000 Silver Toyota Celica
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2000 Toyota Celica

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Posts: 1,870
San Francisco -The Bay
So 22 is the age where my insurance should come down?

Agressively Driven
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2000 Celica GT-S 6 Speed
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JBing
Pizza Geek
JBing Jul 17, 8:23am - #225040 

Pizza Geek
2002 Toyota Celica GT

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Posts: 1,549
Detroit
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 Jul 17, 5:38pm - #225041 

Senior Member

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SAN DIEGO
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
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RetroJ84
Senior Member
RetroJ84 Jul 17, 5:45pm - #225042 
2002 Silver Toyota Celica GT
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2002 Toyota Celica GT

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Posts: 515
Bak, Cali(661)
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 Jul 17, 5:56pm - #225043 
2000 Liquid Silver Toyota Celica GT
hookah-meister
2000 Toyota Celica GT

Joined: Oct 2003
Posts: 975
Smog City LA
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 Jul 17, 5:58pm - #225044 

Caleb
2000 Toyota Celica

Joined: Aug 2003
Posts: 6,372
New Orleans, LA
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 Jul 17, 7:57pm - #225045 

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
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 Jul 18, 12:03am - #225046 

Member
01 Toyota Celica GT

Joined: Dec 2003
Posts: 245
ma
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
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Haulin_A_Doo
Specialist
Haulin_A_Doo Jul 18, 12:06am - #225047 
Specialist

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Posts: 2,016
Ontario
When I was 24, my insurance was $165 a month for public liability & when I turned 25 it dropped to $35 a month.
Joined: Jul 2004
Posts: 1,003
Sancho
SD Syndicate
Sancho Jul 18, 5:38pm - #225048 

SD Syndicate
2004 Toyota Celica GT

Joined: Jul 2004
Posts: 1,003
San Diego, CA
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 Jul 18, 6:23pm - #225049 
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haha i most pay 600$ a moth
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booyaolian
Specialist
booyaolian Jul 18, 7:53pm - #225050 
2000 Black Toyota Celica GT
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2000 Toyota Celica GT

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Austin, TX
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 Jul 19, 3:59am - #225051 

Member
2001 Toyota Celica

Joined: Jul 2004
Posts: 14
CA
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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