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Joined: Jul 2003
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kevin2
Senior Member
kevin2 Nov 23, 8:17am - #333541 
2000 White Toyota Celica
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2000 Toyota Celica

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Missouri
Insurance question...my g/f is paying too much?

My g/f just bought insurance for her 1988 Honda civic lx which cost her $499.12 every 6 months!!! This is freaking ridiculous especially when the car itself is not even worth $500. Shes only 18 years old so I guess thats why. What do you guys think???

lose graciously and win humbly
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RevMonster
Masta OC
RevMonster Nov 23, 8:23am - #333542 

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2003 Toyota Celica

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Orange County, Ca
That's not NEAR enough info.

What are her liability limits? What are her deductibles for comp & collision, if she has the coverages?

50-75% of the cost of insurance for those age 18-25 is the premium for liability coverage, which isn't effected by the car whatsoever.

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ghostingcelica
Specialist
ghostingcelica Nov 23, 9:16am - #333543 
2000 Black Toyota Celica GT
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2000 Toyota Celica GT

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California
mine is 4gs a year. it depends on her record and some ppl tell me her grades effect it too and so does color of car
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RevMonster
Masta OC
RevMonster Nov 23, 9:19am - #333544 

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2003 Toyota Celica

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Orange County, Ca
Factors that matter:

years driving (not age)
gender
yearly mileage
number of household vehicles
driving record
car
coverage
grades
other household policies with company

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RookieGTS
Boobie Vision
RookieGTS Nov 23, 1:37pm - #333545 

Boobie Vision
2000 Toyota Celica

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925 Nor Cal
dude thats 83 dollars a month. Thats not too expensive. but then again for a old car, that sucks balls thumbsdown
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ragingpaseo
Specialist
ragingpaseo Nov 23, 2:40pm - #333546 
2003 blue Toyota Celica
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2003 Toyota Celica

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towson, md
that's not full coverage, it's just liab coverage becuase it's an 88'. actually, for her age, that's not too bad...
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celikitten
April Fools
celikitten Nov 23, 4:36pm - #333547 

April Fools
2000 Toyota Celica

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Posts: 408
PA
insurance is a ripoff... let me give you guys some advice... NEVER let your insurance lapse... i thought i had mine paid for the year... but i still owed $74... didn't know it so i never paid it... so now progressive is charging me $4600 a year for my celica and my sebring... i had to take my celica off the insurance... it's winter anyway so it's okay for now... but still THAT SUCKS...

shamelessly addicted to ecelica
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jyboygenius
Senior Member
jyboygenius Nov 23, 6:03pm - #333548 
2001 Silver Toyota Celica
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2001 Toyota Celica

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Posts: 621
Colorado, USA
Is she on herparents plan or on her own plan? It's really not too bad given the price, but granted it's an 88, that's pretty lousy. Look into it, I'm no insurance expert, but price like that isn't too outta the blue.

Enzo Ferrari " You may be a Ferrari owner; but, you may not necessarly be a Ferrari Driver."
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ExNihilo
Cold Warrior
ExNihilo Nov 23, 6:37pm - #333549 
Cold Warrior
2004 Toyota Celica GTS

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Posts: 777
Tempe, AZ
Actually, for her age, its not so bad. You might be able to better, but I don't know if it would be worth all the effort to shop around.

300,000 KM/Sec. Its not just a good idea, its the law.
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kevin2
Senior Member
kevin2 Nov 23, 7:02pm - #333550 
2000 White Toyota Celica
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2000 Toyota Celica

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Missouri
She don't have any coverages because the car is paid off longggg ago...to long. anyway, she will be 19 in a couple of months and she have been driving for about 5 months grin I guess that's the right price, but I'll tell her to look around first..thanx guy!

lose graciously and win humbly
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risa
Member
risa Nov 23, 7:07pm - #333551 

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2002 Toyota Celica

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Posts: 113
VA
eekthats more then my 02 gts with an 20k after maket policy...
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RevMonster
Masta OC
RevMonster Nov 23, 9:29pm - #333552 

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2003 Toyota Celica

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Orange County, Ca
Originally Posted by risa
eekthats more then my 02 gts with an 20k after maket policy...


So you're paying less than $80 a month for an 02 GTS? wtf

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risa
Member
risa Nov 23, 9:39pm - #333553 

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2002 Toyota Celica

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Posts: 113
VA
Originally Posted by RevMonster
Originally Posted by risa
eekthats more then my 02 gts with an 20k after maket policy...


So you're paying less than $80 a month for an 02 GTS? wtf


yes...like 72 a month. It pays to be 25 a female and married
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RevMonster
Masta OC
RevMonster Nov 23, 11:24pm - #333554 

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2003 Toyota Celica

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Orange County, Ca
rofl damn you.

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DoRkyCeLica
Member
DoRkyCeLica Nov 23, 11:26pm - #333555 
2000 White Toyota Celica
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2000 Toyota Celica

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LonG BeacH, Ca
Im only 19 and i pay $400 every six months...
My bro got my hooked up cause he work at the insurance copmany
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xcivickillerx
Member
xcivickillerx Nov 23, 11:40pm - #333556 

Member
2003 Toyota Celica

Joined: Jun 2004
Posts: 118
Ocala Florida
Originally Posted by ghostingcelica
mine is 4gs a year. it depends on her record and some ppl tell me her grades effect it too and so does color of car
Does color of the car really affect it? I never heard that before. What colors are worst?
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RevMonster
Masta OC
RevMonster Nov 23, 11:41pm - #333557 

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2003 Toyota Celica

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Orange County, Ca
Originally Posted by xcivickillerx
Originally Posted by ghostingcelica
mine is 4gs a year. it depends on her record and some ppl tell me her grades effect it too and so does color of car
Does color of the car really affect it? I never heard that before. What colors are worst?


Not with any of the major companies... and not with any of the smaller ones I know of.

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crespo_h69
Member
crespo_h69 Nov 24, 1:14am - #333558 
2004 Silver Toyota Celica
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2004 Toyota Celica

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Long Beach, California
Originally Posted by RevMonster
Originally Posted by xcivickillerx
Originally Posted by ghostingcelica
mine is 4gs a year. it depends on her record and some ppl tell me her grades effect it too and so does color of car
Does color of the car really affect it? I never heard that before. What colors are worst?


Not with any of the major companies... and not with any of the smaller ones I know of.


If you get lowjack installed, it'll go down $80, this doesn't really help but $80 is $80 wink
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jgmx
Senior Member
jgmx Nov 24, 2:04am - #333559 

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Posts: 523
austin tx
tell her to get the insurance w/ her dad or mom... and just add her car to the policy...

$80 bucks sounds good to me... thumbsup

"The girls are more impressed when you have a 6-pack than when you finish one"
Quote:
Originally posted by Virgilson:
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RookieGTS
Boobie Vision
RookieGTS Nov 25, 3:03am - #333560 

Boobie Vision
2000 Toyota Celica

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Posts: 2,979
925 Nor Cal
Over all insurance prices fucking suck ass and are waaaaaaaay over priced...
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Posts: 282
AdamVIP
Member
AdamVIP Nov 25, 3:14pm - #333561 
Member

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Posts: 282
CA
It also depends where you live. For me to insure my gts in LA is over 2gs a year but in SD its 1400
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Maka
Senior Member
Maka Nov 25, 3:49pm - #333562 

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2000 Toyota Celica GT

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Posts: 993
Michigan
damn, I am 22 and I pay 250 every month angry angry

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CelicaPrincess
Senior Member
CelicaPrincess Nov 25, 6:13pm - #333563 
2001 Liquid Silver Toyota Celica GT
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2001 Toyota Celica GT

Joined: Sep 2002
Posts: 772
South Florida
Originally Posted by ghostingcelica
mine is 4gs a year. it depends on her record and some ppl tell me her grades effect it too and so does color of car


Same here...

I have good grades, so I get a little discount. I have a clean record. Its only that high for me b/c the other cars im insured on.

And I have never heard of an insurance company charging more b/c the color of your car.
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Posts: 574
kevin2
Senior Member
kevin2 Nov 25, 11:24pm - #333564 
2000 White Toyota Celica
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2000 Toyota Celica

Joined: Jul 2003
Posts: 574
Missouri
Originally Posted by jgmx
tell her to get the insurance w/ her dad or mom... and just add her car to the policy...

$80 bucks sounds good to me... thumbsup


It's $499 only because her dad name is on it too or else it'll be a lot more. suckass because it's only an 88 civic lx. thumbsdown thumbsdown farmers insurance thumbsdown thumbsdown

lose graciously and win humbly
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kevin2
Senior Member
kevin2 Nov 25, 11:27pm - #333565 
2000 White Toyota Celica
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2000 Toyota Celica

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Posts: 574
Missouri
farmer insurane also try to rip me off when my car got broke into. My CD/mp3 players cost $500+tax and they try to gave me $200 for it and it's only 3 month old thumbsdown thumbsdown

lose graciously and win humbly
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