Previous Thread
Next Thread
New Reply
Print Thread
Joined: Jul 2003
Posts: 574
kevin2
Senior Member
kevin2
2000 White Toyota Celica
Senior Member
2000 Toyota Celica

Joined: Jul 2003
Posts: 574
Missouri
Nov 23, 1:17am - #333541 
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
[Linked Image]
Joined: Oct 2003
Posts: 2,030
RevMonster
Masta OC
RevMonster

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Nov 23, 1:23am - #333542 
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.


I'm just a crosshair
I'm just a shot away from you
Joined: Dec 2003
Posts: 1,787
ghostingcelica
Specialist
ghostingcelica
2000 Black Toyota Celica GT
Specialist
2000 Toyota Celica GT

Joined: Dec 2003
Posts: 1,787
California
Nov 23, 2:16am - #333543 
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

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

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Nov 23, 2:19am - #333544 
Factors that matter:

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


I'm just a crosshair
I'm just a shot away from you
Joined: May 2004
Posts: 2,979
RookieGTS
Boobie Vision
RookieGTS

Boobie Vision
2000 Toyota Celica

Joined: May 2004
Posts: 2,979
925 Nor Cal
Nov 23, 6:37am - #333545 
dude thats 83 dollars a month. Thats not too expensive. but then again for a old car, that sucks balls thumbsdown

Joined: Dec 2003
Posts: 2,672
ragingpaseo
Specialist
ragingpaseo
2003 blue Toyota Celica
Specialist
2003 Toyota Celica

Joined: Dec 2003
Posts: 2,672
towson, md
Nov 23, 7:40am - #333546 
that's not full coverage, it's just liab coverage becuase it's an 88'. actually, for her age, that's not too bad...

Joined: Jul 2003
Posts: 408
celikitten
April Fools
celikitten

April Fools
2000 Toyota Celica

Joined: Jul 2003
Posts: 408
PA
Nov 23, 9:36am - #333547 
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
[Linked Image]
Joined: May 2004
Posts: 621
jyboygenius
Senior Member
jyboygenius
2001 Silver Toyota Celica
Senior Member
2001 Toyota Celica

Joined: May 2004
Posts: 621
Colorado, USA
Nov 23, 11:03am - #333548 
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."
Joined: Jul 2004
Posts: 777
ExNihilo
Cold Warrior
ExNihilo
Cold Warrior
2004 Toyota Celica GTS

Joined: Jul 2004
Posts: 777
Tempe, AZ
Nov 23, 11:37am - #333549 
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.
Joined: Jul 2003
Posts: 574
kevin2
Senior Member
kevin2
2000 White Toyota Celica
Senior Member
2000 Toyota Celica

Joined: Jul 2003
Posts: 574
Missouri
Nov 23, 12:02pm - #333550 
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
[Linked Image]
Joined: Nov 2004
Posts: 113
risa
Member
risa

Member
2002 Toyota Celica

Joined: Nov 2004
Posts: 113
VA
Nov 23, 12:07pm - #333551 
eekthats more then my 02 gts with an 20k after maket policy...

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

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Nov 23, 2:29pm - #333552 
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


I'm just a crosshair
I'm just a shot away from you
Joined: Nov 2004
Posts: 113
risa
Member
risa

Member
2002 Toyota Celica

Joined: Nov 2004
Posts: 113
VA
Nov 23, 2:39pm - #333553 
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

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

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Nov 23, 4:24pm - #333554 
rofl damn you.


I'm just a crosshair
I'm just a shot away from you
Joined: Sep 2004
Posts: 52
DoRkyCeLica
Member
DoRkyCeLica
2000 White Toyota Celica
Member
2000 Toyota Celica

Joined: Sep 2004
Posts: 52
LonG BeacH, Ca
Nov 23, 4:26pm - #333555 
Im only 19 and i pay $400 every six months...
My bro got my hooked up cause he work at the insurance copmany

Joined: Jun 2004
Posts: 118
xcivickillerx
Member
xcivickillerx

Member
2003 Toyota Celica

Joined: Jun 2004
Posts: 118
Ocala Florida
Nov 23, 4:40pm - #333556 
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?

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

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Nov 23, 4:41pm - #333557 
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.


I'm just a crosshair
I'm just a shot away from you
Joined: Oct 2004
Posts: 266
crespo_h69
Member
crespo_h69
2004 Silver Toyota Celica
Member
2004 Toyota Celica

Joined: Oct 2004
Posts: 266
Long Beach, California
Nov 23, 6:14pm - #333558 
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

Joined: Jul 2003
Posts: 523
jgmx
Senior Member
jgmx

Senior Member

Joined: Jul 2003
Posts: 523
austin tx
Nov 23, 7:04pm - #333559 
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:
[b]

All I Want is Bang Bang Bang!!!
Joined: May 2004
Posts: 2,979
RookieGTS
Boobie Vision
RookieGTS

Boobie Vision
2000 Toyota Celica

Joined: May 2004
Posts: 2,979
925 Nor Cal
Nov 24, 8:03pm - #333560 
Over all insurance prices fucking suck ass and are waaaaaaaay over priced...

Joined: Jul 2004
Posts: 282
AdamVIP
Member
AdamVIP
Member

Joined: Jul 2004
Posts: 282
CA
Nov 25, 8:14am - #333561 
It also depends where you live. For me to insure my gts in LA is over 2gs a year but in SD its 1400

Joined: Apr 2004
Posts: 993
Maka
Senior Member
Maka

Senior Member
2000 Toyota Celica GT

Joined: Apr 2004
Posts: 993
Michigan
Nov 25, 8:49am - #333562 
damn, I am 22 and I pay 250 every month angry angry


[Linked Image]
Joined: Sep 2002
Posts: 772
CelicaPrincess
Senior Member
CelicaPrincess
2001 Liquid Silver Toyota Celica GT
Senior Member
2001 Toyota Celica GT

Joined: Sep 2002
Posts: 772
South Florida
Nov 25, 11:13am - #333563 
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.

Joined: Jul 2003
Posts: 574
kevin2
Senior Member
kevin2
2000 White Toyota Celica
Senior Member
2000 Toyota Celica

Joined: Jul 2003
Posts: 574
Missouri
Nov 25, 4:24pm - #333564 
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
[Linked Image]
Joined: Jul 2003
Posts: 574
kevin2
Senior Member
kevin2
2000 White Toyota Celica
Senior Member
2000 Toyota Celica

Joined: Jul 2003
Posts: 574
Missouri
Nov 25, 4:27pm - #333565 
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
[Linked Image]
Join the conversation - Register Now or Log In to add your comment


Moderated by  isaac 

Member Spotlight
prince542
prince542
2002 Toyota Celica GT
Guam

Posts: 201
Joined: August 2003
Thanks: Celica Development Club Guam\ MDR motosports\ak toyota
Show All Member Profiles 
Recent Topics
Electrical Issue
by zenbone. 06/17/2017 12:40 PM
Manifold intake hose
by Celicafannn23. 06/10/2017 12:29 PM
Wheel size
by enjoi94. 06/08/2017 6:33 PM
Replaced Lock Actuator Issues
by geekbits. 06/08/2017 12:06 PM
Engine swap
by Darkgazer666. 06/06/2017 3:50 PM
What brand of wheels are these guys?
by jennmarkov. 06/05/2017 7:24 AM
WTB: Tsunami Rear Bumper
by valkyrie_gt. 06/04/2017 11:31 AM
Water in transmission fluid?
by Afroduck. 06/03/2017 7:41 PM
Customize Your Toyota Celica Privacy Policy · About · Contact
Privacy Policy · About · Contact
CelicaHobby.com is an independent Toyota Celica enthusiast website. CelicaHobby.com is not sponsored by or affiliated with Toyota Motor Sales, USA, Inc. in any way. The Toyota and Celica names and logos are trademarks owned by Toyota Motor Sales, USA, Inc.
© CelicaHobby.com, 2001-2017
Powered by UBB.threads™ PHP Forum Software 7.6.1
(Snapshot build 20170611)