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Insurance question...my g/f is paying too much? #333541 Nov 23, 12:17am Nov 23, 12:17am
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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???


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Re: Insurance question...my g/f is paying too much? [Re: kevin2] #333542 Nov 23, 12:23am Nov 23, 12:23am
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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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Re: Insurance question...my g/f is paying too much? [Re: RevMonster] #333543 Nov 23, 1:16am Nov 23, 1:16am
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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

Re: Insurance question...my g/f is paying too much? [Re: ghostingcelica] #333544 Nov 23, 1:19am Nov 23, 1:19am
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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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Re: Insurance question...my g/f is paying too much? [Re: RevMonster] #333545 Nov 23, 5:37am Nov 23, 5:37am
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dude thats 83 dollars a month. Thats not too expensive. but then again for a old car, that sucks balls thumbsdown

Re: Insurance question...my g/f is paying too much? [Re: RookieGTS] #333546 Nov 23, 6:40am Nov 23, 6:40am
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that's not full coverage, it's just liab coverage becuase it's an 88'. actually, for her age, that's not too bad...

Re: Insurance question...my g/f is paying too much? [Re: ragingpaseo] #333547 Nov 23, 8:36am Nov 23, 8:36am
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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...


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Re: Insurance question...my g/f is paying too much? [Re: celikitten] #333548 Nov 23, 10:03am Nov 23, 10:03am
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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."
Re: Insurance question...my g/f is paying too much? [Re: jyboygenius] #333549 Nov 23, 10:37am Nov 23, 10:37am
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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.


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Re: Insurance question...my g/f is paying too much? [Re: ExNihilo] #333550 Nov 23, 11:02am Nov 23, 11:02am
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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!


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Re: Insurance question...my g/f is paying too much? [Re: kevin2] #333551 Nov 23, 11:07am Nov 23, 11:07am
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eekthats more then my 02 gts with an 20k after maket policy...

Re: Insurance question...my g/f is paying too much? [Re: risa] #333552 Nov 23, 1:29pm Nov 23, 1:29pm
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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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Re: Insurance question...my g/f is paying too much? [Re: RevMonster] #333553 Nov 23, 1:39pm Nov 23, 1:39pm
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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

Re: Insurance question...my g/f is paying too much? [Re: risa] #333554 Nov 23, 3:24pm Nov 23, 3:24pm
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rofl damn you.


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Re: Insurance question...my g/f is paying too much? [Re: risa] #333555 Nov 23, 3:26pm Nov 23, 3:26pm
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Im only 19 and i pay $400 every six months...
My bro got my hooked up cause he work at the insurance copmany

Re: Insurance question...my g/f is paying too much? [Re: ghostingcelica] #333556 Nov 23, 3:40pm Nov 23, 3:40pm
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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?

Re: Insurance question...my g/f is paying too much? [Re: xcivickillerx] #333557 Nov 23, 3:41pm Nov 23, 3:41pm
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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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Re: Insurance question...my g/f is paying too much? [Re: RevMonster] #333558 Nov 23, 5:14pm Nov 23, 5:14pm
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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

Re: Insurance question...my g/f is paying too much? [Re: crespo_h69] #333559 Nov 23, 6:04pm Nov 23, 6:04pm
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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


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Re: Insurance question...my g/f is paying too much? [Re: jgmx] #333560 Nov 24, 7:03pm Nov 24, 7:03pm
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Over all insurance prices fucking suck ass and are waaaaaaaay over priced...

Re: Insurance question...my g/f is paying too much? [Re: RookieGTS] #333561 Nov 25, 7:14am Nov 25, 7:14am
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It also depends where you live. For me to insure my gts in LA is over 2gs a year but in SD its 1400

Re: Insurance question...my g/f is paying too much? [Re: AdamVIP] #333562 Nov 25, 7:49am Nov 25, 7:49am
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damn, I am 22 and I pay 250 every month angry angry


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Re: Insurance question...my g/f is paying too much? [Re: ghostingcelica] #333563 Nov 25, 10:13am Nov 25, 10:13am
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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.

Re: Insurance question...my g/f is paying too much? [Re: jgmx] #333564 Nov 25, 3:24pm Nov 25, 3:24pm
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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


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Re: Insurance question...my g/f is paying too much? [Re: kevin2] #333565 Nov 25, 3:27pm Nov 25, 3:27pm
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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


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