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jl2fast4u
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jl2fast4u Feb 11, 10:47pm - #397589 
2001 Black Toyota Celica GT
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2001 Toyota Celica GT

Joined: Sep 2004
Posts: 323
Central Ca
Why do you guys pay so much for insurance?

I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??

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'01 Black Celica GT 5spd - custom catback exhaust, polished AEM CAI, TWM SS, TYC black tails, 6500k h3/h7, s2000 antenna, tein s.techs, 35%/5% tint, debadged
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BaTMaN_4
Senior Member
BaTMaN_4 Feb 11, 10:54pm - #397590 

Senior Member
2002 Toyota Celica GT

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Posts: 753
McAllen, TX
I dont pay for it myself but my chief pays $110 and im 18 with a clean record although i have visited 'Defensive Driving School' to maintain the cleanliness thumbsup
Joined: Apr 2004
Posts: 71
shawnstam
Member
shawnstam Feb 12, 2:02am - #397591 
2004 yellow Toyota Celica
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2004 Toyota Celica

Joined: Apr 2004
Posts: 71
california
I pay 240 per month and i have three cars on it two of them are full coverage.
Joined: Jan 2005
Posts: 30
BMW
Member
BMW Feb 12, 2:38am - #397592 
2000 Silver Toyota Celica GT
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2000 Toyota Celica GT

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Posts: 30
Jville NC
I'm 19 in the military and have full coverage on two cars and only pay 130/month!!!
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Posts: 468
GTS_Rosh
Senior Member
GTS_Rosh Feb 12, 2:40am - #397593 

Senior Member
2004 Toyota Celica

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Posts: 468
Vancouver, BC, Canada
With a 35% discount, I pay about $300/mo (Canadian $). The insurance rate out here is really high. frown
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Posts: 177
Charles
Member
Charles Feb 12, 5:21am - #397594 

Member
2000 Toyota / Honda Celica

Joined: Jan 2004
Posts: 177
Canada
Originally Posted by GTS_Rosh
With a 35% discount, I pay about $300/mo (Canadian $). The insurance rate out here is really high. frown



you must be from ontario or bc... rofl
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Posts: 166
celica_182
Member
celica_182 Feb 12, 5:25am - #397595 

Member
2002 Toyota Celica GT

Joined: Oct 2003
Posts: 166
Houston, tx
Ill pay 240 two cars im 21, clean record i dont know but that was the cheaper I found confused
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Posts: 205
flyimages
Member
flyimages Feb 12, 6:17am - #397596 

Member
2001 Toyota & Acura Celica GTS

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Posts: 205
RI
i pay $50 per month full coverage & i'm 23..

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hephaestus
Specialist
hephaestus Feb 12, 6:20am - #397597 
Specialist

Joined: Oct 2003
Posts: 1,227
New Jersey
I pay $2400 a year just to drive. The bare minimal. It would cost me around $6000 a year for full coverage. Most of my insurance needs to be paid off in the first 6-7 months.
I have only 2 points on my license. Some points on my insurance will never be erased.

I got a DWI. I pulled a .10 twice. The legal limit in my state at the time (.1=5beers). The officer said my eyes were too red I'm going to have to take you in and if you pass the breathalyzer I'm going to give you a drug test after the field test that I passed. I was by myself at the time and did no harm than going 60mph in a 50 zone at 9:00 PM on a Friday.
All of which I agreed to because I didn't think I was over the limit and I don't do any illegal drugs and I wanted to cooperate.
What a shock. I even had to call my parents to come get me on their 30th anniversary night. No other option available and I tried. I was clean and drove straight and followed most of the traffic laws. The cop thought I pulled out of the local strip club and he saw the picture of my long hair on the license and it was all over. This is what he told me other than my funky eyes.

This is why I'm a hard ass when it comes to driving and substance abuse or just driving stupid.

That's my Mr. Roger's public message and good deed for the day.
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Posts: 621
Traviesa86
Penetrating Salsa
Traviesa86 Feb 12, 6:43am - #397598 

Penetrating Salsa
02 Acura RSX-S

Joined: Jan 2004
Posts: 621
New Orleans
i think Caleb pays close to 300/month to drive the celi, he's 21.

Insurance is suuuuper high in Louisiana...so many damn uninsured drivers makes everybody's rates go up a whole lot. thumbsdown

"...No one on earth knows me like you do..."
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Posts: 795
TimO
The O
TimO Feb 12, 6:46am - #397599 

The O
2005 Scion TC

Joined: May 2004
Posts: 795
Hunterdon County, NJ
I pay 7500 a year. I gotta pay 2500 in a few days, then 1500 for a few months and then the rest of the year I dont have to pay anything. yeah it sucks, but I got myself into it so I deserve it I guess.
Joined: Apr 2003
Posts: 1,917
tru_Asiatik_Pride
Blue MnM
tru_Asiatik_Pride Feb 12, 6:48am - #397600 

Blue MnM
2003 Toyota Celica

Joined: Apr 2003
Posts: 1,917
Southern California
Originally Posted by jl2fast4u
I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??

try moving to so cal and youll find out why spineyes
Joined: Jun 2004
Posts: 3,748
hombredelassrtas
CF Connoisseur
hombredelassrtas Feb 12, 8:00am - #397601 

CF Connoisseur
2004 Toyota Celica

Joined: Jun 2004
Posts: 3,748
Gainesville, FL
I pay 580 a month. I am 20 with a new gts. Got into an accident 2 years ago with my jeep wrangler. Was my fault and tore a lady's dorry off and her front fender. Damn insureance. I am thorugh the arm with USAA through family. Sucks but cant do anyhting till 25 frown

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Chelica815
Specialist
Chelica815 Feb 12, 8:42am - #397602 
2000 Silver Toyota Celica
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2000 Toyota Celica

Joined: Jun 2004
Posts: 1,870
San Francisco -The Bay
Originally Posted by TimO
I pay 7500 a year. I gotta pay 2500 in a few days, then 1500 for a few months and then the rest of the year I dont have to pay anything. yeah it sucks, but I got myself into it so I deserve it I guess.


WOW. That is like buying a used GT every year!! WTF!?

Agressively Driven
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2000 Celica GT-S 6 Speed
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GTSGhostRida
Member
GTSGhostRida Feb 12, 1:18pm - #397603 

Member
2003 Toyota Celica GT

Joined: Jan 2005
Posts: 278
Bellevue NE
why do i pay so much for insurance? 3 words...cause im black..hahaha!!!! plus im asian so there goes another thing for the man to hate me about!!!!
Joined: Jul 2003
Posts: 1,587
xmangt1
4 All U Haterz!
xmangt1 Feb 12, 2:15pm - #397604 

4 All U Haterz!
2000 Toyota Celica GT

Joined: Jul 2003
Posts: 1,587
Chicago, IL
Originally Posted by hombredelassrtas
I pay 580 a month. I am 20 with a new gts. Got into an accident 2 years ago with my jeep wrangler. Was my fault and tore a lady's dorry off and her front fender. Damn insureance. I am thorugh the arm with USAA through family. Sucks but cant do anyhting till 25 frown
$580 /mo.? That's ridiculous. U need to change insurance companies. Try Geico or something.
Joined: Apr 2004
Posts: 993
Maka
Senior Member
Maka Feb 12, 3:58pm - #397605 

Senior Member
2000 Toyota Celica GT

Joined: Apr 2004
Posts: 993
Michigan
Originally Posted by jl2fast4u
I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??

Who do you go through?

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xmangt1
4 All U Haterz!
xmangt1 Feb 12, 4:16pm - #397606 

4 All U Haterz!
2000 Toyota Celica GT

Joined: Jul 2003
Posts: 1,587
Chicago, IL
$120/mo Allstate
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Posts: 408
celikitten
April Fools
celikitten Feb 12, 4:28pm - #397607 

April Fools
2000 Toyota Celica

Joined: Jul 2003
Posts: 408
PA
Originally Posted by jl2fast4u
I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??



your insurance is most likely that cheap because you have a clean record... and only one car... that is a GT... (the "s" makes the insurance go up) and i'm assuming you're a male... and car insurance is cheaper for males than females...

most of the people with high car insurance either have speeding tickets, accidents, dui's, or multiple cars...

also the area you live in affects your car insurance rate... obviously...

shamelessly addicted to ecelica
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Maka
Senior Member
Maka Feb 12, 4:30pm - #397608 

Senior Member
2000 Toyota Celica GT

Joined: Apr 2004
Posts: 993
Michigan
I am 22 with a clean record and pay 220.00 a month through progressive. every other place was going to charge me 280- 320 a month cry cry cry cry

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chrissi24
Member
chrissi24 Feb 12, 5:16pm - #397609 
Member
2001 Toyota Celica

Joined: Aug 2004
Posts: 21
Florida
I pay $200 a month to Allstate for an 01 Celica GTS, 1993 Nissan Altima and a 1993 3000gt VR4. But I'm a female 28 years old.

All 3 cars are fully insured 100/300/100 coverage and $250 deductibles.
Joined: Aug 2003
Posts: 6,372
Speed4TheNeed
Caleb
Speed4TheNeed Feb 12, 5:17pm - #397610 

Caleb
2000 Toyota Celica

Joined: Aug 2003
Posts: 6,372
New Orleans, LA
i pay $230 a month...driving record is totally clean.

the reason my insurance is so high is because of where i live...in new orleans, 50% of the motorists are uninsured (even though thats against the law)...so the price of insurance is doubled to compensate for it
Joined: Jul 2003
Posts: 408
celikitten
April Fools
celikitten Feb 12, 5:29pm - #397611 

April Fools
2000 Toyota Celica

Joined: Jul 2003
Posts: 408
PA
^^ wow... that doesn't seem fair...

shamelessly addicted to ecelica
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Speed4TheNeed
Caleb
Speed4TheNeed Feb 12, 5:59pm - #397612 

Caleb
2000 Toyota Celica

Joined: Aug 2003
Posts: 6,372
New Orleans, LA
it's not. and it really does suck..i've gotten in two wrecks in new orleans and thankfully both of them had insurance. one was a russian immigrant and the other was a tourist from florida..so i lucked out.

as a rule of thumb..if the car that hit you isn't new, then it doesnt have insurance.

my bro actually lucked out once when he merged into another guy. he was uninsured so he didnt want the cops to come out so all my bro had to do was pay for his own damage.
Joined: May 2004
Posts: 655
00celica00gt
Senior Member
00celica00gt Feb 12, 6:47pm - #397613 

Senior Member
2000 Toyota Celica GT

Joined: May 2004
Posts: 655
Philadelphia, PA
Originally Posted by celikitten
Originally Posted by jl2fast4u
I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??



your insurance is most likely that cheap because you have a clean record... and only one car... that is a GT... (the "s" makes the insurance go up) and i'm assuming you're a male... and car insurance is cheaper for males than females...

most of the people with high car insurance either have speeding tickets, accidents, dui's, or multiple cars...

also the area you live in affects your car insurance rate... obviously...


you're wrong about males being cheaper. Males are always higher on insurance. Its pretty obvious. Guys drive much faster and race more often. It also depends where you live. Every state is different. I live close to philly plus my area alone is very populated. My insurance is like $2400/year, and i only have the GT and im 21. Clean record also. But what i dont understand is this guy lives in CA and is fully covered for $1356/year. That doesn't seem right. But i dont live in CA so i have no clue.

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chrissi24
Member
chrissi24 Feb 12, 6:57pm - #397614 
Member
2001 Toyota Celica

Joined: Aug 2004
Posts: 21
Florida
I'd have to agree with you there. Males are more expensive on auto insurance. I've found that from experience and also I know quite a few people that work with auto insurance.
Joined: Oct 2002
Posts: 2,677
RicePowered
ECelica Staff
RicePowered Feb 12, 7:42pm - #397615 
ECelica Staff

Joined: Oct 2002
Posts: 2,677
South Jersey
I live in New Jersey ... that's enough for an answer as any rofl rofl
Joined: Oct 2003
Posts: 975
xXMaGNuSXx
hookah-meister
xXMaGNuSXx Feb 12, 7:51pm - #397616 
2000 Liquid Silver Toyota Celica GT
hookah-meister
2000 Toyota Celica GT

Joined: Oct 2003
Posts: 975
Smog City LA
Originally Posted by RicePowered
I live in New Jersey ... that's enough for an answer as any rofl rofl


try living in socal. wave
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Posts: 3,982
Zero
Furi Kuri
Zero Feb 12, 8:24pm - #397617 

Furi Kuri
2002 Toyota Celica GT

Joined: Sep 2003
Posts: 3,982
San Diego, CA
^^^^ yup, uninsured motorists up the ass angry that's why most of our rates are high.

I've mastered the art of the After Image Technique.
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Posts: 400
celica2nv
Senior Member
celica2nv Feb 12, 8:32pm - #397618 

Senior Member
2003 Toyota Celica GT

Joined: Aug 2003
Posts: 400
Southern New Jersey
nj sucks balls i pay 3400 and thats under my parents name under mine it would be over 4 g's and im 21 with a clean record...thank the lord geico is in nj finally im going to switch my buddies insurnce dropped 2 grand by switching tha shows how much nj suucks balls
Joined: Dec 2003
Posts: 785
celicat23
Senior Member
celicat23 Feb 12, 11:21pm - #397619 

Senior Member
2000 Toyota Celica

Joined: Dec 2003
Posts: 785
norway
Why I pay so much for insurance?

Well, seeing as money just falls out of my ass, I feel like paying this much. Ofcourse, it has NOTHING to do with the fact that the price I pay is the cheapest I could get for me, with my cars, living in my area. No. It's just 'cause I feel like paying that damn much. Yeah. That's what it is.

I called some insurance companies up, and they gave me way low quotes, so I said "fuckz all'z ya'll. I'z be da SHIT, and I'z needz to PAY foh mah shit beeehatches!"

Ask stupid questions, get stupid answers.
Joined: Jan 2005
Posts: 89
Jaques
Member
Jaques Feb 13, 12:23am - #397620 
2001 Silver Toyota Celica
Member
2001 Toyota Celica

Joined: Jan 2005
Posts: 89
I don't think he meant it like that, I think he meant it like:
a) why is there such a difference between what he pays and everyone else.
Joined: Jul 2003
Posts: 408
celikitten
April Fools
celikitten Feb 13, 5:55am - #397621 

April Fools
2000 Toyota Celica

Joined: Jul 2003
Posts: 408
PA
Originally Posted by 00celica00gt
Originally Posted by celikitten
Originally Posted by jl2fast4u
I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??



your insurance is most likely that cheap because you have a clean record... and only one car... that is a GT... (the "s" makes the insurance go up) and i'm assuming you're a male... and car insurance is cheaper for males than females...

most of the people with high car insurance either have speeding tickets, accidents, dui's, or multiple cars...

also the area you live in affects your car insurance rate... obviously...


you're wrong about males being cheaper. Males are always higher on insurance. Its pretty obvious. Guys drive much faster and race more often. It also depends where you live. Every state is different. I live close to philly plus my area alone is very populated. My insurance is like $2400/year, and i only have the GT and im 21. Clean record also. But what i dont understand is this guy lives in CA and is fully covered for $1356/year. That doesn't seem right. But i dont live in CA so i have no clue.


well huh... i've always been told that women's insurance is higher because more women get into accidents (or at least claim them) than men... i dunno... it made sense to me... cause i would think insurance companies would be more worried about actual accidents rather than driving fast (which could LEAD to accidents... but are not accidents.. so insurance companies don't have to pay out anything for people just driving fast)

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stefanoc
Specialist
stefanoc Feb 13, 6:09am - #397622 

Specialist
2002 Toyota Celica

Joined: Oct 2003
Posts: 1,864
CA
well i bought the car under my moms name, so im secondary insured driver, and thats how i pay 150$ a month.
socal, 20 year old, clean record.
it really depends of the insurance company policies, some companies have big price difference between gt and gts, some dont. some have more expensive prices for males at young age, 2dr, salvaged. AAA has great prices, so whoever doesnt like wut theyre paying should try giving AAA a call. plus i prefer their customer service over FARMERS which was literally 4 times more expensive.
Joined: Apr 2003
Posts: 2,451
DiabloGTS
Wheezy Joe
DiabloGTS Feb 13, 6:21am - #397623 

Wheezy Joe
2002 Kawasaki Ninja 250

Joined: Apr 2003
Posts: 2,451
Lafayette, LA
$25.90 a month for full coverage.

To have played and laughed with enthusiasm
and sung with exultation
To know even one life has breathed easier
This is to have succeeded.
Joined: Sep 2004
Posts: 323
jl2fast4u
Member
jl2fast4u Feb 13, 6:51am - #397624 
2001 Black Toyota Celica GT
Member
2001 Toyota Celica GT

Joined: Sep 2004
Posts: 323
Central Ca
Originally Posted by 00celica00gt
Originally Posted by celikitten
Originally Posted by jl2fast4u
I only pay $113/month and I'm 19 with a clean record. It's also full coverage. I was looking at some threads and some of you pay $250+ per month??? WTF??



your insurance is most likely that cheap because you have a clean record... and only one car... that is a GT... (the "s" makes the insurance go up) and i'm assuming you're a male... and car insurance is cheaper for males than females...

most of the people with high car insurance either have speeding tickets, accidents, dui's, or multiple cars...

also the area you live in affects your car insurance rate... obviously...


you're wrong about males being cheaper. Males are always higher on insurance. Its pretty obvious. Guys drive much faster and race more often. It also depends where you live. Every state is different. I live close to philly plus my area alone is very populated. My insurance is like $2400/year, and i only have the GT and im 21. Clean record also. But what i dont understand is this guy lives in CA and is fully covered for $1356/year. That doesn't seem right. But i dont live in CA so i have no clue.


I forgot to mention that I have the good student discount. If I didn't have that discount my insurance would be $150/month with the GT. When I had a GTS for a couple weeks, my insurance was $165/month so even with the GTS it's not that bad. BTW, I have allstate.

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'01 Black Celica GT 5spd - custom catback exhaust, polished AEM CAI, TWM SS, TYC black tails, 6500k h3/h7, s2000 antenna, tein s.techs, 35%/5% tint, debadged
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Posts: 1,283
CelicaGTizzle
Specialist
CelicaGTizzle Feb 13, 6:56am - #397625 

Specialist
2001 Toyota Celica GT

Joined: Jun 2004
Posts: 1,283
Chicago, IL
I have State Farm and I'm insured on my Celica, a RX300, G35 Coupe, and G35x (only as a primary driver on my Celica and secondary on the rest). I have so many discounts that it isn't even funny. In all I pay $134 a month.

My car is gunna be 10x faster than yours...haha... I'm gunna buy like 10
of those speedchips! I figure if 1 gets me 20hp then 10 will get me 200hp!
Joined: Sep 2004
Posts: 912
iggy
Senior Member
iggy Feb 13, 7:04am - #397626 
2004 Spectra Blue Toyota Celica
Senior Member
2004 Toyota Celica

Joined: Sep 2004
Posts: 912
PA, United States
Originally Posted by TimO
I pay 7500 a year. I gotta pay 2500 in a few days, then 1500 for a few months and then the rest of the year I dont have to pay anything. yeah it sucks, but I got myself into it so I deserve it I guess.

Holy shit man, omg eek eek eek eek dude thats more than some people make in a year. spineyes

My god man, can you just ride a bike to hell with the driving? What the hell do you do for a living, sell drugs, j/p

Tim I would blow up the insurance building at those rates. tongue I'm now calling you Dr. Tim, since you have to make as much as a doctor just to pay that high ass bill thumbsdown

oh BTW I pay $600 a year for three cars two full coverage and one with a little better than basic. rolleyes PM me the story on why ur INS is so high man happywink

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hombredelassrtas
CF Connoisseur
hombredelassrtas Feb 13, 7:26am - #397627 

CF Connoisseur
2004 Toyota Celica

Joined: Jun 2004
Posts: 3,748
Gainesville, FL
Originally Posted by TimO
I pay 7500 a year. I gotta pay 2500 in a few days, then 1500 for a few months and then the rest of the year I dont have to pay anything. yeah it sucks, but I got myself into it so I deserve it I guess.


damnit bro you beat me by 500 a year wink

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Posts: 208
ApuPimpin
Member
ApuPimpin Feb 14, 12:58am - #397628 

Member
2000 Toyota Celica GT

Joined: Sep 2004
Posts: 208
St. Thomas, USVI
ahh ipm paying $1875 for full. Damn liability would be only $600 :-(
Joined: Jan 2004
Posts: 42
Skyla
Member
Skyla Feb 14, 3:41am - #397629 
2002 Spec. Blue Toyota Celica GT
Member
2002 Toyota Celica GT

Joined: Jan 2004
Posts: 42
Ontario
i get raped with mine..
i pay 4800/year..so just under 400 a month..something like 397...and that is under my mom's name..i had a minor accident when i was a G1 driver...i rear ended a BMW and caused $1500 damage...(none to our rav 4 grin) and because of that, they kill me..i am only 20 (just turned 20) and i just moved out on my own..still under mom's name though, but once i have to get my own insurance when the policy renew's in july, they want over 6000 because of where i live..i am screwed..i have to find new insurance frown
damn ontario

this is no longer a guys hobbie.





Joined: Jul 2003
Posts: 408
celikitten
April Fools
celikitten Feb 14, 3:42am - #397630 

April Fools
2000 Toyota Celica

Joined: Jul 2003
Posts: 408
PA
holy crap!! it's gonna be hard to find other insurance too because of your accident... well good luck... $6000 is REDICULOUS

shamelessly addicted to ecelica
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Posts: 15
UBCeliGT2k
Member
UBCeliGT2k Feb 14, 4:43am - #397631 
Member

Joined: Sep 2003
Posts: 15
i pay 900/year through AIG insurance in New York.
Joined: Jul 2004
Posts: 282
AdamVIP
Member
AdamVIP Feb 14, 3:04pm - #397632 
Member

Joined: Jul 2004
Posts: 282
CA
I pay more cause its california an dim not 25 yet. It would be cheaper for me to insure a corvette z06 than my celi. Sport compacts suck at insurance. And I take it you go to UB ^^^. I just graduated from there last may and moved out to cali for work.
Joined: Feb 2005
Posts: 367
bajoconstruction
Member
bajoconstruction Feb 16, 2:28pm - #397633 

Member
2003 Toyota Celica

Joined: Feb 2005
Posts: 367
Arizona
Damn, I need to find a new insurance company...I pay $220 and I'm a girl/23/single (was cheaper when I was married), and I have 1 ticket on my record, and have 2 other cars insured...I need to find a new place!


Kristin
Joined: Oct 2003
Posts: 1,320
qbanprepster21
Specialist
qbanprepster21 Feb 16, 2:37pm - #397634 
2003 Liquid Silver Toyota Celica GT
Specialist
2003 Toyota Celica GT

Joined: Oct 2003
Posts: 1,320
Virginia
I have three cars, and a bike, and my deductable is $150!!!!, and i only pay 150 a month. And evertyhing but the bike is full coverage. So thats not bad, its a low as shit deductable too!! But 150 for 3 cars and a bike, you cant beat that. Oh and i start my insurance for my 65 mustang in april, so that i can start driving it, and its only going to go up, 10 bucks a month. I have never gotten any tickets, neither has my wife. But i just havent gotten caught yet. Ive had safe driver since 15. So im doing good!!

Fudge The World!
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CrazyJ
Member
CrazyJ Feb 16, 6:43pm - #397635 
2004 carbon blue Toyota Celica GT
Member
2004 Toyota Celica GT

Joined: Feb 2005
Posts: 20
Arcadia, California
dang Im 18 and I have one accident but that was with my old 1988 corolla (LE editon beatches!!!11 lol). Anyway I pay 3200 a yera. It might be the fact that I am asian. It might be the fact that I live in southern California. It might be the fact that I am not over 21 yet. Or maybe its the fact that its all of these factors. Dam insurance companies.
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