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Old 08-20-2008, 01:53 PM   #1
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Question please help me with insurance question
ok so as many of u guys no im 15 going to be 16 on sep 2. with a 91 accord that i love

so i wanted to get some liability insurance on it and the guys told my dad it will cost 350.00 to start up the new policy plus around 165.00 a month for me....?????


im liek wtf? is that not a lot?


i cannnot afford that please guys help me and tell me what to do



thanks!
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heres my mod. list


-painted valve cover
-new headers
-new high flow obx resonator
-new carbon fiber exaust tip
-new p.s pump
-new radiator
-new belt
-new injen ram intake
-new strut bar
-new deck (installed myself)
-new speakers

-not bad for learning as i went and not having shit for help besides u great guys

i think thats around all i did, tok a few months but im happy with it!

and after all that theres a small puddle of oil under my intake on my engine.....
the fun never ends!
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Old 08-20-2008, 02:04 PM   #2
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you wanna drive you gotta pay. the only thing you can do is shop around.
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Old 08-20-2008, 02:36 PM   #3
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get an afterschool part time job to help your pops pay for it... it'll get a little cheaper the longer you go without a ticket/accident (so keep that in mind when you pull up next to some punk reving his engine at a redlight)
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Old 08-20-2008, 04:04 PM   #4
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ok ok thanks guys what do u guys pay?


any companys i should contact that are good????
__________________
heres my mod. list


-painted valve cover
-new headers
-new high flow obx resonator
-new carbon fiber exaust tip
-new p.s pump
-new radiator
-new belt
-new injen ram intake
-new strut bar
-new deck (installed myself)
-new speakers

-not bad for learning as i went and not having shit for help besides u great guys

i think thats around all i did, tok a few months but im happy with it!

and after all that theres a small puddle of oil under my intake on my engine.....
the fun never ends!
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Old 08-20-2008, 06:52 PM   #5
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It's going to be expensive no matter what company you go to at 16.

See if your dad will add you onto his policy. Might be a little cheaper than your own policy.
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Old 08-20-2008, 10:03 PM   #6
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At 17 years old, I had several speeding tickets under my belt. My insurance, liability only on a piece of shit car was $380 a month.. Yes I shopped around, Every other company in the USA told me to shove it, and just plain "no". May that be a warning to you when you feel like you need to speed from point a to point b.

Anyhow, yeah, thats about the best you're going to see for a couple of years. Keep your record clean, drive safe, and you'll see those numbers drop every year.

I am now 28 years old, have full coverage on two cars and a crotch rocket, with the wife on the policy as well, "good driver" discount, 4 years ticket free for both of us.. And I pay less than $100 a month. This is for a jeep, an acura, and a cbr 1000rr.

You wanna hear a high insurance quote? call up at the age of 16 and ask for a quote, full coverage, on a cbr 1000rr. If the person on the phone doesn't die of laughter, they'll quote you like $1200 a month.
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Old 08-20-2008, 10:23 PM   #7
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lol kk i understand thanks guys!
__________________
heres my mod. list


-painted valve cover
-new headers
-new high flow obx resonator
-new carbon fiber exaust tip
-new p.s pump
-new radiator
-new belt
-new injen ram intake
-new strut bar
-new deck (installed myself)
-new speakers

-not bad for learning as i went and not having shit for help besides u great guys

i think thats around all i did, tok a few months but im happy with it!

and after all that theres a small puddle of oil under my intake on my engine.....
the fun never ends!
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Old 08-21-2008, 06:15 AM   #8
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Quote:
Originally Posted by phyregod View Post
You wanna hear a high insurance quote? call up at the age of 16 and ask for a quote, full coverage, on a cbr 1000rr. If the person on the phone doesn't die of laughter, they'll quote you like $1200 a month.
Uhm, that's just for collision.
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Old 08-21-2008, 12:32 PM   #9
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godd so i guess in conclusion 165.00 a month isnt that bad for me??
__________________
heres my mod. list


-painted valve cover
-new headers
-new high flow obx resonator
-new carbon fiber exaust tip
-new p.s pump
-new radiator
-new belt
-new injen ram intake
-new strut bar
-new deck (installed myself)
-new speakers

-not bad for learning as i went and not having shit for help besides u great guys

i think thats around all i did, tok a few months but im happy with it!

and after all that theres a small puddle of oil under my intake on my engine.....
the fun never ends!
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Old 08-21-2008, 12:33 PM   #10
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Quote:
Originally Posted by George777 View Post
It's going to be expensive no matter what company you go to at 16.

See if your dad will add you onto his policy. Might be a little cheaper than your own policy.

I can vouche for that. I'm 18, have 2 cars, 2 accidents and 2 tickets. Take a guess what i've been quoted. I'll give you a hint. In 2 months, i've paid more than both the cars are worth.

On my parents' policy i'm paying like, 370 every six months. My lebaron's a "classic" so it's only 70 every 6 months. My ranger is newer, and a truck, so it's 300 every six months.

We have nationwide, and they're getting tons of discounts for being with them 30 years and having the house insured with them and other stuff.

Keep up your grades. There's good student discounts.
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i dont understand those manuels! they talk in some sort of car language
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Old 08-21-2008, 04:05 PM   #11
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165/mo isn't bad, but it's still high.

I pay 200/mo for full collision on my civic. But that's in Europe.
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Old 08-21-2008, 04:55 PM   #12
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I would jump on 165, I pay $250 full coverage on my accord with 4 points
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Old 08-22-2008, 12:14 AM   #13
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i have one wreck under my belt with a 97 honda accord se and i only pay 121.98 a month for full coverage
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Old 08-22-2008, 12:28 AM   #14
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ok ok ok thank you guys so much for all the info i will just have to save up i guess????



the thing i hate is that ii have to come up with 350.00 to "staart" the policy i guess/???



thats the cash that ima have ttrouble wiht coming up



but thanks to all!
__________________
heres my mod. list


-painted valve cover
-new headers
-new high flow obx resonator
-new carbon fiber exaust tip
-new p.s pump
-new radiator
-new belt
-new injen ram intake
-new strut bar
-new deck (installed myself)
-new speakers

-not bad for learning as i went and not having shit for help besides u great guys

i think thats around all i did, tok a few months but im happy with it!

and after all that theres a small puddle of oil under my intake on my engine.....
the fun never ends!
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Old 08-22-2008, 02:13 AM   #15
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i have a 94 civic. ha. not that it's gunna be the same. but i have full coverage and i pay 40 a month thru progressive. it was like a hundred to start.
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Old 08-22-2008, 02:28 AM   #16
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i'm so terrified of getting my own insurance...

Even safe auto quoted me an arm and a leg
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Originally Posted by 91accordwithwork View Post
i dont understand those manuels! they talk in some sort of car language
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Old 08-22-2008, 09:47 AM   #17
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im 15 going to be 16 on sep 2.
Then why does your age say 27?
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Old 08-22-2008, 09:55 AM   #18
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i didnt no how to change it?

sry?
__________________
heres my mod. list


-painted valve cover
-new headers
-new high flow obx resonator
-new carbon fiber exaust tip
-new p.s pump
-new radiator
-new belt
-new injen ram intake
-new strut bar
-new deck (installed myself)
-new speakers

-not bad for learning as i went and not having shit for help besides u great guys

i think thats around all i did, tok a few months but im happy with it!

and after all that theres a small puddle of oil under my intake on my engine.....
the fun never ends!
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Old 08-22-2008, 09:58 AM   #19
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