Hondaswap.com | Honda Technical & JDM styling Forums

2fastCRX · 07-24-2003, 10:58 PM

Basically, since I have had 2 speeding tickets and 3 accidents (1 was my fault) in the past 5 years, my insurance company, Allstate (they suck), is dropping me at the end of this month. They say I am an at-risk driver. So I got a quote from Geico and they will cover me for $1,150 every 6 months!!

I then applied for other quotes online at Nationwide and Progressive. They won't cover me. So I figured that their might be some at-risk drivers on this site like me who had trouble finding insurance companies that would cover them. Do you guys have any advice or companies that might cover me? Thanks alot.

**Loco Honkey** · 07-24-2003, 11:05 PM

I have 12 points right now, and have had my license suspended because of excessive points (17), own a "high performance" turbo AWD car, am 25, live in Vermont, and pay $138 a month, liability. It'll drop in half at the end of this month when more points go off my record.

FYI- DMV records = 2 years. Insurance records = 3 years.

djextremity · 07-24-2003, 11:11 PM

what state are you in?>

2fastCRX · 07-24-2003, 11:19 PM

North Carolina.

hcivic.com · 07-24-2003, 11:24 PM

fuck i pay 4400 a year for plpd liability

2fastCRX · 07-24-2003, 11:53 PM

Quote:

Originally posted by hcivic.com@Jul 24 2003, 10:24 PM
fuck i pay 4400 a year for plpd liability

That is insane!

Loco Honkey, who do you have your insurance with?

SolPWR · 07-24-2003, 11:57 PM

shit i pay $2700 in MA and im a step 14

Havok · 07-24-2003, 11:59 PM

Jesus, wtf did you guys do?! I just went on my own insurance plan, 19 years old, and I pay 866.xx every 6 months for full coverage.

hcivic.com · 07-25-2003, 12:03 AM

i got busted street racing and have 18 tickets now

i kept my licence but have three years prob one ticket and its gone
but in 7 mounths thats all gone away and i welcome back the world of cheap insurace

SolPWR · 07-25-2003, 12:07 AM

im just getting fucked in the ass because my co. sux big balls and they say it has to be this high because im only 18. BULLSHIT

dveit · 07-25-2003, 12:16 AM

Quote:

Originally posted by hcivic.com@Jul 25 2003, 12:03 AM
i got busted street racing and have 18 tickets now

i kept my licence but have three years prob one ticket and its gone
but in 7 mounths thats all gone away and i welcome back the world of cheap insurace

Good god man, are these all speeding tickets?

If so... SLOW DOWN. It's that simple.

djextremity · 07-25-2003, 12:36 AM

None of you are being fucked over. Buying insurance you're asking a company to take responsibility if you ruin another person's property or health with your automobile, but you've proven to be unsafe and irresponsible and unrespectful of the laws which govern the use of said automobile? Of course they are going to want to try to make as much money off of you as possible, as it is almost a sure thing that sometime in the future, they will be giving it out to the people whose cars you destroy.

On a sidenote, 2fast, I work in insurance here in CA. Your best bet is to search out a 'nonstandard' company--Allstate, State Farm, Farmers, those kinds of places are going to be way expensive. You have to go to one of the no-name kinds of ins places that you see on the side of the road with the $29 insurance signs. They'll sell you a policy from a no-name company that will be far cheaper than anything you can get from a big name. Also look into whether your state offers a subsidized type insurance program--CA has CAARP, which is VERY cheap for people who have trouble getting ins from other places.

HTH

djextremity · 07-25-2003, 12:37 AM

Oh yeah, SolPWR, just wait, next year = like a 20% reduction for ya.

**civicgirlracer97** · 07-25-2003, 01:26 AM

I pay $550 every 6 months full coverage. Y'all need to slow down.

Slammed89Integra · 07-25-2003, 01:30 AM

Soon in august I will be paying 1300 every 6 months for full coverage, but now I am uninsured so car doesn't move

Being 16 and having an "Si" automatically makes you high risk.

hcivic.com · 07-25-2003, 01:34 AM

no those only 10 are the other 8 came from the two cops that busted me each gave me 4 diffrent tickets the judge gave me probation lic so i could go to school and work the cops also agreed to the terms but i had to pay 3000 in fines

pissedoffsol · 07-25-2003, 01:41 AM

full coverage, $756 a year

Qwikcivic · 07-25-2003, 01:44 AM

Dam $756 a year! I wish. Where are u from? I pay $3600 full coverage for the year in N.Y.

pissedoffsol · 07-25-2003, 01:45 AM

sablo16 · 07-25-2003, 01:48 AM

Ha im in jersey i have like NJM which is supposed to be the lowest in the state...i have one at fault accident when i was 17 no ticket no point...i have no collision on my car n minimum coverage

The price for this wonderful deal u mite ask:

2750

Car insurance is bullshit...i would have to pay 7000 on a GSR w/ collision the insurance industry has a major bug up their ass

but thas all kewl cuz if i behave for 3 years my rates drop considerably

THEN ITS S2000 TIME MO-FO'S HAHAHAHAHA

Slo86GT · 07-25-2003, 02:13 AM

I got full coverage on both my cars for 600 every 6 months. No tickets, but I have an SR22 still on my record from the state of TN.

pissedoffsol · 07-25-2003, 02:14 AM

whats an sr22?

sounds like an airplane

Slo86GT · 07-25-2003, 02:18 AM

It's the financial responsibility "assurance" that has to be put on a driver's record when they get a DUI, Driving w/o insurance, or other major vehicular record.

I had "Drag Racing" as a charge against my record on every form from my insurance company since 1999.

**Loco Honkey** · 07-25-2003, 06:34 AM

Quote:

Originally posted by 2fastCRX@Jul 24 2003, 10:53 PM
Loco Honkey, who do you have your insurance with?

Progressive.

FWIW, the guy that traded me the AllTrac for my old Civic is 18, has two points, and was paying $360 a month full coverage. Now that he has my old '93 Si hatch, he's paying $400 a YEAR, full coverage.

Go figure.

Calesta · 07-25-2003, 06:40 AM

Quote:

Originally posted by pissedoffsol@Jul 25 2003, 12:41 AM
full coverage, $756 a year

That's what I pay yearly for full coverage on the Civic down here in Dallas...

07-24-2003, 11:57 PM	#7
SolPWR Senior Member Join Date: Nov 2002 Location: MA Posts: 924 iTrader: 0 / 0% Rep Power: 22	shit i pay $2700 in MA and im a step 14 __________________ Sold my sol to the devil!!! not really just a friend who thinks hes the devil Now driving Suzi, My 05 Suzuki Aerio SX

07-24-2003, 11:59 PM	#8
Havok Senior Member Join Date: Sep 2002 Location: Florida Posts: 6,824 iTrader: 0 / 0% Rep Power: 81	Jesus, wtf did you guys do?! I just went on my own insurance plan, 19 years old, and I pay 866.xx every 6 months for full coverage. __________________ My skin is singed but it heals my heart and with glowing pride I'll wear my scars. I'm honored by your hatred! She wanted love, I taste of blood. She bit my lip and drank my warmth from years before.

07-25-2003, 12:07 AM	#10
SolPWR Senior Member Join Date: Nov 2002 Location: MA Posts: 924 iTrader: 0 / 0% Rep Power: 22	im just getting fucked in the ass because my co. sux big balls and they say it has to be this high because im only 18. BULLSHIT __________________ Sold my sol to the devil!!! not really just a friend who thinks hes the devil Now driving Suzi, My 05 Suzuki Aerio SX

07-25-2003, 01:30 AM	#15
Slammed89Integra Senior Member Join Date: Oct 2002 Location: Washington Age: 21 Posts: 7,080 iTrader: 0 / 0% Ride: 2007 Scion TC, 2005 Suzuki GSX-R 600 Rep Power: 101	Soon in august I will be paying 1300 every 6 months for full coverage, but now I am uninsured so car doesn't move Being 16 and having an "Si" automatically makes you high risk. __________________ When this is all over I think we should get an apartment together.

07-25-2003, 01:44 AM	#18
Qwikcivic Senior Member Join Date: Nov 2002 Posts: 118 iTrader: 0 / 0% Rep Power: 14	Dam $756 a year! I wish. Where are u from? I pay $3600 full coverage for the year in N.Y. __________________ 93 Civic Si GSR swap AEM cai/Skunk2 I/M DC header/Thermal catback exhaust/Skunk2 short shifter Ground control coilovers Tokico Illumina's 15" rota slips w/mugen nuts


Welcome, Guest! Please Register or Login: User Name Password Members have access to more features, better search, and see fewer ads! It's free, what are you waiting for?

07-24-2003, 10:58 PM	#1
2fastCRX Senior Member Join Date: May 2003 Location: Concord, NC Posts: 456 iTrader: 0 / 0% Rep Power: 16	Basically, since I have had 2 speeding tickets and 3 accidents (1 was my fault) in the past 5 years, my insurance company, Allstate (they suck), is dropping me at the end of this month. They say I am an at-risk driver. So I got a quote from Geico and they will cover me for $1,150 every 6 months!! I then applied for other quotes online at Nationwide and Progressive. They won't cover me. So I figured that their might be some at-risk drivers on this site like me who had trouble finding insurance companies that would cover them. Do you guys have any advice or companies that might cover me? Thanks alot.

07-24-2003, 11:05 PM	#2
Loco Honkey Banned Join Date: Jun 2003 Posts: 3,657 iTrader: 0 / 0% Rep Power: 0	I have 12 points right now, and have had my license suspended because of excessive points (17), own a "high performance" turbo AWD car, am 25, live in Vermont, and pay $138 a month, liability. It'll drop in half at the end of this month when more points go off my record. FYI- DMV records = 2 years. Insurance records = 3 years.

07-24-2003, 11:11 PM	#3
djextremity Senior Member Join Date: Sep 2002 Location: in your rearview mirror..wait.. Posts: 965 iTrader: 0 / 0% Rep Power: 22	what state are you in?>

07-24-2003, 11:19 PM	#4
2fastCRX Senior Member Join Date: May 2003 Location: Concord, NC Posts: 456 iTrader: 0 / 0% Rep Power: 16	North Carolina.

07-24-2003, 11:24 PM	#5
hcivic.com Senior Member Join Date: Jan 2003 Location: Calgary Alberta canada Posts: 4,577 iTrader: 0 / 0% Rep Power: 57	fuck i pay 4400 a year for plpd liability

07-25-2003, 12:03 AM	#9
hcivic.com Senior Member Join Date: Jan 2003 Location: Calgary Alberta canada Posts: 4,577 iTrader: 0 / 0% Rep Power: 57	i got busted street racing and have 18 tickets now i kept my licence but have three years prob one ticket and its gone but in 7 mounths thats all gone away and i welcome back the world of cheap insurace

07-25-2003, 12:36 AM	#12
djextremity Senior Member Join Date: Sep 2002 Location: in your rearview mirror..wait.. Posts: 965 iTrader: 0 / 0% Rep Power: 22	None of you are being fucked over. Buying insurance you're asking a company to take responsibility if you ruin another person's property or health with your automobile, but you've proven to be unsafe and irresponsible and unrespectful of the laws which govern the use of said automobile? Of course they are going to want to try to make as much money off of you as possible, as it is almost a sure thing that sometime in the future, they will be giving it out to the people whose cars you destroy. On a sidenote, 2fast, I work in insurance here in CA. Your best bet is to search out a 'nonstandard' company--Allstate, State Farm, Farmers, those kinds of places are going to be way expensive. You have to go to one of the no-name kinds of ins places that you see on the side of the road with the $29 insurance signs. They'll sell you a policy from a no-name company that will be far cheaper than anything you can get from a big name. Also look into whether your state offers a subsidized type insurance program--CA has CAARP, which is VERY cheap for people who have trouble getting ins from other places. HTH

07-25-2003, 12:37 AM	#13
djextremity Senior Member Join Date: Sep 2002 Location: in your rearview mirror..wait.. Posts: 965 iTrader: 0 / 0% Rep Power: 22	Oh yeah, SolPWR, just wait, next year = like a 20% reduction for ya.

07-25-2003, 01:26 AM	#14
civicgirlracer97 Banned Join Date: Jul 2003 Location: GA Posts: 522 iTrader: 0 / 0% Rep Power: 0	I pay $550 every 6 months full coverage. Y'all need to slow down.

07-25-2003, 01:45 AM	#19
pissedoffsol RETIRED Join Date: Sep 2002 Location: Retirement Home Age: 28 Posts: 49,974 iTrader: 2 / 100% Ride: Electric Scooter Blog Entries: 1 Rep Power: 529	CT

07-25-2003, 01:34 AM	#16
hcivic.com Senior Member Join Date: Jan 2003 Location: Calgary Alberta canada Posts: 4,577 iTrader: 0 / 0% Rep Power: 57	no those only 10 are the other 8 came from the two cops that busted me each gave me 4 diffrent tickets the judge gave me probation lic so i could go to school and work the cops also agreed to the terms but i had to pay 3000 in fines

07-25-2003, 01:41 AM	#17
pissedoffsol RETIRED Join Date: Sep 2002 Location: Retirement Home Age: 28 Posts: 49,974 iTrader: 2 / 100% Ride: Electric Scooter Blog Entries: 1 Rep Power: 529	full coverage, $756 a year

07-25-2003, 01:48 AM	#20
sablo16 Senior Member Join Date: Mar 2003 Posts: 155 iTrader: 0 / 0% Rep Power: 13	Ha im in jersey i have like NJM which is supposed to be the lowest in the state...i have one at fault accident when i was 17 no ticket no point...i have no collision on my car n minimum coverage The price for this wonderful deal u mite ask: 2750 Car insurance is bullshit...i would have to pay 7000 on a GSR w/ collision the insurance industry has a major bug up their ass but thas all kewl cuz if i behave for 3 years my rates drop considerably THEN ITS S2000 TIME MO-FO'S HAHAHAHAHA __________________ I have 2 vices in my life....... I dont do drugs I dont drink Fucking bishes n maintainin' ma whip

07-25-2003, 02:13 AM	#21
Slo86GT Super Moderator Join Date: Sep 2002 Location: Memphis - Hellhole of the South Posts: 3,366 iTrader: 0 / 0% Rep Power: 46	I got full coverage on both my cars for 600 every 6 months. No tickets, but I have an SR22 still on my record from the state of TN. __________________ - Jody - 2004 Colorado ZQ8 - I5, M5, Regular cab - 209.9whp/210.7wtq 1986 Mustang GT - V8, M5 - 213.0whp/279.2wtq

07-25-2003, 02:14 AM	#22
pissedoffsol RETIRED Join Date: Sep 2002 Location: Retirement Home Age: 28 Posts: 49,974 iTrader: 2 / 100% Ride: Electric Scooter Blog Entries: 1 Rep Power: 529	whats an sr22? sounds like an airplane

07-25-2003, 02:18 AM	#23
Slo86GT Super Moderator Join Date: Sep 2002 Location: Memphis - Hellhole of the South Posts: 3,366 iTrader: 0 / 0% Rep Power: 46	It's the financial responsibility "assurance" that has to be put on a driver's record when they get a DUI, Driving w/o insurance, or other major vehicular record. I had "Drag Racing" as a charge against my record on every form from my insurance company since 1999. __________________ - Jody - 2004 Colorado ZQ8 - I5, M5, Regular cab - 209.9whp/210.7wtq 1986 Mustang GT - V8, M5 - 213.0whp/279.2wtq