After 3 years with no points...

[PBodyGT87]

I AM SO HAPPY.

My insurance was nearly cut in half. I just got the renewal forms today. Granted, I only have liability, but the first year I was paying over 1500, then the second year over 1600, the third went back down to 1500, and then the fourth year is..... *drumroll, please*


813 and 91 cents. A year. Beautiful. Dirt Cheap for me, i think.

[BigAls87Z28]

Awesome!! Now you gotta save up for the LS7 swap.

[PBodyGT87]

Originally Posted by BigAls87Z28

Awesome!! Now you gotta save up for the LS7 swap.

Paintjob first.

[NJSPEEDER]

congrats liz!

[BigAls87Z28]

Meh.....500hp mid engine car, coming in at a killer 2600lbs, maybe.
Id say eff the paint.
As for the paint....InfaRed.....

[Savage_Messiah]

congrats

[PBodyGT87]

Originally Posted by BigAls87Z28

Meh.....500hp mid engine car, coming in at a killer 2600lbs, maybe.
Id say eff the paint.
As for the paint....InfaRed.....

Al we alread talked about infared. Too expensive. 3 stage paint. Ugh.

[GP99GT]

sonic blue!

[qwikz28]

flat black

[WayFast84]

the spray paint that looks like a chalk board!! NICE JOB! Pretty soon you will be paying 700 a year like me

[Knipps]

yeah i pay like 900 w/ 2pts but my car's in my dad's name

[BigAls87Z28]

Cheater....
Primer black Fiero with the flames on the trunk.

[enRo]

WTF I've been driving for 4 years, no points, and im still paying $2600 / yr


2.8L FTW

[qwikz28]

Originally Posted by BigDaddyKane

WTF I've been driving for 4 years, no points, and im still paying $2600 / yr


2.8L FTW

time to switch insurance carries homefry

[PBodyGT87]

Originally Posted by WayFast84

the spray paint that looks like a chalk board!! NICE JOB! Pretty soon you will be paying 700 a year like me

I'm on my own insurance. Not my mothers. Totally separate company, and the car title is in my name. One day, you will learn how hard it is.

[PBodyGT87]

Originally Posted by BigDaddyKane

WTF I've been driving for 4 years, no points, and im still paying $2600 / yr


2.8L FTW

That's how much my brother pays for the same car. It's only because you're a guy. Doesn't that suck? Yeah. It sucks.

[enRo]

Originally Posted by qwikz28

time to switch insurance carries homefry

I did already, I went from First Trenton, paying $4850 /per/ 9 months (3 month rest period) to Geico, paying only $1300 /per/ 6 month ... that was a HUGE savings itself, but wtf?!

[V]

my denali is 1200 for full coverage, and any additional car is 280 for liability only for the year.

[Savage_Messiah]

swap in an ls7

[WayFast84]

Originally Posted by PBodyGT87

I'm on my own insurance. Not my mothers. Totally separate company, and the car title is in my name. One day, you will learn how hard it is.

My mom made a deal with me, as long as Im in school(any school) she will pay insurence, shes a little conserned about me dropping out or something I guess

[enRo]

Originally Posted by Savage_Messiah

swap in an ls7

TT LS7 FTW

[Tsar]

Originally Posted by WayFast84

My mom made a deal with me, as long as Im in school(any school) she will pay insurence, shes a little conserned about me dropping out or something I guess

well if u dont even pay for your **** then u have no reason to speak in this thread, go back under your rock mamas boy.

[PBodyGT87]

Originally Posted by WayFast84

My mom made a deal with me, as long as Im in school(any school) she will pay insurence, shes a little conserned about me dropping out or something I guess

Consider yourself lucky. I never had my parents pay for my insurance. I had to get a job when I was 16 just so I could build up enough money to pay for it when I started driving at 17. You're lucky you even have a car at the age you are that is already insured. But seriously, if you don't start paying for it yourself sooner, you might have a tough time adjusting when you get older and move out of your parents house and you're not on mom's insurance anymore. Your car is only 700 bucks because it's not your mom's primary driving car. When peopel have several cars under the same insurance, one is listed as the primary car, and the rest can be added on at a much cheaper cost per year. Hence, your car is not your mother's primary car, therefore it has been added on to her insurance at the low cost of 700 bucks a year. Now, when you start driving, because the car is not in your name, you are what they call "the secondary". You don't own it, your mom does, which would make your mom "the primary" driver. Now because you're young and a new driver with a sports car, and a male, they will most likely tack on more money to the cost of your insurance, because she basically added another driver (that's you) to the car. And then it wouldn't be 700 bucks anymore. Ah, but you're not driving it yet, so thats why it's cheap.

And I bet she has full coverage, which is more expensive. But she's also been driving for a long time too. More experience and less or no points makes your rates lower. I have only had my car for 3 years. In those three years I've paid as much for my own car on Liability only, that my friends pay for full coverage on their cars while under their parents insurance. And I've got news for you. My brother has pretty much the same exact car as me, and he has the same exact insurance company as i do, and he pays almost TWICE AS MUCH. Try 2700 a year. For liability. And it's only more expensive for him because they charge more for guys than they do for women.

Let me explain for you how Liability and Comp and Collision work. Liability means that if i get in an accident, it only pays for the other guy's car, not mine. Any damage costs to my car has to come out of my own pocket. Full coverage (aka comp and collision, with the liability) will pay for damages to the other car AND yours. Liability is the minimum. And look how much Phil has to pay for his car. And his car is close to the same year as yours, his is an 86. If you were to pay your own insurance it would be almost as expensive as Phil, or if your lucky, close to what I used to pay (1500 to 1600 a year). Full coverage would cost about 3000 a year. Please understand that I have every right to be excited that my minimum coverage insurance was cut in half, because I am the one who pays for all of it. You're car isn't in your name. But when it is, and when you have to pay your own insurance on your own company separate from mom's, you'll see, it's not that easy. Pay your own insurance, and then talk to me. You have to understand that I don't have the luxury of being on my parents insurance. Not trying to rag on you, no hard feelings, just trying to give you the bigger picture, and the reality check.

[WayFast84]

I know, you dont think I work my ass off doing **** they pay illeagle mexicans to do? I work my ass off for $5 an hour to pay for my car, everyone thinks the whole car was givin to me and my mom pays every cent, in reality, my mom bought the car for me as a gift $450 gift, my birthday present, early -graduation present, confirmation present and christmas presnt thats the only thing I will not pay off eventually, I payed for ALL of my mods, except the nitrous, wich I was short about $150, I saved up every penny I could, I still do. the only things I couldnt pay for were the paint job and the transmision, and the trans I didnt even need...But yeah I know what ur saying, and I cant wait to pay off my car, trust me!

[Ian]

I bet if matt's firebird was on his own policy it would be more expensive than phil's. young male with a V8 rwd coupe. thats the worst insurance rate you can get.