Sutton

hey guys, can anyone help me here? im looking for a cheaper quote for my 95 cx. my latest quote is 581 a month with 200,000 liability, but works out to 650 a month with 1 million. this quote was provided from Larry Grummett Insurance Brokers, in Hanover.

4 "minor tickets"
1 "major ticket"
1 accident, not claimed, all of this happened roughly a year ago.
Im 18 years old turning 19 in april. i know, its really bad, but im not in the same boat. any input would be great, thanks guys.

marker

You're being quoted $7,000 a year on a 10-year-old car in a location far, far away from the GTA?

Does that quote at least include collision and comprehensive? Naw, 10-year-old car, probably not...

There is something to be thankful for - you're not trying to get insurance as a resident of the GTA. Then again, in the GTA you at least have the option of going without a car and using local transit systems instead.

With that driving record, you;re looking at surcharge on surcharge. You might be able to do a [b]bit[/i] better if you shop around, but I don't think you have a snowball's chance in hell of gettiing anything substantially cheaper.

It may be time to sell your car and borrow mom's car for the next 3 or 4 years while you try to repair your driving record.

imported_starboy869

It looks like your one ticket away from losing your drivers license point wise.

Sutton

chris, thats basically true, but mommy wont let me drive her car, and i basically need a vehicle to commute, i live out in the country and its my only means of transportation. that doesnt include collison and compreshensive. its bare minimum requirements, but thanks for the help anyways guys

Nova_Dust

If you go under your mother's vehicle as a secondary driver, I think her rate will get affected, too? Though you will be paying the difference, but that is a hassle she probably doesn't want.

How about getting a really beat up beater and drive that instead? Not driving a Civic might help a little.

Sutton

ya my mom kinda wants to stay out of it, it was my screw up but i learned from my mistakes, but i still have a long 2 years for my tickets to clear up... im currently pricing some beaters for now ( couple of older cavaliers, even a 89 dodge omni hahaha) but ill see what happens

marker

Two years to go? Maybe for some of the surcharges...

A major ticket can affect your rates for 5 or 6 years from date of conviction, depending on the insurance company.