Here's the thing...
05-Dec-2002, 12:50 AM
#1
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Location: Scarborough
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Here's the thing...
Our family has 2 cars... 3 actually, but my older bro has his own insurance for his accord... Anyway, the other 2 cars is insured under Bel Air... One is an accord (dad's) and the other is a civic (mine)... Now he wanted to put me on insurance for my civic as a secondary driver and himself as the primary one (for price reduction purposes)... However, he is also the primary driver for his accord as well... The person from Bel Air whom he was talking to said that there can only be 1 primary driver for only 1 car, and not for 2 cars. And since my mom can't drive, I'd have to be the primary driver for my civic, which costs a lot more. Now is that true (by law) that my dad can't be primary drivers for BOTH cars? Or is the company just saying that so we have to pay more for no reason? So right now, the civic has no insurance because we're still debating whether it's worth it for me to just be the primary driver or not... Could someone help me out on this?
Thanks a lot...
Thanks a lot...
05-Dec-2002, 01:02 AM
#2
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unfortunatley it's true......i tried everything to get away from that
what i'd be wondering is what if you insure the car with a different company? can you make the adult the primary driver even if they have another car insured with a different company? it'd still be waay cheaper for me that way.....
05-Dec-2002, 01:35 AM
#3
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Yea, I was kinda thinking that too... that may be the only way... Would it be fraud or something if my dad didn't mention to the other insurance company that he's also a primary driver for another car??
The stupid thing is that if I were the primary driver for my civic, it'd cost me at least $2000 a year to insure an $850 dollar car (what I got it for). Crazy
The stupid thing is that if I were the primary driver for my civic, it'd cost me at least $2000 a year to insure an $850 dollar car (what I got it for). Crazy
05-Dec-2002, 02:31 AM
#4
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Originally posted by SilverSiG
what i'd be wondering is what if you insure the car with a different company? can you make the adult the primary driver even if they have another car insured with a different company? it'd still be waay cheaper for me that way.....
what i'd be wondering is what if you insure the car with a different company? can you make the adult the primary driver even if they have another car insured with a different company? it'd still be waay cheaper for me that way.....
05-Dec-2002, 02:29 PM
#5
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Posts: 1,707
dont get full coverage on your civic...if it only costs you 850 than just get the lowest insurance u can get....it will cost you less than 100 a month. Or buy a shitty car and put that under your name and than the civic can go under DAD.
EDIT...Oh ya i forgot i already tried to do the same thing as you and now iam paying 237 a month on my 95 coupe.
EDIT...Oh ya i forgot i already tried to do the same thing as you and now iam paying 237 a month on my 95 coupe.
06-Dec-2002, 03:58 AM
#6
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There's no way around these ******* insurance companies. My bro used to do that with his cars. We had 2 different companies and my dad was primary, yada yada.
Well now it's my turn and i don't love with my dad anymore, my parents are divorced. Yes you can own 2 cars and be primary on both, but not if there are other liscenced drivers in the household. It's just a big ******* excuse to make money. Insurance companies are given the rite to steal. They say under 25 is high risk blah blah. Well if people are getting so anally raped and can't afford insurance than how are they supposed to gain driving experience and become better drivers. Being 20 years old or whatever and having to ask your parents to borrow the car for the night is a ******* joke. Many young people can afford a shitty car, but it's the rip-off insurance that stops them.
Anyways, yes go with the cheapest coverage possible because if anything happens to the car, they're just gonna write it off anyways instead of fixing it. And there is now way you are getting primary driver insurance for $100 or so month. Try $250-400, on a 4th gen Civic. I was quoted $310/month from that Randy guy's firm to drive an '89 Pontiac Bonneville. Cheapest quote so far, but it's still a rip-off.
PS: I've heard premiums are being raised 30% after the new year.
Well now it's my turn and i don't love with my dad anymore, my parents are divorced. Yes you can own 2 cars and be primary on both, but not if there are other liscenced drivers in the household. It's just a big ******* excuse to make money. Insurance companies are given the rite to steal. They say under 25 is high risk blah blah. Well if people are getting so anally raped and can't afford insurance than how are they supposed to gain driving experience and become better drivers. Being 20 years old or whatever and having to ask your parents to borrow the car for the night is a ******* joke. Many young people can afford a shitty car, but it's the rip-off insurance that stops them.
Anyways, yes go with the cheapest coverage possible because if anything happens to the car, they're just gonna write it off anyways instead of fixing it. And there is now way you are getting primary driver insurance for $100 or so month. Try $250-400, on a 4th gen Civic. I was quoted $310/month from that Randy guy's firm to drive an '89 Pontiac Bonneville. Cheapest quote so far, but it's still a rip-off.
PS: I've heard premiums are being raised 30% after the new year.
06-Dec-2002, 05:11 AM
#8
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Originally posted by Promoking
And there is now way you are getting primary driver insurance for $100 or so month. Try $250-400, on a 4th gen Civic. I was quoted $310/month from that Randy guy's firm to drive an '89 Pontiac Bonneville. Cheapest quote so far, but it's still a rip-off.
PS: I've heard premiums are being raised 30% after the new year.
And there is now way you are getting primary driver insurance for $100 or so month. Try $250-400, on a 4th gen Civic. I was quoted $310/month from that Randy guy's firm to drive an '89 Pontiac Bonneville. Cheapest quote so far, but it's still a rip-off.
PS: I've heard premiums are being raised 30% after the new year.
But then again I'm over 25
06-Dec-2002, 12:47 PM
#9
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******* insurance ***********, we must do something. Seriously, wtf is this SCAM. They are litterally ripping us off. Poor college students, i'm working 4 ******* days a week just to pay for my ******* car, and still have to have good grades in college. The insurance rates are destroying my LIFE!!!!!!!! ******* ****, i'm so pissed off. How come all other provinces pay MUCH less insurance ???? We need to make a MASS lawsuit, all of us, wtf this must be stoped.
06-Dec-2002, 05:35 PM
#10
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Location: Scarborough
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Damn, glad I'm not the only one who thinks insurance companies are only there to extort money from people...
Thanks for all the advice and input guys... Guess I'm gonna have to shop around and find the cheapest coverage for now... I love my car and hope to be able to do a lotta things to it in the future, but it's just unbelievable that I gotta pay so much just to cover it when it's not worth all that much anyway... I guess it's the age factor that comes into play as well...
Thanks for all the advice and input guys... Guess I'm gonna have to shop around and find the cheapest coverage for now... I love my car and hope to be able to do a lotta things to it in the future, but it's just unbelievable that I gotta pay so much just to cover it when it's not worth all that much anyway... I guess it's the age factor that comes into play as well...
11-Dec-2002, 07:26 PM
#11
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everything u guys are sayin is rite like its totally unfair for the insurance to rape our asses with these high priced crap.
But they cant do to much either you see alot of people run scams on insurance and claim this and that, stupid drivers behind hte car get into accidents, etc etc,,, so there isnt MUCH they can do about this. And since the accident rate is much higher in the early years of LIFE thats why the premiums are aswell. And ofcourse a single person cant be the PRIMARY driver of TWO cars when he or she has a full family (well unless there are some exeptions) but if they took in mind those exceptins then everyone else would say the same thing and then insurance company woudl go bankrupt so there is nothing they can do.
But they cant do to much either you see alot of people run scams on insurance and claim this and that, stupid drivers behind hte car get into accidents, etc etc,,, so there isnt MUCH they can do about this. And since the accident rate is much higher in the early years of LIFE thats why the premiums are aswell. And ofcourse a single person cant be the PRIMARY driver of TWO cars when he or she has a full family (well unless there are some exeptions) but if they took in mind those exceptins then everyone else would say the same thing and then insurance company woudl go bankrupt so there is nothing they can do.
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