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Insurance??

Old 13-Jan-2009, 10:02 AM
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Insurance??

Hey y'all

I wanted to buy a 94-99 2 door integra as my summer car but right now I have a civic that I want to use as a winter beater but right now I'm only 19 and insurance is killing me I have a clean record but I wanted to know what was best insuring the integra AND civic or should I just cancel and renew my insurance seasonly

Btw is $250 a month for a 95 4 door civic lx expensive seeing as how I'm under my moms insurance I got some quotes also and its 360 on my own just for the civic
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Old 13-Jan-2009, 10:12 AM
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you need to suspend the insurance on which car you are not using. Canceling and renewing is to much hassel. I do the summer and winter car thing i think it cost me on $60 for the term the car is suspended. Unless the car is suspeneded for at least 30days you have to back pay. Say you only suspend the insurance for 25 days then reactivate it you have to back pay the 25 days.
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Old 13-Jan-2009, 10:40 AM
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so if i suspend the insurance it HAS to be more than 30 days or do you mean i have to unsuspend the insurance after 30 days or i have to back pay

how much is back pay?
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Old 13-Jan-2009, 10:45 AM
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250 and ur 19 not bad what coverage do u have for 250
im under my moms insurance company too i pay 306.XX and all i have is liability...and thats with 45% discount so i kinda consider myself lucky
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Old 13-Jan-2009, 10:51 AM
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one way dont really know much about insurance but my dad said "if you kill anyone youre covered anything else youre ****ed"

when i get my integra i want a bit more coverage cuz i know that that car gets stolen alot
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Old 13-Jan-2009, 10:56 AM
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yea u only have liabilty im turning 19 in may
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Old 13-Jan-2009, 10:58 AM
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so u have the same insurance as me basically to drive on ontario roads the ONLY type of insurance that is manadatory is liablity i htink u get 2 million dollars so if u kill someone ur ok but if u crash ur car and ur at fault, ur ****ed if a deer hits ur car and ****s up ur car (happene to me a month ago) ur ****ed if someone hits u ur ok but if ur insurance compnay finds out urs goes up so juss be careful when driving, thats y i tryto to drive on snowy days like today cuzz my tires are NO good and i cant afford to get in any accidents, not that i dont trust my self its other people...
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Old 13-Jan-2009, 10:59 AM
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its because we're young, just keep ur record clean and in time ur premium will go down,
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Old 13-Jan-2009, 11:04 AM
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thats true right now i only drive locally i havent touched the highway yet i know i dont suck at driving its just other ppl (example i wanted to make a left turn and the guy in a diff car gunned it but didnt make the light but that didnt stop him but thx God i was changing radio stations or i woulda been 6 feet under :S
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Old 13-Jan-2009, 11:08 AM
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if you cancel and renew good luck ever getting insurance again. Just change the car on the insurance when your using it.
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Old 13-Jan-2009, 11:12 AM
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Originally Posted by bengali548 View Post
thats true right now i only drive locally i havent touched the highway yet i know i dont suck at driving its just other ppl (example i wanted to make a left turn and the guy in a diff car gunned it but didnt make the light but that didnt stop him but thx God i was changing radio stations or i woulda been 6 feet under :S
yewah man and u see what happens when u get into accidents when ur between the age of 18-24...u tend to be at fault no matter what ahah sometimes...age discrimination is a bitch.
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Old 13-Jan-2009, 11:15 AM
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1) do i have to pay a fee for changing the car on my policy
2) if i wanted to insure the integra under my name and under a different insurance company cant i just suspend the civic?
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Old 13-Jan-2009, 11:16 AM
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Originally Posted by NOFEAR View Post
if you cancel and renew good luck ever getting insurance again. Just change the car on the insurance when your using it.
ur car looks sexy in ur avatar thats th black i want on my car what black is that
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Old 13-Jan-2009, 11:25 AM
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when i got my car, i wanted to go under my mom's name yet my brother had his car registered that way, so my brother was getting a new car anyways and his old car got sold and so we just transferred insurance over to my civic. you can just call them and tell them that you want to transfer insurance and you will be ready to go in 5mins. then they will send you new slips.
btw im turning 19 in july and i pay 170$/month only got liability on a 93 si coupe. im with TD and got clean record.
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Old 13-Jan-2009, 11:27 AM
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170! ur not the principle operator of ur car though r u?
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Old 13-Jan-2009, 11:31 AM
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so are you on your own or under your moms? and woow thats pretty good but im still sorta unclear...

when you transfer over the insurance are you paying anything for
a) transferring it
b) the civic

or is the civic completely uninsured and illegal to drive?
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Old 13-Jan-2009, 11:37 AM
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i called and transfered the insurance from my brothers civic which was owned by my mom over to my civic which is owned by my mom. i called and told them that my mom is getting another civic and that the other one is getting sold. so they just changed the info and i was good to go. they took the vin number/year/make/model. so i assume you just want insurance on that car just to get it home? so you can call and tell them that the integra is gonna be ur driver and civic is getting parked, then when u get it registered and what not call and say your civic is the dd and integra is parked. summer comes transfer over again. im almoust 100% that there is no transfer fee's again may be different with different insurance companies.

and im paying 170 as occasional driver.

PS B. when you transfer insurance on integra the civic can NOT be driver on the street since it has no valid insurance.
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Old 13-Jan-2009, 11:46 AM
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kk gotcha i was thinking about picking up the integra soon and store it in my garage for now but im going to give my insurace guy a call see what i can do but ya thx 4 the help tho
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Old 13-Jan-2009, 11:46 AM
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Originally Posted by scrid3r View Post
i called and transfered the insurance from my brothers civic which was owned by my mom over to my civic which is owned by my mom. i called and told them that my mom is getting another civic and that the other one is getting sold. so they just changed the info and i was good to go. they took the vin number/year/make/model. so i assume you just want insurance on that car just to get it home? so you can call and tell them that the integra is gonna be ur driver and civic is getting parked, then when u get it registered and what not call and say your civic is the dd and integra is parked. summer comes transfer over again. im almoust 100% that there is no transfer fee's again may be different with different insurance companies.

and im paying 170 as occasional driver.

PS B. when you transfer insurance on integra the civic can NOT be driver on the street since it has no valid insurance.
tjats wat i used to pay 160 but my borhter came back from trinidad and he was the principle operator on my car so i was temporary but he came and got a car so i had to go under my car as the principle operator and it jumped to 300
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Old 13-Jan-2009, 11:53 AM
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no problem bengali548. best of luck of you.
and civicEJ1 damn that sux. im still yet to get my full G. could have gotten that 5months ago and i was talking to my insurance guy and he said once i get it, the insurance will drop to 110$...
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