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Insurance on my 95 civic.. help please

Old 10-Jul-2009, 01:43 AM
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Insurance on my 95 civic.. help please

just bought me my first car.. i have my g2 with driving school. im 18 and in brampton.
gots a 1995 honda civic cx hatch

ive gotten so many quotes way too high..

TD has been the best so far $308 a month...
does anyone know where i can get it cheaper
heres what ive been saying..


$750 car value / 2500 kms driven a year / 5km daily to work / driving school.

help me out and please refer me to any companies or brokers that might be cheaper.. thanks.
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Old 10-Jul-2009, 04:19 AM
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If thats on your own with full coverage, that seems to be pretty good. I started off paying $306 when i 1st got my car and insured on my own full coverage but i had lived in Jane and Finch so thats why it was high. It all depends where you live and what car it is. Your model is one of the top reported stolen vehicles claimed to Insurance companies. Also when you get your full G license it will go down and aswell when you reach 25yrs old.

Here is another example of what mean, i was paying last year $182 with 2 speeding tickets. I moved to Ajax and now im paying $91 cause of location, thats half of what i was paying.
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Old 10-Jul-2009, 08:44 AM
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2500km a year? My Dad's classic get's driven on weekends and only when it's nice out and he easily passes that many kilometers haha is there a zero missing off of that number. Unless you really worked it out at 5km/day x 5 days x 52 weeks lol in which case that's not realistic.

Other then that if your quote is for full coverage and on your own, it is reasonable.
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Old 10-Jul-2009, 10:32 AM
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That's about right for a 18 year old with only there G2 and with it under there name. I don't even pay that much for all 3 of vehicles on the road.
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Old 10-Jul-2009, 11:05 AM
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Thats better then mine I gotta say. Im a primary driver of an Integra and Im 17, turning 18 in a few weeks.

308 is good if its full coverage. Mine is 470. Apparently I live in a high theft rated area.
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Old 10-Jul-2009, 11:13 AM
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Jebus!.. I have 4 cars and 2 ATV's insured and I dont pay that much for all of them.

but that does sound about right for your age and G2..


If you can, try to put the car under your parents name, and insure you as a second driver of it.
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Old 10-Jul-2009, 11:16 AM
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I tried that. That was my idea from the beggining when I bought my car. But if theres 2 drivers in the house and 2 cars, you have to be a primary driver for one apparently.
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Old 10-Jul-2009, 11:41 AM
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Try PC Financial. I remember when I was looking for quotes I called at least 10-15 companies and they were noticeably cheaper than the rest. Good luck !
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Old 10-Jul-2009, 11:48 AM
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Originally Posted by mcitylove View Post
just bought me my first car.. i have my g2 with driving school. im 18 and in brampton.
gots a 1995 honda civic cx hatch

ive gotten so many quotes way too high..

TD has been the best so far $308 a month...
does anyone know where i can get it cheaper
heres what ive been saying..


$750 car value / 2500 kms driven a year / 5km daily to work / driving school.

help me out and please refer me to any companies or brokers that might be cheaper.. thanks.
you drive 2500 km a year?? Thats wrong but anyways....

$308 is pretty good. I'm assuming that is just for one way coverage. You said you were in school... did you let them know that when you called for quotes, a student usually means a discount. Do you have accidents? tickets? Cause if you do thats gunna effect you since you really have no driving experience.

did you try state farm?? they have an additional discount exclusive to state farm for young drivers with clean record
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Old 10-Jul-2009, 01:12 PM
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i would poop a brick if I had to pay more than $200/m in insurance.
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Old 10-Jul-2009, 02:10 PM
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called a few brokers.. they week 600 a month or more

state farm quote - $544 monthly
bel air again - $424 monthly
caa - $424

im in brampton, 18, no insurance, just liability now.. student means nothing..
looks like td's 309 a month is the best..
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Old 10-Jul-2009, 03:35 PM
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Wow that sucks for kids trying to have there own cars these days. It only costs me $150 to insure both of my cars. Have you tried going under your parents insurance as a part time driver??
That would probaly cut your rate in half.
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Old 10-Jul-2009, 04:55 PM
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Originally Posted by mcitylove View Post
called a few brokers.. they week 600 a month or more

state farm quote - $544 monthly
bel air again - $424 monthly
caa - $424

im in brampton, 18, no insurance, just liability now.. student means nothing..
looks like td's 309 a month is the best..
ACTUALLY student does mean something... unless you have an average less then 70%... in most cases there is a work around so you can get that discount, driver training is also a discount

PM me your info and I'll get a quote done for you, I doubt state farm is $544/month for just liability unless you have tickets and/or accidents
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Old 10-Jul-2009, 07:49 PM
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Closed until futher notice.
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Old 11-Jul-2009, 10:09 AM
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Thread re-opened as seller still wants more advice with his question below:

"help me out and please refer me to any companies or brokers that might be cheaper.. thanks. "

Please stay on topic
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Old 11-Jul-2009, 10:14 AM
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If you go under you parents insurance like a few people have said on here, you will say a **** load of money each month and in the long run untill you are at least 20.
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Old 11-Jul-2009, 10:26 AM
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Originally Posted by spike View Post
If you go under you parents insurance like a few people have said on here, you will say a **** load of money each month and in the long run untill you are at least 20.
yep, even if ur the primary driver on the car, your insurance will be a lil cheaper just cause the ownership isnt under your name. i saved over $100/month by doing that. (male, under 25, scar/markham, 2dr civ)

also, would you really need full coverage? is the car worth it? look into getting liability only.
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Old 14-Jul-2009, 05:41 PM
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Originally Posted by CURIOUS View Post
Try PC Financial. I remember when I was looking for quotes I called at least 10-15 companies and they were noticeably cheaper than the rest. Good luck !
PC Financial doesn't do car insurance anymore, check out their website, if you click car and home insurance it says that they're no longer offering their services....

Your benefit to going under your parents is that they may qualify you for a better rate.

You would benefit from their driving experience even though you are still the primary driver on the vehicle because it's the entire household that's looked at. As opposed to when you go on your own and they're only rating for yourself.
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Old 14-Jul-2009, 07:09 PM
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TD wins again....heheheheh

$300 is a good rate for your age.

Last edited by Trybal; 14-Jul-2009 at 08:12 PM.
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Old 14-Jul-2009, 08:01 PM
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I would advise against the put in parents name and just go on as secondary driver scenario. Its all good until you have a wreck and the insurance adjuster looks at your file. Lets see, two cars and two licenced drivers. Unless the owner of both of those cars stipulates that you NEVER drive either one of those cars you must be primary on one of them. I know the rates suck but we all went through it when we were younger, so if you want to drive your own car, and we all do, you will pay quite a bit until you age and get some clean driving experience.

Pat.
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