GuNmETaL_Si

Hey...I just bought a '98 Civic Si...no Insurance yet though...my dad is willing to put me on his policy, but its still a lot, like $6000/year! Im 19 with a G2 (G next month) EVen with him as primary and me as secondary...its still a lot, Is there any technical way I can get cheap insurance under my dads policy? grrrrrr

OverKill

1) Shop around, get different quotes
2) Claim "casual driver" status
3) Sell the 98, get something a little bit older
4) Wait till you are older.

Never understood how insurance got so high all of a sudden.. I was 19 bombing around in a camaro and my insurance was only $2200.00 per year.


Regards,
OK

GuNmETaL_Si

[QUOTE]Originally posted by OverKill_Si

3) Sell the 98, get something a little bit older

Do you want me to shoot you? LOL, Youre right...I should get somethin older, but its kinda late now. I already started the financing on this thing (Shoot me)

how many years till i cant get half decent rates? I hope not 25 years old. :-(

GuNmETaL_Si

Best quote im finding is $2200 a year...and thats as the secondary driver :-(

Mugen C

Well, my agent told me because all "Honda" cars, especially "Civic" are relatively higher risk vehicles.

Besides that, my agent also told me the following:
1.Honda cars are very popular to car thefts,
2.Cost more $$$ to fix,
3.Some Civic owners are not behaving themselves, which cost insurance company so much $$$ to paid for the loss.

regards,
Mugen C

GuNmETaL_Si

L O L ...Those are all true points...damn all you people who ruined it for us nice responsible civic drivers :-)

OverKill

*sighs* and I thought I was paying to much.. Oh wait, who am I kidding.. $68.50/month isn't a whole lot.

That is FULL converage and they know about the modifications to the car too.

Yes, it IS 25 before you will get the best rates, after that its whenever the tickets expire off your insurance record (3 years from date of issue).

Regards,
OK

GuNmETaL_Si

damn overkill...$**/mo is REALLY cheap! Im guessing your over 25? Dangit...Im only 19, insurance=too expensive

I CANT WAIT UNTIL Im 25 :-) Only 6 more years...

Hydro

If you know someone close out of province you can put it under there name, i just turned 20 and i'm paying 600$ a year for full coverage on a 97 si, and like it was stated above state that you drive as a casual.

GuNmETaL_Si

WTF...$600, I dont know ANYONE out of this province Why does that work like that though? Isnt that the same as being a secondary driver under someone elses policy IN this province? Is there a way I can 'scam' the insurance company legally without knowing anyone out of ontario?

Hydro

6000$ a year sounds crazy, is that under you fathers name? or yours?

GuNmETaL_Si

$6000 is me by myself...under my dads name its $2200...i guess thats the best i can do for now till im 25...insurance blows. hehe...at least the insurance isnt more than the actual car...lol

racin chick

Okay guys I'm not advertising for these people, I have just had really good experience with them calle the first one if you don't have a clear record otherwise the second may be better here goes!
two brokers: Nancy Nasu @ John Duffy Insurance 905-479-2013 (I am with them now since I got my insurance dropped because I no longer had a perfect record) or the first people (charged me $156/mo when I had my G2 perfect record and a 91 isuzu impulse) Stroud Meadwell Mowat and Fennel (Broker company name) (905) 668-3579. And let me know how you make out!

If anyone else is looking send them here I've pmed this info twice and this is just easier!
Kari

imported_please3mta3

what you should do is have the ownership transfered to your dad. so, he'll be the owner of the car. since you are 19 you are considered an adult. you should change your mailing/living address to a friends house or a relative. get your dad to buy insurance for the car for himself without a 2nd driver or occational driver. the insurance covers anyone that your dad gives permission to drive who doesn't reside in the same household. so, since you don't "technically" live at home, your dad gives you permission to drive the car and you don't have to pay the increased premium. the only drawback is the address change and you will lose your insurance experience.

GuNmETaL_Si

Thats WHAT I DID!!!! and i didnt even mean to do it!!!! i dont live with my dad...everything just fell into place...but your right...when it time for me to get insurance on my own...im still fuc#ed...ahhh well that wont be for a while

Thanks!

imported_please3mta3

glad to be of help. i used to be an insurance broker, so i know a few loop holes.

imported_sketch

actually sean ...
once you hit 25 .... regardless how many years experience you have insured ... your rates will still be very cheap compared to the way they are now .... you think you have it bad .....
me being under my father already is costing me up the ****!
just to make you feel a little better the price for me as a second driver is just a little over $8000 yes thats 3 zeros.
and im driving a 4 dr civic unlike your coupe im currently looking for a new solution ...... found some good ideas in here ... thanks guys

imported_sketch

BTW ..... do insurance companies tend to trace where you had previous insurance ? ... like if i had a minor fender bender and didn't tell them when asking for my quote will they look into it ?

imported_please3mta3

they always check. if you've made a claim within the past 6 years, it's on record. so there's no point in not telling them. obviously if you've fixed the car yourself you wouldn't tell the insurance company. speeding tickets go away in 3 years. accident claims go away in 6 years.

GuNmETaL_Si

thx for the INFO please3mta3...very informative, I cant wait till Im 25 LOL...Im glad to hear that your rates are good when youre 25 regardless of past incedents.

hey sketch...why dont you do what i did? the same thing please3mta3 suggested. Its in this same post a few replies up