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wtf? $500 a month for a 1993 honda civic cx?

Old 06-Oct-2011, 07:13 PM
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wtf? $500 a month for a 1993 honda civic cx?

hey guys

i just bought a 1993 honda civic cx

im 21 male

GM2 (got my g1 when i was 16/17)

clean record ive only ever got parking tickets (and when i had my old car i got a "muffler being too loud" ticket and a "tint being too dark" ticket (neither had demerit points) and 2 demerit point tickets on my motorcycle (both which are being fought so they shouldnt show on my record yet and ONE not at fault accident

i called wawanessa insurance and wanted to insure the car under my name and they said its 500 bucks a month......

i paid 700 for the car as a winter beater wtf there must be a loop hole or a mistake or SOMETHING

btw im trying to avoid insuring under my parents due to issues so i need a workaround
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Old 07-Oct-2011, 07:43 AM
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Where do you live?

Also, don't put full coverage on the car, just liability.
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Old 07-Oct-2011, 08:03 AM
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OP you've been a member here for a while. Should know how insurance works if you have a civic. lol
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Old 07-Oct-2011, 08:24 AM
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plus lines on your record mean as much or more to your insurance as points.
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Old 07-Oct-2011, 08:46 AM
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Originally Posted by MPR View Post
Where do you live?

Also, don't put full coverage on the car, just liability.
its 500 bucks for 2 mil liability thats it... (stupid wawanessa). i asked someone else and they said that body parts are more expensive to fix than car parts so insurance is cheaper with more safety equipment and i live in scarborough on the border of pickering (i know the gta is the worst but could i tell my broker im from pickering? im legit on the border)

Originally Posted by D.T.P View Post
OP you've been a member here for a while. Should know how insurance works if you have a civic. lol
ya i had a 99 civic before i was paying 330 under my mom when i had my g2

now i have my GM2 plus a car that 6 years older than my 99 and im STILL paying out the ***?

also, I was talking to my "bro-ker" and he was telling me how I don't need to be a secondary driver. Cops only care if the vehicle is insured and not the driver?


So I can drive the car and if I get pulled over I just say the primary driver gave me permission.

I just wanted to know your oppinion on this because i trust your word over his

i only need the car insured between october to april AT MOST and even then id be riding my bike on all the nice days

Last edited by bengali548; 07-Oct-2011 at 08:49 AM.
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Old 17-Oct-2011, 02:08 PM
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goto TD insurance and not wawanessa
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Old 17-Oct-2011, 03:31 PM
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Originally Posted by bengali548 View Post
hey guys

i just bought a 1993 honda civic cx

im 21 male

GM2 (got my g1 when i was 16/17)

clean record ive only ever got parking tickets (and when i had my old car i got a "muffler being too loud" ticket and a "tint being too dark" ticket (neither had demerit points) and 2 demerit point tickets on my motorcycle (both which are being fought so they shouldnt show on my record yet and ONE not at fault accident

i called wawanessa insurance and wanted to insure the car under my name and they said its 500 bucks a month......

i paid 700 for the car as a winter beater wtf there must be a loop hole or a mistake or SOMETHING

btw im trying to avoid insuring under my parents due to issues so i need a workaround
this actually surprised you?

Let's look at your 'clean' record...

Muffler ticket
Window tint ticket

Those do help increase the price.

So, you have 2 tickets that are on your record. You do NOT have a clean record and are a higher risk driver compared to those who actually have a clean driving record.

Don't buy a civic if you don't have to pay through the roof for insurance.
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Old 17-Oct-2011, 05:09 PM
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$500 a month? Wow.
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Old 18-Oct-2011, 10:20 PM
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Well yes, you can drive the car without being insured on it, but if you get into an accident, i believe the primary gets involved also...though dont quote me on that.
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Old 19-Oct-2011, 03:47 PM
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Originally Posted by D.T.P View Post
Well yes, you can drive the car without being insured on it, but if you get into an accident, i believe the primary gets involved also...though dont quote me on that.
driving a car with no insurance is about the stupidest thing anyone can do
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Old 21-Oct-2011, 02:41 PM
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Quite costly yes miss_Jess
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Old 21-Oct-2011, 05:02 PM
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im 29 been driving for 10yrs. clean record. have a family and house and im payin 110$m for 93 cx. it doesnt make any sense to why anyone would charge us that, its all a cash grab. everything about driving is...
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Old 23-Oct-2011, 03:03 AM
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Originally Posted by miss_jess View Post
driving a car with no insurance is about the stupidest thing anyone can do
So are you saying if i was to "borrow" your car, i would be driving illegally? No... so its the same idea.
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Old 23-Oct-2011, 11:33 PM
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Originally Posted by D.T.P View Post
So are you saying if i was to "borrow" your car, i would be driving illegally? No... so its the same idea.
im really not sure what you are trying to say
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Old 03-Nov-2011, 10:29 PM
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Originally Posted by miss_jess View Post
im really not sure what you are trying to say
lol cuz ur dumb
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Old 03-Nov-2011, 11:18 PM
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Originally Posted by chillenlikeavillain View Post
lol cuz ur dumb
cool.
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Old 03-Nov-2011, 11:18 PM
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Originally Posted by miss_jess View Post
cool.
if you think so
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Old 09-Nov-2011, 04:40 AM
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Originally Posted by D.T.P View Post
Well yes, you can drive the car without being insured on it, but if you get into an accident, i believe the primary gets involved also...though dont quote me on that.
This is true and probably ur best option
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Old 11-Nov-2011, 10:07 PM
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lo what a thread haha. if you said you have 2 point on your motorcycle would that not affect your entire gm2 licence? your insurance comp. can see the point on your other vehicle and that will apply to your insurance. IM also 21 driving a 4 door se and im at 170 a month got my full g two years ago and only have a ticket for 15 over. the tint and muffler ticket shouldnt affect your insurance, i have 2 licence plate tickets issue tickets one i will admit was my fault but my compan said i only had one ticket affecting myinsurance
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Old 12-Nov-2011, 03:43 AM
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Originally Posted by devingodard View Post
lo what a thread haha. if you said you have 2 point on your motorcycle would that not affect your entire gm2 licence? your insurance comp. can see the point on your other vehicle and that will apply to your insurance. IM also 21 driving a 4 door se and im at 170 a month got my full g two years ago and only have a ticket for 15 over. the tint and muffler ticket shouldnt affect your insurance, i have 2 licence plate tickets issue tickets one i will admit was my fault but my compan said i only had one ticket affecting myinsurance
wrong
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