insurance question on an ls1 TA

[boobs]

i was wondering if anybody knows how much insurance would be for me when and if i get a TA.. im 15 and im fixing to get my liscense here pretty soon..

the reason im asking is bc i was wanting a 600cc sportbike but insurance on that would be $300+.. i changed my mind to get a 4th gen TA possibly with ws6.. now i beleive we are on state farm with me on a 250 ninja right now paying at around $100 for insurance.. possible numbers for me in a TA would be eccellent.. thanks

[aPerfectTransAM]

its gonna be high..... its hard to say exact numbers.

[Bombhunter]

Get yourself a good beater car, learn to drive first and get a few years under your belt before you get a WS.6.

Kids don't need WS.6's...

[boobs]

Get yourself a good beater car, learn to drive first and get a few years under your belt before you get a WS.6.

Kids don't need WS.6's...

ive driven my brothers TA and i think its the most comfortable car ive ever driven.. ive driven alot of cars but the TA really did it for me..

[Hot Black Trans-Am]

The WS6 is alot higher for insurance than a base TA. Just put the ram air hood on later. It will pay for itself in insuance savings! Just don't get busted doing stupid crap. I just hope you have a good job to pay for it all.

[boobs]

o thats wat i was wanting to do was buy the regular TA w/o the ws6 on it then add on later.. TAs with the ws6 on it already are more expensive to buy too.. and my step mom and my dad are paying for it. hopefully..

[tbone1471]

Male, 22 years old, no tickets or accidents, college and safe driver discounts. Allstate 9986.00 yes the decimal is in the right spot. this is full coverage. Ended up putting it in my mothers name and it is something like 600 a year with me as a driver.

[00\/\/S6]

im 24, squeaky clean record, have a 2000 ws6 and a 1999 silverado z71 and i pay about $2,500 a year FULL coverage.Thats for both cars, 12 months each.

[boobs]

so aslong as i get one that dosent have the ws6 im not lookin at too much?? btw they are on multiple policies and i was wanting the automatic tranny.. do colors change the insurance either?

[SailorZ28]

25 male, married, USAA. 320 for 6 months full coverage on a 99 Z28.

[boobs]

25 male, married, USAA. 320 for 6 months full coverage on a 99 Z28.

thats only bc ur 25 or over.. it really dont matter to me as long as its cheaper than a crotch rocket with was 300 a MONTH..

[TheKitchenSink]

Did the same thing as Tbone, im 19 w/ an 01 Trans Am WS6, put it under my dads name and im the secondary driver and listed as primary on our 96 jeep cherokee. He told me i didnt wanna know how much it was if I was listed as primary so I left it at that.

[boone94]

Unless your parents are going to buy your T/A, just get a peice a junk and save for one. I pay $340 a month w car payments on top of that and with my last wreck im sure my insurance is going to go up some more. (full coverage)

[boobs]

good idea kitchen dude. lol ill talk to my dad about these ideas.. thanks a bunch ladies..

[easyericvan]

I'm 19 with a clean record and I pay $225 a month with State Farm.

[boobs]

225 a month is a helluva lot better than 350 a month for a streetbike

[1 badblack transam 01]

Male, 22 years old, no tickets or accidents, college and safe driver discounts. Allstate 9986.00 yes the decimal is in the right spot. this is full coverage. Ended up putting it in my mothers name and it is something like 600 a year with me as a driver.

Yes when you check the homeowners box it lowers insurance completely... parents name.

[Bombhunter]

so aslong as i get one that dosent have the ws6 im not lookin at too much?? btw they are on multiple policies and i was wanting the automatic tranny.. do colors change the insurance either?

If you are getting an automatic, why even bother with a WS.6...come on kid...think about it...

[boobs]

how about u think about it.. there is not one person in this world that can shift a 6 speed faster tahn and automatic tranny..

[BIGRED Z]

i was wondering if anybody knows how much insurance would be for me when and if i get a TA.. im 15 and im fixing to get my liscense here pretty soon..

the reason im asking is bc i was wanting a 600cc sportbike but insurance on that would be $300+.. i changed my mind to get a 4th gen TA possibly with ws6.. now i beleive we are on state farm with me on a 250 ninja right now paying at around $100 for insurance.. possible numbers for me in a TA would be eccellent.. thanks

No one can answer this question. Take 10 people with same record, age etc and come up with way different answers.

Basically at your age, you would be on your parents policy. Rates are based on age, driving record/experience, where you live (crime rates, particulary stolen vehicle stats) your parents driving history as well as their credit history. There's more actually, but this is enough to give you the picture.

Chances are, when they get wind of what it's gonna cost, they'll shoot you down unless they're loaded. If you were able to manage to get your own policy, I'd bet your insurance rate would be more than your car payment.

Young unmarried males are in the highest paying category for insurance premiums based on stats that say this group is the most expensive to insure (in damage payouts as well as crash reports.) Your best bet is to call state farm and ask. If and when you get your own policy, plan to sit down for an afternoon with your friendly yellow pages.

Make sure you know what your coverages need to be as well as your deductibles, that way you're comparing apples to apples. The higher your deductible, the lower your premium. But remember, the deductible is what you have to pay out of pocket before your insurance pays up.

Coverages will be different as you age and aquire property, real estate etc. As a young person who owns nothing, minimum state requirements will suffice. Homeowners, on the other hand, need to structure their limits to protect their assets in the event of a judgement against them. If any of this confuses you or creates more questions than answers, do some research on the topic. It will save you thousands over your lifetime.

Lori

[boobs]

ok remember guys i already have a motorcycle liscense so do u think that would help out when i turn 16 and end up with nothing on my record?

[BIGRED Z]

ok remember guys i already have a motorcycle liscense so do u think that would help out when i turn 16 and end up with nothing on my record?

It won't hurt you, but it won't help you either. Until you fall into a different demographic, ie turn 21, get married, or become female, you're stuck with the highest premiums charged. Keeping a squeaky clean record is expected. It won't score you any brownie points. But if you do get a ticket, wreck, DUI etc, they will rape you hard.

Lori

[easyericvan]

If you make good grades you can get a discount at State Farm and driver ed helps too. I don't think having a motorcycle licenses will help. A TA would be a tough learning car, but what do I know I'm a pothead.

[BLKbandit98]

WS6 or not, and car in the class of a trans am is gonna set ya back a mile for insurance. My friend was quoted at $3500 a year for a 98 trans am.

[Hot Black Trans-Am]

WS6 or not, and car in the class of a trans am is gonna set ya back a mile for insurance. My friend was quoted at $3500 a year for a 98 trans am.

He must have a really bad driving record!

[boobs]

:sulk: damn.. ill probably get an iroc-z

[BIGRED Z]

He must have a really bad driving record!

Not necessarily, a friend of mine age 20 was quoted that and his record is spotless. Not all the quotes were that high, he ended up with State Farm for 200 a month for WS6 and a jeep. It went down some when he turned 21.

Lori

[Hot Black Trans-Am]

That's some crazy insurance prices! Iroc's with Big Blocks stuffed in are really fun!:burnout:

[speedaddict]

I have 1 speeding ticket, 23 yrs. old, no wrecks. I have an 01 ws.6 I pay $2040.00 per year or $170 per month with $250 collision deductible and a $50 comprehensive deductible. When I first got my car it was $220 per month or $2640.00 per year .It went down considerably when I turned 23. My ex wife, now back together (dont ask) pays around $250 per month for a damn 01 civic with no tickets and 1 wreck! Ain't that some shit?

[ScrapMaker]

I have a 2000 WS6, and the insurance was GOING to be $4,000 a year by myself, with no tickets on my record. Age 21.

I created a policy with two cars, a 1990 Buick Century, and my WS6. I put that I drive the buick the most, and he drives the WS6 the most... the WS6 is the 'pleasure' vehicle, and I don't drive to school or work.

I got it for $2,000 for the whole year.

and to keep the flames rollin'... MOST people can't switch the 6speed fast enough/accurately enough to make their times faster... but it IS more fun to most people...

I drive rush hour all the time and a 6spd was out the question... now I sorta wish I had it because it just gives you more control, and I really don't care if I would be slower...

[ScrapMaker]

oh yeah, and I have FULL coverage, including theft and uninsured

[speedaddict]

The automatics tend to loose power in the driveline, If you know how to drive, the manual 6spd will usually post faster quarter mile time than an auto.

[hatws6]

dude you got a 250 ninja that is way too much for insurance thats barely even a sport bike i have a 954RR under my dads name and he is a high risk driver and its like 980 a year i have a WS6 2000 under my name and i pay close to 220 a month right now with one speeding ticket and a wreck i also have a truck but its a piece that i drive every day so who cares by the way i just turned 20 i will be checking around the next couple weeks on what kinda deals i can get with them both in my name.... look into state farm for bike insurance and if you can put that under your parents... these are both full coverage by the way also

[Hot Black Trans-Am]

When I get really old and can't lift my left foot then I'll think about an auto, but not before that! Anyone can shift a M6 faster that a stock A4 they are so slow soft shifting that you can nap between gears :tired:

[redline]

not if its built right.

[Hot Black Trans-Am]

I know that, but talking stock. Most people don't get them built. Although the factory M6 shifter sucks! I thought I was rowing a boat at first. I think some trucks have shorter shifters. I had to order the pro 5 in the first week of buying the car.

[ScrapMaker]

stock, my tranny shifts pretty damn hard... the only car that I've felt shift harder is the bmw

[_JB_]

It does not matter if it's a WS6 or not, the VIN comes up as Formula/Trans Am.
I'm 20, not tickets or accidents, 1000 deductibles= about $300 a month for full coverage.

[ScrapMaker]

it would be more than silly to get the policy under soley your name and actually pay $300 a month... clearly you would get it under someone else's and pay like $150

[WhiteLs1]

Get yourself a good beater car, learn to drive first and get a few years under your belt before you get a WS.6.

Kids don't need WS.6's...

:true:

[boobs]

dude you got a 250 ninja that is way too much for insurance thats barely even a sport bike i have a 954RR under my dads name and he is a high risk driver and its like 980 a year i have a WS6 2000 under my name and i pay close to 220 a month right now with one speeding ticket and a wreck i also have a truck but its a piece that i drive every day so who cares by the way i just turned 20 i will be checking around the next couple weeks on what kinda deals i can get with them both in my name.... look into state farm for bike insurance and if you can put that under your parents... these are both full coverage by the way also

im paying 105 a month on the shity two fiddie.. if i were to get a bigger bike it would be more like 300 -400 bucks a month..

[ScrapMaker]

funny thing is, I didn't wreck any car until I got my WS6!! haha... I hit a curb :( no appearance damage, but wow suspension work is expensive...

[_JB_]

it would be more than silly to get the policy under soley your name and actually pay $300 a month... clearly you would get it under someone else's and pay like $150

Werd, since your parents are paying for everything. My 88 GT vert would have been almost $900 for 6 months pl/pd, but we put it under my dad's name and I paid $35 a month.

[ScrapMaker]

oh, well my parents don't pay for anything, I give them the money for the insurance... but at least it's half the cost

[white/blue99ta]

I had 3 tickets and one accident (even though it wasnt my fault it still goes against me) and im 24 not married and pay 195 with florida no-fault full coverage.

[ErikElvis]

not gonna help u any but I pay $2200 a year for a 05 Hemi Ram and a 02 SS. I had a little rice rocket before I moved out of the parents and it was always under my moms name. Thats the only way to do it when your young. oh and im 25

[ScrapMaker]

I had 3 tickets and one accident (even though it wasnt my fault it still goes against me) and im 24 not married and pay 195 with florida no-fault full coverage.

fyi, if it's not your fault, it CAN'T be used against you...

unless you got screwed in some uninsured motorist fiasco... or a hit-and-run...

also, they can't use it against you if your car was parked somewhere, and someone hit you and left...

[Ws6shane]

I pay like 900 a year for full coverage which is less than my 2002 v6 mustang convertible, which i had for 6-7 months. I now have a 1999 trans am, but im listed as driving a 1991 single cab ranger as my primary. Oh and im 16

[hrsepwrfrk]

im 20, live in FL, have an OK record no big accidents or anything just a speedin ticket and stop sign violation, and i pay 220 a month for full coverage on my 98 T/A with geico...god i love that little gecko...allstate and progressive both quoted me over or near 500$ PER MONTH

[boobs]

im 20, live in FL, have an OK record no big accidents or anything just a speedin ticket and stop sign violation, and i pay 220 a month for full coverage on my 98 T/A with geico...god i love that little gecko...allstate and progressive both quoted me over or near 500$ PER MONTH

fuuuuuuck that bro.. 500 a month is for people that want a ferrari.. damn.. thats waaaay too mcuh.. but we have state farm and its farely cheap i guess..

[ViperBite4]

Dude your 15, insurance is going to be insane for you! I remember I was your age and thats all that I wanted, a firebird. I had to have my own insurance policy and it would of cost me over $350 a month to insure (i dont remember the exact figure, it was just too insane).

Good luck to ya and remember an a4 is not as fast as an m6

[ScrapMaker]

Good luck to ya and remember an a4 is not as fast as an m6

the argument could go on forever... but they aren't THAT different... and you can build up the a4 to be much faster/reliable.

[redline]

but dumping the clutch looks so cool!

[Wyoming T/A]

at your age you are probably looking at 2000 to 3000 a year if you are lucky .ws6 or not probably not a lot different,go for the ws6 the first time .here is mine;;99 30th anniv T/A

[ScrapMaker]

uh, at age 21... the cheapest I could find was from some no-name online insurance company... UNITRIN DIRECT...

I got my 2000 WS6 for $2000 a year, complete full coverage, $250 deductible. I opted out of towing and rental car, however.

Now with the SAME COMPANY, but without my father listed as the primary driver, my insurance was going to be $4500! I have no tickets, and no wrecks.

I tried progressive's site, as well as Geico... both were over $6,000 a year for the same coverage...

So I can personally recommend Unitrin Direct.. the aren't well known.. but I recently caused $3000 worth of suspension damage, from hitting a curb, and they actually covered everything... so it's not just some scam company...

[boobs]

damn.. thats insane.. i gotsta get me a job damnit.. im gonna go talk to some motorcycle shops here in about a week or so and hopefully get one..

[_JB_]

My insurance has come down quite a bit now, I paid $1250 for 6 months now.

[caseyWS6]

just don't get any speeding tickets cause your insurance co will go ape shit, last year I went over the 3 tickets in 3 years rule and I had to go to high risk my insurance was doubled.

[ScrapMaker]

when I signed up for my $2000/year plan... the single ticket on my record made no difference...

[Silver Streak]

I'm 24.. insured with Allstate with my Camaro and my '02 WS6(Full coverage highest levels for the '02 and liability now for the Camaro as I don't drive it now) I'm paying $664 every 6 months. Thats with a clean record for the last 5 years, but a few speeding tickets and a 16 day suspension before that. So I can't complain.. and when I sell my Camaro (hopefully trading it to a guy for his '82 T/A) it will drop to $450 every 6 months.

As to the auto vs 6-speed... I REALLY was leaning to the 6 speed... but here in Jacksonville, NC the marine traffic is HORRIABLE and no one knows how to drive.. but found the same '02 WS6 black t/a with 38k miles.. but they were asking 26k for it... fuck that... I got my auto for 18k plus tax, tag, and 36,000 mile warranty.

[99blueZ]

how about u think about it.. there is not one person in this world that can shift a 6 speed faster tahn and automatic tranny..

Im 18 with a '99 LS1 Z28. I was 17 when i bought the car and my parents were nice enough to let me put it in their name. We have full coverage and I am the secondary driver. It saves so much - there is no other way to do it. We have allstate - I have no tickets or accidents (i think thats a mirracle at my age with an LS1) and the i have the good student discount. It is $2400 a year for my car under my parents name. (They have clean records too) If i was the primary driver it would have been something like $7000 a year.

As for that transmission get a 6spd. You can shift a 6spd faster than an A4 goes. Automatics have less rwhp than a 6spd. Also i think a 6spd is way more fun - for burnouts and racing. Go ride in a A4 then a 6spd and tell me which is more fun. And the A4 shifts sooooooo slow. You will be cruising all the time if you buy a T/A and the A4 will get boring.
Also since i assume you are in high school everyone thinks that a manual is so badass. All the retarded people that get into your car are like "how does this work" Since most teenagers are losers and drive their parents car or something that they think is cool (like a grand am) get a manual. My parking lot at school has about 350 cars and i know of 3 that are manual. One is me, then another '99 Z28 and then a '01 mustang GT.

:drivin: 6spd for life!

[Musclefan21]

l have a 97 LT1 formula and l am 23. l pay 100 bucks a month. by the way l ma married and never wrecked, never got any ticket.. clean record.

[Musclefan21]

As for that transmission get a 6spd. You can shift a 6spd faster than an A4 goes.

man, nobody can shift as fast as auto in 6 speed.. l always say hands down 6 speed, more fun more power but about shifting.. auto never misses gear and shift smooth and fast!

[ScrapMaker]

man, nobody can shift as fast as auto in 6 speed.. l always say hands down 6 speed, more fun more power but about shifting.. auto never misses gear and shift smooth and fast!

and if you build up the auto, there's no chance in hell the standard can keep up...

there's a reason why almost every drag racer perfers automatics..

but I still wish I had a 6speed just for the fun factor... plus when I'm rolling at like 80mph on the highway and some crappy Cobalt SS comes up and wants to race... I wanna stomp them instead of only slightly beating them... the auto just isn't geared right for that :(

also... those super-charged Cobalt SS' are somethin' fierce... lemme tell ya... although when we punched it at 80, I pulled on him the whole time, and once we hit 100, I was pullin way past him cuz his tiny motor starting to wuss-out... but still... a 6-speed, I could have dropped it into 4th and just taken off...

[Musclefan21]

and if you build up the auto, there's no chance in hell the standard can keep up...

there's a reason why almost every drag racer perfers automatics..

but I still wish I had a 6speed just for the fun factor... plus when I'm rolling at like 80mph on the highway and some crappy Cobalt SS comes up and wants to race... I wanna stomp them instead of only slightly beating them... the auto just isn't geared right for that :(

also... those super-charged Cobalt SS' are somethin' fierce... lemme tell ya... although when we punched it at 80, I pulled on him the whole time, and once we hit 100, I was pullin way past him cuz his tiny motor starting to wuss-out... but still... a 6-speed, I could have dropped it into 4th and just taken off...

l didnt say nothing about A4s are slower or faster.. l just said autos shift faster.. fastest shifter cant shift as smooth as auto and as fast as computer.

also, at 80mph, l would have dropped to the 3rd:yup:

[ScrapMaker]

if you drop to 3rd, then won't you be at like 5k rpm anyways? seems like a waste if you have to immediately shift back to 4th... seems that you'd be better off tossin it to 4th

[perkdaddy08]

Don't list yourself as primary on the car do it as secondary. I have a 2001 Formula NHRA edition and I am 16 and it is $220 a month full coverage with state farm. Also kids can have fast cars. I mean I have a full-bolt on ls1 with ported heads and a custom ground cam and I drive the car everyday and go to the track just about every weekend and run it on motor and on the kit. So I dont want to hear young people dont need fast cars. I guess I'm just an exception and I am a highly skilled mofo.

[perkdaddy08]

Well you wouldn't have dropped to third with 4:10 gears. And if you did 5k wouldn't be too high especially if you spin your car to 6800 like me!!!

[SeVeReDiStOrTiOn]

but I still wish I had a 6speed just for the fun factor... plus when I'm rolling at like 80mph on the highway and some crappy Cobalt SS comes up and wants to race... I wanna stomp them instead of only slightly beating them... the auto just isn't geared right for that :(

also... those super-charged Cobalt SS' are somethin' fierce... lemme tell ya... although when we punched it at 80, I pulled on him the whole time, and once we hit 100, I was pullin way past him cuz his tiny motor starting to wuss-out... but still... a 6-speed, I could have dropped it into 4th and just taken off...
Dude you should know your car better then that by now...if you have to go from a high roll make it inbetween 50-70mph. Otherwise the tranny will be in a "dead spot" and not downshift.

[SeVeReDiStOrTiOn]

As for that transmission get a 6spd. You can shift a 6spd faster than an A4 goes. Automatics have less rwhp than a 6spd. Also i think a 6spd is way more fun - for burnouts and racing. Go ride in a A4 then a 6spd and tell me which is more fun. And the A4 shifts sooooooo slow. You will be cruising all the time if you buy a T/A and the A4 will get boring.
Also since i assume you are in high school everyone thinks that a manual is so badass. All the retarded people that get into your car are like "how does this work" Since most teenagers are losers and drive their parents car or something that they think is cool (like a grand am) get a manual. My parking lot at school has about 350 cars and i know of 3 that are manual. One is me, then another '99 Z28 and then a '01 mustang GT.

:drivin: 6spd for life!
Stalled auto:drivin: ....nough said

[Musclefan21]

if you drop to 3rd, then won't you be at like 5k rpm anyways? seems like a waste if you have to immediately shift back to 4th... seems that you'd be better off tossin it to 4th

with T/A. if l am gonna race and l am at 80 mph. l would definetely drop to 3rd and jump. l can drive T/A up to 100 mph in 3rd gear (maybe a little bit less).. well l would drop to 3rd l dont know other guys..

[ScrapMaker]

Dude you should know your car better then that by now...if you have to go from a high roll make it inbetween 50-70mph. Otherwise the tranny will be in a "dead spot" and not downshift.


well I was driving on the highway at 80mph when the cobalt inched his way up to me... I'm not gonna immediately slow down to 60, then start racing him... doesn't work like that...

but definitely a 6speed would help in a situation like that...

[SeVeReDiStOrTiOn]

well I was driving on the highway at 80mph when the cobalt inched his way up to me... I'm not gonna immediately slow down to 60, then start racing him... doesn't work like that...

but definitely a 6speed would help in a situation like that...
Why not? Stick your hand out the window and motion to slow down...if he wants to run then he'll do it.

[04goatinmass]

Male, 22 years old, no tickets or accidents, college and safe driver discounts. Allstate 9986.00 yes the decimal is in the right spot. this is full coverage. Ended up putting it in my mothers name and it is something like 600 a year with me as a driver.
wtf why so high/i can get like five t/a cars if not more insured.can u say rip off.

[scws6]

$510 a year for me. Homeowners will drop 20% off your car rates.

[ScrapMaker]

that's why you just have the car in your parent's names.... (insurance-wise)

[eddielb]

Yea im putting my trans am in my moms name with me as a driver and it's going to cost me 800 full insurance through all state 20 years old no tickets/accidents (that have been put on my record! lol)

[boobs]

lol i think im goin for the lt1 now.

[Zboner]

yea my ls1 is on my mom's name, it only costs me 1,200 a year for full coverage, no tickets or accidents

[boobs]

whats ur insurance company man.. thats cheap.

[Zboner]

i think liberty or something fuck i have no idea man, i can check when i go to lunch for ya though

[boobs]

alright thanks.

[Zboner]

no problem man, i love how cheap it is, fuck my corsica was 800 a year just liability when i was 16/17

[boobs]

lol for me at state farm its probably gonna be about 250 a month but who knows.

im payin 105 a month for my streetbike right now

[Zboner]

dude thats a lot of money

[ScrapMaker]

the cheapest insurance I could find was Unitrin Direct... on my 1990 v6 firebird, I paid $1000/year for liability... my father listed as main driver, and a secondary car that I was listed as driver to get multi-car discount...

then when I got my 2000 WS6... it jumped to $2000 full coverage... if I was the only one on the policy, it was going to be $4,000...

I got quotes from Progressive and Geico, and even with my father as the primary, it was going to be over $3,000... those guys sure as hell aren't cheap...

[boobs]

ya and my streetbikes only a shitty two fiddie ninja.. LOL