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Thread: Insurance

  1. #1
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    Insurance

    So I'm in persuit of getting a 98+ F-body, so I have the horrible worry of insurance, mainly because I'm still 18.

    My record is clear, no wrecks, no dui's, and only one ticket(seatbelt).

    I plan on buying the car cash so I can put it on liability to hopefully ease the payments.

    Right now I'm with statefarm with my parents so that helps some, just wondering if being with my parents is enough? Would I be better to switch to a differnt company? Any chance of saving that way? Right now we get seperate bills.

    So my real question is: What do you guys pay insurance wise? Please include your Age, location, year of car, and type of coverage.

    Thanks. I'm really hoping he insurance won't be over 1,600 or so a year. Probalby a fool hardy dream?

  2. #2
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    21 with 2000 ws6, full coverage, no tickets or accidents, $650 a year.
    Kemper Auto ins.

  3. #3
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    Quote Originally Posted by Bigsword4 View Post
    21 with 2000 ws6, full coverage, no tickets or accidents, $650 a year.
    Kemper Auto ins.
    Damn man! Why so low? Just the company along with your record?

  4. #4
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    hey man..

    ill give you the REAL numbers... i am 21 i have a trans am .. clean record.. and my cousin works at the insurance company i go through... i got all discounts.. i live in texas and i have FULL coverage.. everything you can get and i pay 185 per month... thats realistic.. but you, on your parents insurance.. dirt cheap.. youll be able to afford it...

  5. #5
    KWK N NUF TheKitchenSink's Avatar
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    Keep a beater around and make yourself primary driver on that instead of the TA..thats what were doing around here along w/ a keeping a B average and its cheap..

  6. #6
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    Quote Originally Posted by TheKitchenSink View Post
    Keep a beater around and make yourself primary driver on that instead of the TA..thats what were doing around here along w/ a keeping a B average and its cheap..
    Not really feasible.

    I sold my 2000 F150 to my brother. My mom has an 07 mini, and my dad has an 06 escape. I don't have anything there that would be cheaper than the Camaro haha. This sucks :P

  7. #7
    1 BAD ASS BOWTIE StangKiller615's Avatar
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    Im 24 and have full coverage insurance (2001 Camaro SS)runs me around $125.00 monthly. I also have a clean driving record.

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    19, Texas, DWI(dropped, bogus charge and long story), one ticket for 6 over(also b.s., county road by my house but w/e, speeding is speeding) and zero accidents, $190 full coverage w/ allstate, get a $500 beater and claim that as daily driver, thats what i should do

  9. #9
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    I am in a very similar situation to you RainDownmyBlues

    18, state farm, clean record, good student discount, safe driver discount, and its on the same plan as my parents. $2500 year - full coverage. I live in chicago - the highest insurance in illinois. I know it will be cheaper down by you becuase my sister moved from chicago to champaign and hers dropped by like 1/3. So i would guess you will be under $2500 hopefully. But don't even dream of full coverage on your own plan. State farm told me $6500 a year for that.

  10. #10
    ArtistFormerlyKnownAsMac Silver Streak's Avatar
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    24, NC, FULL coverage on my '02 WS6 (highest limits of 100/300) and libility for the Camaro runs me $92/month with Allstate.... clean record for the last 6 years in Dec.. but 6years ago dec I had a license suspension for 16 days for speeding.. then had a few other ones before that for speeding, disordly conduct, etc.
    -Geno
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    Sold the other four f-bodies

  11. #11
    ArtistFormerlyKnownAsMac Silver Streak's Avatar
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    $6500 per year? I think its time to shop around for a new insurance company then! Damn!

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    Quote Originally Posted by KITTvsKARR View Post
    $6500 per year? I think its time to shop around for a new insurance company then! Damn!
    No thats not what i pay. Thats what it would be if i wasn't on the same plan as my parents.

  13. #13
    ArtistFormerlyKnownAsMac Silver Streak's Avatar
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    Right.. which is STILL insain!

  14. #14
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    Quote Originally Posted by 99blueZ View Post
    I am in a very similar situation to you RainDownmyBlues

    18, state farm, clean record, good student discount, safe driver discount, and its on the same plan as my parents. $2500 year - full coverage. I live in chicago - the highest insurance in illinois. I know it will be cheaper down by you becuase my sister moved from chicago to champaign and hers dropped by like 1/3. So i would guess you will be under $2500 hopefully. But don't even dream of full coverage on your own plan. State farm told me $6500 a year for that.
    Fuggin right. I'm about 70 miles south of champaign. I go there regularly actually to visit some of my pals.

    Anyway. I live in a town of about 13,000 so Hopefully that helps. Also My insurance company is State Farm as well

    Peacebro. Hopefully mine is decent.

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    Quote Originally Posted by KITTvsKARR View Post
    Right.. which is STILL insain!
    yep its mostly because i live in chicago. There are sooooo many kids with fast cars in my neighborhood - and they all crack them up. All the suburbs are cheaper, but the city is expensive.

  16. #16
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    2010 Camaro rs/ss

    Quote Originally Posted by RainDownmyBlues View Post
    So I'm in persuit of getting a 98+ F-body, so I have the horrible worry of insurance, mainly because I'm still 18.

    My record is clear, no wrecks, no dui's, and only one ticket(seatbelt).

    I plan on buying the car cash so I can put it on liability to hopefully ease the payments.

    Right now I'm with statefarm with my parents so that helps some, just wondering if being with my parents is enough? Would I be better to switch to a differnt company? Any chance of saving that way? Right now we get seperate bills.

    So my real question is: What do you guys pay insurance wise? Please include your Age, location, year of car, and type of coverage.

    Thanks. I'm really hoping he insurance won't be over 1,600 or so a year. Probalby a fool hardy dream?
    wouldn't even sweat it. You'll be fine.

  17. #17
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    Quote Originally Posted by hotrodd View Post
    wouldn't even sweat it. You'll be fine.
    Ok bro. haha. Let's hope so, but if you're wrong you're comming down to beat the insurance agents ass in person :P.

    Oh, and I'd still like to see some more figures.

  18. #18
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    Bump

  19. #19
    Senior Member JonB's Avatar
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    You should be able to stay under $1600 on your parents. On your own its not going to happen when I got my car at 18 I was paying $1300 for 6 months on my own policy. Now 3 years later and another company I only pay $700 every 6 months.

  20. #20
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    Quote Originally Posted by JonB View Post
    You should be able to stay under $1600 on your parents. On your own its not going to happen when I got my car at 18 I was paying $1300 for 6 months on my own policy. Now 3 years later and another company I only pay $700 every 6 months.
    Let's hope. I found a stealership that's willing to take my 2001 Caviler and 2,000: for a 98 T-top, leather, 6speed, all power options. Yadda yadda. basicly it sounds good. But I wanna see pics then a hardcore test drive. Is the LSD standard?
    Last edited by RainDownmyBlues; 09-29-2006 at 02:52 AM.

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