why are 5th gen preludes expensive for insurance?

[r3ckless]

hey guys.... was considering manual vtir ludes... just wondering why theri so expensive in bloody insurance..... jsut car quoted me 2500. (btw i had a 6 month suspension from speeding taken into account)

[MWAKU]

2 door sports car?

[r3ckless]

2500 is turbo territory.

[yourfather]

i just did a quote with my details with bingle.com.au

my price was 976 for the year.

maybe you are a young shit driver living in cabramatta

[mrwillz]

lol luc

try putting insurance under a parents name

[Manabir]

it goes on driver history, age, gender and location aswell as what the car is.

me: 99 vtir lude, 25, no licence suspentions, no at fault claims, living in boronia SE melb, suspension mods, kit, stereo, $1200
me mate: 97 vtir lude, 24, lost licence 3 times (once demerits, twice street racing), 1 at fault claim, living in ringwood (about 4 suburbs from me), no mods, just a tad over $3000

but then another example.
when i moved here from bendigo (central vic).
living in bendigo and being under 25 my insurance was $1200...moved to melb it went up to $2000...turned 25 and it went down to $1200.
$800 jump cause melbourne has a higher risk of accident or theft than central vic.

and are you male or female?
they typically charge more for men as we are more likely to have an accident. apparently.

so.....how old are you, where are you, whats ya driving record like and are you male or female?

[Brash22]

(btw i had a 6 month suspension from speeding taken into account)

This is your reason. Just cars charged me less than half that when I was with them. Their initial price when I was 19 was $1200

[r3ckless]

21 this year, just the one suspension for speeding. living in 2170. (sydney) .yeah well looking at preludes as a run around while i wait till end of the year till i start looking at 350z...looks like insurance takes that away.

[94vtirozguy]

it also helps if people check with insurance companies before they purchase their cars, this way you can work out if you really can afford to drive that type of car.

[dwn_boi]

hey guys.... was considering manual vtir ludes... just wondering why theri so expensive in bloody insurance..... jsut car quoted me 2500. (btw i had a 6 month suspension from speeding taken into account)

try ING, just cars will kill ur life in excess

600 excess
650/600 sex excess
900 (coz it falls under more likely to be stolen or written off)

ING is 1800 for me and only 1200 excess, instead of just cars which is 2300 and 2150 excess

[pzr]

I noticed the same thing when I was looking for insurance at the end of last year. I ended up going with AAMI cause my parents are with them as well.

I'm 21 (22 in a few days), Rating 1, No crashes, Done the AAMI safe driving test and pay around $875. I also get a bit of a discount because my parents are with them as well.

This is for a 97 vti-r prelude.

[r3ckless]

it also helps if people check with insurance companies before they purchase their cars, this way you can work out if you really can afford to drive that type of car.


wtf is this meant to mean??? i havnt got the car yet, hence this is why i got a few quotes for different cars.

[yourfather]

you should be in the mates that talk shit thread.

[migoreng]

$850 comprehensive for me with just car.
if someone hits me...no issues...i get my car fixed...

if i'm at fault..excess is nearly $3000...
i only drive to work and home...hardly go anywhere else/never park anywhere dangerous...i'm a very alert driver..chances of me sideswiping/rear ending someone? never...

=_=

[r3ckless]

you should be in the mates that talk shit thread.

LOL..here we go again, r u f*ing dislillusional? ...... how am i talking shit.. better justify ur response u nooob.

[Ero_Sennin]

i was insured with aami for 1200 with excess of 900

[NaChOs]

insurance is expensive not doubt about it.. My insurance was the same bro dw

[Manabir]

LOL..here we go again, r u f*ing dislillusional? ...... how am i talking shit.. better justify ur response u nooob.

ignore him....he is an idiot and always shit talks in the prelude section.
try to use an "ignore it and it should go away" approach.

[Petronas]

if i'm at fault..excess is nearly $3000...
=_=

WTF... How does this work... :confused: :thumbdwn:

[rbk_212]

WTF... How does this work... :confused: :thumbdwn:

hes got a low premium because he has a massively high excess, its a risk but it can pay off if you dont have an accident

[TonyD]

I'm a 20 year old student who lives in a high risk melbourne suburb, and I'm with Western QBE (ie: ING, most Credit Unions, etc use them) and I pay $2300 a year premium. However I have an excess of $700 should anything happen.

When I looked at JustCar I had a premium of $1400 but an excess of close to $3400. I went with QBE lol. Smarter option I thought.

[HaiiSon]

I'm a 20 year old student who lives in a high risk melbourne suburb, and I'm with Western QBE (ie: ING, most Credit Unions, etc use them) and I pay $2300 a year premium. However I have an excess of $700 should anything happen.

When I looked at JustCar I had a premium of $1400 but an excess of close to $3400. I went with QBE lol. Smarter option I thought.

WOW insurance is expensive for preludes o.O
Have you tried putin ur dad's (or any1 thats been driving along time) on your insurance as main driver, and you as the second driver who only drives "a few" times a week?

[TonyD]

Yeah I did try that, but there were two reasons why I couldn't do it:

1) I took out a loan on the car, and when they saw that it was financed under my name but my dad was the primary driver, they queried it and denied it.

2) I've established my driver history. Having yourself as a secondary driver means you have to wait two years before going up one rating. I'm already Rating 3 at 20, most of my mates are still Rating 5 because they've never insured their own car.

[koj]

im 22 and i am with cgu, sydney inner west, 750 per year and 650 excess.

with justcar i got quoted 1600 for renewal and about 2k excess.

[dwn_boi]

whats cgu?? what do they cover and is that full comp?

[Manabir]

oh my god...you really are a dumb arse blonde bimbo arent you?!?!?!

your in a thread about insurance, someone mentions that they are with cgu at ### price and you ask what cgu is? um...its a fast food joint. der.

http://www.cgu.com.au/cgu/cgu/home.do

[r3ckless]

^^ lol.

ummm nah i want the car to be insured under my name...i think ludes are out of the question, and i think i'll keep my eye on the prize; 350z

[dwn_boi]

oh my god...you really are a dumb arse blonde bimbo arent you?!?!?!

your in a thread about insurance, someone mentions that they are with cgu at ### price and you ask what cgu is? um...its a fast food joint. der.

http://www.cgu.com.au/cgu/cgu/home.do

are you ****ing alright in the head gronk?? GRR i wish i could see u in person and stomp on u coz i bet ur a lil pathetic KEYBOARD COWBOY fukwit i was merley asking what company it was and what they cover (mods etc and if they have things like windscreen excess and hire car) i know its insurance u faggit u need to lay of the blonde jokes its getting fukin old and annyoing go bak to ur faggit filled prelude aus site and stop harrassing me u dud pOs.

[Manabir]

BAHAHAHAHAHAHAHAHAHAHAHA...........

that is all.

[gumus89]

Lol, didnt you get banned from PA dwn_boi?

You'd have to have a pretty good reason to get banned there, this one user causing trouble for ages hasnt been banned yet. (beach, not RT)

[kleo]

i think just car is really expensive too.. haha last time i just played around and checked how much it cost to insure a Holden Astra 3 door and was quoted like almost 3k. haha I think it really depends on your age, sex, etc etc that the rest of the guys mention.

Like mrwill or yf said, just put it under your parent's name and you as secondary driver. That's what i did with my lude.

If you can't put insurance under your parent's names then i suggest getting a quote for a different car and see how you go. I'm thinking of getting another car only after 25 for cheaper insurance too.

[kleo]

oops just read your above post. =_= was too distracted with the keyboard warrior skills in this thread. my bad.

[Manabir]

Lol, didnt you get banned from PA dwn_boi?

You'd have to have a pretty good reason to get banned there, this one user causing trouble for ages hasnt been banned yet. (beach, not RT)

accusing a moderator of being a pedifile when his job revolves around children usually does that.

[koj]

whats cgu?? what do they cover and is that full comp?

maybe we can meet up and you can see my pds?

[dwn_boi]

Lol, didnt you get banned from PA dwn_boi?

You'd have to have a pretty good reason to get banned there, this one user causing trouble for ages hasnt been banned yet. (beach, not RT)

i was merely stating the obvious, the mod is a fagg and he always spoke of younger boys, so one day when he was rudely butting into my conversations and started sticking up for one of the younger BOY members i just told him the only reason he is giving me shit and sticking up for him is coz he likes lil boys, lol not my problem its true, he shouldnt be allowed near them!

he just got cut thats all i dont care that site didnt help me with my car as much as ozhonda does, those ppl on pa just bitch all the time lol, go back to that stupid forum now and guarenteed someones talking about DWN BOI lol i know u miss me faggs...

plus it was just ppl from his state that are the main gronks, that mods a dud and had it in for me from the start. he infracted me twice in a row for saying sumthing, then 2 mins later i seen he posted something similar and was talking shit about me so i contacted another mod who reversed my infractions and infracted him instead. so there!! lol










ANYWAY back to insurance I'd have to say that so far my best experiance is with ING and their pay-by-the-month is quite reasonable, way more than Just Cars! Also if you pay an extra $45 a yea it protects your no claim bonus (i soooo reccomend this as when i had an accident, no-one deemed at fault, my insurance went up $300!!) so always protect ur no claim bonus its worth it!

[Luder88]

Guys, what's happened in the past has happened. Lets just move on.
Look, I'm not on anybody's side here but from my p.o.v I believe nikki is still copping it even when she hasn't done anything to provoke others.
I'll just leave it as that :)

[kleo]

is it cos she's a girl?

[Mel_Honda]

Ive lost my license twice & ING wont insure me now...
Just car WILL charge you that much for insurance, thats exactly how much im being charged and i started my insurance with them before i lost my license... Preludes are more to insure.. especially if you have Vtec.

[Typhoontimmy]

Epic gay, just insure it under you parents name. If your a serial hoon such as myself, insurance is always gonna be a ****.

[Manabir]

they are...me mate with a dodgy driving record who pays WAAAAAAY too much for insurance just bought a 07 fully optioned euro lux and it costs less to insure. the car costs about double the lude but it is cheaper to insure?!?!

[dwn_boi]

They are only so expensive because they are a coupe and at higher risk of being in an accident or being stolen. When you insure with JustCars they have an added extra payment of $900 because they fall under that catagory..

My best policy is with ING $1800 and $1200 excess.

[Vuey]

just for the fun of it , i just did a quote to insure myself for a 1998 Prelude VTIR and got quoted $351 a yr with a $1200 excess . I am over 25 with a very good history and live in south west Sydney .

[dwn_boi]

is that full comp and what company?

[yourfather]

LOL..here we go again, r u f*ing dislillusional? ...... how am i talking shit.. better justify ur response u nooob.

hey I just noticed this.

dude with "newcomer" calling other people noob.

hahaha

[Vuey]

pay as you drive insurance .

my S2000 is insured for $45,000 for $780 a yr !!!

[dwn_boi]

pay as you drive insurance .

my S2000 is insured for $45,000 for $780 a yr !!!

how much are u driving a year? i doubt this will b good for me lol i drive 100km a day mon-fri

[Vuey]

how much are u driving a year? i doubt this will b good for me lol i drive 100km a day mon-fri


well, the S2k is our weekend car , so i would struggle to put 8-10,000kms a yr on it .

But i got the prelude quoted as my daily driver for 20,000kms a yr . and thats the price i got. You should do an online quote to see what you come up with , definitely worth a look.

[yourfather]

You're talking about Real Insurance arent you.

ALways advertising on foxtel to the stay at home mums, nannas and unemployed

[Vuey]

[QUOTE=yourfather;2335104]You're talking about Real Insurance arent you./QUOTE]

nah mate, it is called "pay as you drive" insurance . Google them , i did a quote with Real insurance and they wanted $2200 to insure my S2k .

[dwn_boi]

hmm i drive too much lol! im under 25 no good plus it says i have to drive under 11,000km a year, i drive more than double that

[yourfather]

[QUOTE=yourfather;2335104]You're talking about Real Insurance arent you./QUOTE]

nah mate, it is called "pay as you drive" insurance . Google them , i did a quote with Real insurance and they wanted $2200 to insure my S2k .

You really are an idiot...

http://www.realinsurance.com.au/MediaRoom/Awards.aspx

[Vuey]

[QUOTE=Vuey;2335123]

You really are an idiot...

http://www.realinsurance.com.au/MediaRoom/Awards.aspx

http://www.payasyoudrive.com.au/

[dwn_boi]

lol they both suck for under 25

[yourfather]

[QUOTE=yourfather;2335228]

http://www.payasyoudrive.com.au/

did you even click the link

Real Insurance introduced pay as you drive..

[Vuey]

[QUOTE=Vuey;2335294]

did you even click the link

Real Insurance introduced pay as you drive..

yes i did .

I did an over the phone quote with real insurance and based on the information i gave them, $2200 was what i was quoted. Did the same with pay as you drive and got $780.00 .

where are you going with this ?

dwn_boi
lol they both suck for under 25
just wanted to point it out incase you havent tried to get a quote from them before.

[dwn_boi]

lol all good :D

[-=Roe22L=-]

lol @ CGU. Just did a inquiry online for my 94 VTIR. over 30, 60% NCB, Haven't had an at fault claim. $1,989 with a $550 excess. Greenacre/Bankstown is not a cheap area for insurance!

[Ero_Sennin]

ouch
when i insured my 97 vtir, it was $1400 full comp and being under 25 at the time when i insured it
ive yet to get a quote for my car now

cheapest insurance i got was budget direct at $702 compared to aami at $1200 and just car at $1700

[Manabir]

hard to find a company who will insure me cause of the suspension mods, bodykit and stereo.
most say that they wont touch me with a 40 foot pole.

[Ero_Sennin]

hard to find a company who will insure me cause of the suspension mods, bodykit and stereo.
most say that they wont touch me with a 40 foot pole.

found out youi wont insure me at all

[Rollsta]

i was 20 years old when i got the lude
justcar charged me $2232 under my name comprehensive
thats with a clean driving record
last year, i've paid $1700
and this year im expecting no higher than $1500!

[migoreng]

i'm not gonna give insurance companies $2k + for comp..screw that..
instead i pay $850 a year comp with a $3000 excess...
i'll be 25yo in a few months so it's all good for me after that...

[stevey]

fu*K my brother is paying 3200 for hiss r33 GTR under his name and thats meant too be heapss cheap

[sultanaz]

im paying $1600 under my dads name, im 18, gio, but we do get i think its like a 200$ discount because we have other stuff insured with them too.. otherwise on my name it will be over 2500 easy