Is $2.4k insurance too much to be paying for a DC4?

[DC4Integra98]

^ with AAMI full comprehensive insurance, price inclusive of the "family discount" and me doing the "advanced driving course". Originally meant to be $2.6k a year. 20yo male.

I feel the discounts haven't really done me any justice here. A friend of mine owns a n/a supra and pays $2k for his comprehensive insurance and everywhere I quote seems to be in the $2k region.

Any help with getting cheaper insurance? And am really paying too much or is this reasonable?

Cheers

[dc2dc2dc2]

2k !

u must live in a really bad suburb. Do u have accidnet history ?

[bennjamin]

$2.6k per year , you will pay the worth of the car in about 3 years. Is it worth it ? NO.

[Zilli]

accident history?
traffic infringements?
Where you live?
Is it garaged?
Immibiliser (dont know if this is still asked for at AAMI)

just because you have a family discount doesnt mean your going to get a cheap price...

[macoman69]

my itr is $1200 through aami when i do an internet quote and thats with one claim and loss of licence once.

[Q_ball]

I got quoted about 2500 for full comprehensive insurance under my name when i first bought my dc4,
I was 19 at the time.

[DC4Integra98]

accident history?
traffic infringements?
Where you live?
Is it garaged?
Immibiliser (dont know if this is still asked for at AAMI)

just because you have a family discount doesnt mean your going to get a cheap price...

-No traffic infringements
-Live in melbourne in a place called aspendale - fairly quiet neighbourhood not -known for being notorious
-garaged
-new alarm fitted including 3 point immobilser

And to top it off...
I just got off the phone to GIO who quoted me $4200.22 !!! two years and i can buy another car.

I think the main factor is my age. I am going to be 20 years old this year. As in the current insurance under my father's name it is costing around $500 for full comp, but as the car will be used for uni I believe it will be hard to make a claim if an accident were to happen on campus...

[bennjamin]

consider only fire n theft insurance. IE if your car is stolen you will get $5k max back.
Otherwise hope an accident isnt your fault.

Or , bend over and pay this ludicrous amount.

Have you tried Justcars insurance yet ?

[DC4Integra98]

consider only fire n theft insurance. IE if your car is stolen you will get $5k max back.
Otherwise hope an accident isnt your fault.

Or , bend over and pay this ludicrous amount.

Have you tried Justcars insurance yet ?

I think I will have to go with third party fire and theft only. Paying so much is just not worth it for a car valued at the $8-10k mark.

Just Car insurance quoted me
$2,020.00

[dwn_boi]

just car is a raught too!!!

i got my insurance reminded the other day and my insurance coverd dropped from $16k to $14600k in only a year!!

i was like wtf how can it drop so much if i agreed to be insured for $16k?!

another thing last year it cost me $2510 to insure and now it costs me $1963

so ya i called them up today and she said she'll 're examine' my cover and then she told me i can still have it insured for $16k and will still cost $1963

like how can they do that? its like i had to get on their case to make sure i'm covered my full amount >_<"

also that new place www.bingle.com.au dont bother theyr just as expensive

[macoman69]

Im 20 turning 21 this year. But mines still cheap. even with my history. and thats with AAMI

[SiReal]

2K isnt too bad for an integra SPORTS coupe.

silly system at justcar wanted to charge $400 vehicle premium for a stock as rock, slow as shite EK1 civic sedan. - my father as the driver.

Its all about what car you drive.

Having said that, its all about THEIR perception. a quote for insurance for a Audi A4 1.8TURBO was the same as my accord 2.3 NA. They said its because the audi isn't generally regarded as a 'hoon' car.

[DC4Integra98]

Im 20 turning 21 this year. But mines still cheap. even with my history. and thats with AAMI

How much are you paying?

I thought a DC4 aka gsi would be significantly cheaper than its vti-r/type-r equivalents

[[[d a n n y]]]

wtf? 2.4?
i pay 1.6K for my evo 8

[dwn_boi]

arnt evos 4 door, lol maybe that makes a difference

[vinnY]

don't feel too bad
i get quotes of $2.4-5k(ranging from justcar, nrma and aami) for my ek4 stock
21, nothing owing on the car, no traffic infringements, no accident history

.. i live in granville nsw, sorta explains it all really

[acool]

get quote from insuran hotline,if u do have any accident history,i got my 1 for$1300

[steve88]

thats why i got an ek1 instead of ek4, it costs me $1400 and im 19 with no bas history, but mind u its got my mums 60&#37; no claim bonus. so itd normally be alot more. 2.5k

[dwn_boi]

gio quoted me 8gz to insure my prelude >_<"

[macoman69]

How much are you paying?

I thought a DC4 aka gsi would be significantly cheaper than its vti-r/type-r equivalents

Like i said an internet quote with my history said $1200 for an 01 ITR DC2

[macoman69]

gio quoted me 8gz to insure my prelude >_<"

Thats cause they know women cant drive :p

[Nato]

thats crazy!

i'm only paying $1200 a year with NRMA for my DC4 with 1500 of listed mods.

i am 21, 2 traffic infringements and monthly works out to be around $120.

thats abit dodge about AAMI, because i tried for a better deal through them, and they wouldn't insure me because i have too many modifcations :thumbdwn:

[Zilli]

i think the popularioty of Honda's may be a factor now too, i'd need to have a chat with our underwriting people to understand... a Honda car culture is growing... with that, thefts accidents and claims will increase... i dare say the governments P plate restrictions would be driving this too...

But yeh at the end of the day its a "sports" car and you are young dude... You didnt clarify your accidents history...

Didnt GIO put you through to Custom Car Insurance?

[Zilli]

gio quoted me 8gz to insure my prelude >_<"

once again, it depends on your history... didnt they recommend you to their Custom Car Insurance?

[drift_king]

mate you know if the insurance is under your dads name, you can still claim that you had an accident while driving it, however the excess you pay, for being an unlisted driver under 25yrs is around $1500, but i think thats probably a cheaper option. Well, the bottom line is that insurance still covers you even if its in your dads name, just the excess is higher. atleast nrma operates like that ;)

[mrwillz]

for me driver male under 25
only 900bux

wif yearly premium of only 590 FTMFW
(same regime as above)

however, if i had to pay 2.4k yearly i wouldnt be able to afford it being a student, mega pwnage

[genghiskhan]

nah thats rediculas man i went with gio and got 2.5grand for insurance for my s2k and im 17 under my parents name tho

[DC4Integra98]

mate you know if the insurance is under your dads name, you can still claim that you had an accident while driving it, however the excess you pay, for being an unlisted driver under 25yrs is around $1500, but i think thats probably a cheaper option. Well, the bottom line is that insurance still covers you even if its in your dads name, just the excess is higher. atleast nrma operates like that ;)


Currently under dads name and me as part-time driver. HOWEVER, they will not insure me if I drive the car to work or uni as such it should be under my name. And if I put my name included with my dads as main drivers, they bill from the youngest driver aka me.

Under parents name is undoubtedly cheaper. Currently costing around $500
Excess is about 500 + 900 for being under 25.

I will go to an AAMI office tomorrow with my father and find out the best price. So far the prices I have gotten are over the phone/internet.

[Red_EG4]

I just did a quote and it would cost me $1,200 a year for a DC4 Integra, 18 year old male.

[DC4Integra98]

I just did a quote and it would cost me $1,200 a year for a DC4 Integra, 18 year old male.

With who???

I called a couple of other places, and they wouldn't even insure me...

[Red_EG4]

With who???

I called a couple of other places, and they wouldn't even insure me...
AAMI. How much are you covered for when you do your quotes?

[dwn_boi]

Thats cause they know women cant drive :p

lol ok mister "men drive better then women!!" tell me why the excess for a guy crash is more then a girls excess huH hUh HuH!!!!?? lol

[DC4Integra98]

AAMI. How much are you covered for when you do your quotes?

Agreed value $11k with AAMI

EDIT: Just did the online quote again without agreed value
$2,414

[AsH_]

i called RACV for my car and w/rental car quoted over 4K full comp.

i am now with aami as a rating 1 and i pay $367 full comp.

i am 22 years old.

i told them my car and i have modified suspension and steering wheel. all on my policy.

[R8DXXX]

haha i dont even want to think of how much my full comp would be then.....
:(

[macoman69]

lol ok mister "men drive better then women!!" tell me why the excess for a guy crash is more then a girls excess huH hUh HuH!!!!?? lol


Uhhh everyone knows there are more men driving on the road than women......women are usually in the passenger seat :P
Its not an accident that there are no women drivers in F1 ........... lol nuff said.

[R8DXXX]

Its not an accident that there are no women in F1 ........... lol nuff said.

ahahah

[Red_EG4]

Agreed value $11k with AAMI

EDIT: Just did the online quote again without agreed value
$2,414
Any mods? I'll give that a burl and see what I get.
Edited- I cant even do an online quote with $11K value so I cant give it a burl.

[oconnor]

^ with AAMI full comprehensive insurance, price inclusive of the "family discount" and me doing the "advanced driving course". Originally meant to be $2.6k a year. 20yo male.

I feel the discounts haven't really done me any justice here. A friend of mine owns a n/a supra and pays $2k for his comprehensive insurance and everywhere I quote seems to be in the $2k region.

Any help with getting cheaper insurance? And am really paying too much or is this reasonable?

Cheers

JESUS!!!

Wow dude. I'm 18 with a DC5R - Stock, and I pay $936.

With AAMI

[beeza]

Yes!!!

[DC4Integra98]

Any mods? I'll give that a burl and see what I get.
Edited- I cant even do an online quote with $11K value so I cant give it a burl.

You have to put car purchased within 12months
No mods


JESUS!!!
Wow dude. I'm 18 with a DC5R - Stock, and I pay $936.


Is that comprehensive?

[drift_king]

Currently under dads name and me as part-time driver. HOWEVER, they will not insure me if I drive the car to work or uni as such it should be under my name. And if I put my name included with my dads as main drivers, they bill from the youngest driver aka me.

Under parents name is undoubtedly cheaper. Currently costing around $500
Excess is about 500 + 900 for being under 25.

I will go to an AAMI office tomorrow with my father and find out the best price. So far the prices I have gotten are over the phone/internet.

perhaps aami works like that, however nrma will insure it still, give em a call and find out, only thing is if an under 25 driver who isnt listed crashes it then they pay an excess of 1.5k, if the under 25 driver was listed they only pay like 400 bucks in excess or something like that.

[NVD52K]

i have an s2k i pay 3 k a year for it although its under my mums name lol cause he is over 25 and im nominated as a second driver

[philBo]

for me driver male under 25
only 900bux

wif yearly premium of only 590 FTMFW
(same regime as above)

however, if i had to pay 2.4k yearly i wouldnt be able to afford it being a student, mega pwnage

silly boy...that insurance is under your uncles name no?

[IZY-10]

Too much if you ask me. I pay $1300 comprehensive for my DC2R and im only 21

[JayRay]

That's a fair bit, I'm paying 800 a year, agreed value, full comprehensive etc etc. 19 and 2 accidents ^_^...

[oconnor]

You have to put car purchased within 12months
No mods



Is that comprehensive?

Yeah full comp, agreed value of 27k also

[Nato]

yeah but with aami, they are for STOCK cars. Just tried to get a quote through them for my car in stock form, and they wouldn't cover me, as I had a high buying price WTF????

[connections]

im paying about 760 with just cars for my dc4.

this is with fire, theft and a few other things covered.

[chicken8]

try the following insurers

www.bingle.com.au
www.dawes.com.au