INSURANCE ! wats urz like ?

im rating 4, 22, comprehensive in my name, in melbourne.

1988 CRX, few mods, nothing worth writing home about, the cheapest quote i got and subsequently accepted was with Just Cars for $2200 (work use incl.), was $1700 without work travel covered.

personally im annoyed, as 2 incidences that are listed on my policy and affect my rating werent even my fault (such as being side swiped by a car changing lanes into me)... but thas insurance for u!

Im 18 in melb and drive an import hybrid so im screwed >_<

I just got 3rd party, i pay about 600 or something with AAMI

I reside in Liverpool (NSW) which is not a great suburb, 5 speeding tickets, 2 loss of licence (lost once in my b16a civic and 1 in my 01 rexy), 1 red light camera, I am 22 and have a 10% NCB.

I am paying $3k with JustCars.

I could have paid similiar with a rex or s2k (with another insurance company in WA) if it wasn't for me losing my licence again a few months ago.

man....u guys pay heaps cheap!!! wat am i doing wrong then...ive asked for quote from nrma and just car and ravc and they are expensive!!

nrma - 3.5k
justcars - 5.4k
ravc - 4k

im 23 and ive got into accident like 2yrs ago...and the car is under my olmans name and im the nominated driver... i must be doing something wrong... :S im in NSW btw...

anyone can help me?? my first time doing insurance... o_O

Quote:

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Originally Posted by e_s2k

Damn...... z3lda that's expensive. I think it go to do with the kind of car you drive.
But still that is way expensive for a crx unless you got it pretty modded.

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i bought the car stock, excpet for the prevous owner putting on a muffler. alliance quote 7k so did racv.
then went to JustCar, quoted 3k. then told them i didnt have exhaust and they took off 200bux.

Quote:

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Originally Posted by civic__dd

My point was that justcars was cheaper than aami. That was with the same rating at the same location. I was forced to change from aami to justcars so they may have looked out for me there but i was still gobsmaked when justcars was cheaper for a higher insurance value and all the mods.

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you do realise that Just Car is underwriten by AAMI. its just that if u get into an accident, they'l get an accessor out and any mods not mention when u join they wont cover you and pay u out.