INSURANCE ! wats urz like ?

hi guyz ...

im gona b gettin a 94teg vtir .. and ive rung a few insurance places .. and out of em all HBA GIO CGU gave me d best quotes...COMPREHENSIVE cover..

dey were around 850 premium + 450 standard excess + 400 excess for me ... puttin it under my olmans name (rating1) and then me as occacional driver (less dan 10% or somethn) ... im 19 atm so ye ...

i got quoted 2000 by RACV to put it under my olman n den me.. :confused:
justcars gave me like 2800 or somethin... :eek:

im wondering what insurance u guyz are paying ?
and wat do you guys fink of the quote i got ..

cheers fellows .. appreciate ur advice :cool:

im 20 on my p's in melb and its costing me $2300 approx, thats with a few mods.RACV ****in expencive but thats the best i could find under my name with a vtir full comp, excess is $850.......can any one reccomend a better company???

$2200 with RACV....In my name and im 22 with a fairly clean driving history

23 Years old
on my Green P's

$1800 bucks cars under my dads NRMA :P

22yrs old rating 1 for nearly 2 years RACV $1450

welcome to the wonderful world of insurance. the cheapest would probably be AAMI with their new higher excess deals....was like $600 in my name plus $2000 excess for a 2004 euro. ended up going with racv cause they allowed me to pay by the month for the first yr. $1200 with them.

Could you specify what state you guys are in also? I think there should be a difference between NSW, tassie, WA, etc.

damn, insurance seems hefty over there!

i'm 19, mines about $900 (comprehensive) with me as a listed driver and having a bad driving history (wrote off an EG vti last year)
but my excess is pretty much fukd. any accidents or speeding fines, and i can kiss my insurance goodbye

I'm 25 and in NSW , AAMI was def teh cheapest . $1096 for my 94 Vtir recently had a kit fitted and lowered which bumped the price up by $11 dollars but no charge cz its under $20 bucks . Mods is the biggest thing my bro has a 92 civic auto but its riced out for looks . He pays 2500 . He asked why so expensive cz its not really a perfomance car and the told him because it looks good it attracts theives therefore he pays for it in insurance .

I remember a book comming out once with all the best "I'm claiming insurance because...... "stories . Maybe its time for enthusiasts to write a book on best bullshit insurance company quotes & reasons .

im 21 with clean dricing history, dont have a teg but the cheapest insurance i could find was Just Car Insurance. 2900k for my 97 crx, while racv quoted me 7k -_-

rac - insured 95 vtir for 23,500 - comprehensive - $900 (and going down) im 24

ill be insuring mine under my name for 2450 racv rating 4 dc5r im 20

Damn CJL that's alot...I'm forkin out $900 and I'm hurtin already...heh

considering just cars were gonna insure me for 3050 rating 4 i reckon its a pretty good price coming from racv ;)

i can only afford 3rd party.. poor uni student

I'm 26 with a 2000 dc2r (no mods) $800

I think there is a lot less car theft in Adelaide so insurance is cheaper here

no one will sell me Insurance... :(

20 atm and rating 3, roughly 1100 for mine with aami
not integra, apparently its a stock civic with alloys and spoiler and cd player

plus mine is sedan so maybe cheaper then coupe/2door style

I'm 24 with a DC2R in NSW rating 1 at Just Cars paying around $1350. Geez i thought my insurance was high but after seeing some of you guys paying over $2K.... :eek:

live life on the edge... no insurance like me!

just got 3rd party property... about $45/month NRMA other cars covered not mine, or around $450/year upfront

wow the prices varies so much!

I am looking in buying a dc2r.
How much do you all think I would be forking out.
I am 24 years old and I have never held insurance under name yet. However I do have a clean driving record, no fines whats so ever.

thanks :cool:

it doesn't matter if you haven't a fine - the insurance officer will still bend you over the bonnet of your own car and **** you for all you're worth. Shop around and call everyone, but make sure you're exactly clear on what rating you're entitled to be on. If you haven't had insurance yet - they'll probably start you on rating 4 or 5- so expect over $2000 for an R.

for the record, i'm 23, $1600 GSI JustCar in Melb.

i got 3rd party. got quoted around 2k for full comp, but for my 94 vtir i wouldn't pay that. in 5 years or so of insurance i would nearly have been able to buy another car.

3rd party = $300 bucks in my name and i'm 21

$1500 a year, full comprehensive with mods. 23 years old, rating 1 with racv. and a couple of speeding fines with 1 in the past 2 years. 15+ km/h over. Not tooo bad.

when i had the dc2r, 19yr, under dad's name, me as nominated driver, addressed interstate $3000 a year. nsw nrma. that was pretty much my only option at the time. so dont go nrma unless you have to, but if you cant get insurance with anyone else NRMA is your friend :)

20, $1450 for a DC5R

under my olman name's though and im occasional driver... :(

I am also looking for new insurance next year... one which actually lets me mod my car performance wise... stupid CGU...

Hopefully being 21 will give me more options

2245... with just car its enough to make some one sick... the amount of money that we have to pay.... 98 vtir.... but at least every thing is covered and when it goes turbo they said they will cover it...which is ok i guess

You guys are lucky that you have your dad and insurance history to help you with your premiums. :) (assuming you've had insurance since u started driving)

Heres me. I've only had insurance history with AAMI for 1 yr, that's with a 99 Civic Sedan. I didn't go for comprehensive (i thought it was too expensive), so I went with 3rd party. Clean history etc etc. I'm 23 btw. Got an ITR DC2. AAMi wouldn't cover me, 23+ITR=No cover. If i thought my Civic was expensive.. boy was I wrong. The cheapest i got was from Just Car Insurance $3770. ;) NRMA, GIO were higher. :eek:

opps.. I'm in NSW. :D I wonder what I could have gotten for the extra $$$ from TODA? mmmmmm.....

looking at the prices, its funny, really, considering that theres the same or more power in the average v6 falcon compared to a teg. non-type r of course.

My Rundown Of Insurance History in Victoria

All Full Comprehensive

TH Magna Sports (19 year old) - 2200
TJ Magna Sports (20 year old) - 1300, (22 Year old) - 1400 (Premium went up for no reason)
R33 GTST (19/20 Year old) - 7000
S13 Silvia K (22 Years) - 3200

Euro (23 Year old) - 1200(AAMI which I am with now), Just Cars quote - 800 all mods covered, Rating one protection..

All insurance under my own name...

Quote:

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Originally Posted by EuroAccord13

My Rundown Of Insurance History in Victoria

All Full Comprehensive

TH Magna Sports (19 year old) - 2200
TJ Magna Sports (20 year old) - 1300, (22 Year old) - 1400 (Premium went up for no reason)
R33 GTST (19/20 Year old) - 7000
S13 Silvia K (22 Years) - 3200

Euro (23 Year old) - 1200(AAMI which I am with now), Just Cars quote - 800 all mods covered, Rating one protection..

All insurance under my own name...

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the skyline is crazy 7000. :eek:
so you had it for almost 2 years right, if so that means you paid 14000 for the line in insurance.

Quote:

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Originally Posted by Willxia

the skyline is crazy 7000. :eek:
so you had it for almost 2 years right, if so that means you paid 14000 for the line in insurance.

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I had it for just under 2 years, the second year was just third party because I used it as a weekend car after I got the TJ as a daily driver...

DC5R - QLD.
23/male - average driving history ;).
Exhaust, Coilovers, Intake, Rims
NRMA - $1150

i pay $7xx for 96 EK 4 door VTI and i m on P's

well the price u are saying is good, i was quoated over $6000 on my teg it's a vtir with racv, which is like massive, but i went to young and cool insurance and got it for $2000

well u think that is good????, well AAmi wouldn't insure me they said inetgras VTiR or Type R's are reknown for raacing so they don't insure anyone under 25 with those cars not even under their old man's name

Quote:

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Originally Posted by 16CTEG

well u think that is good????, well AAmi wouldn't insure me they said inetgras VTiR or Type R's are reknown for raacing so they don't insure anyone under 25 with those cars not even under their old man's name

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second that! I was previously with AAMI and they said that I'd have to go for Just Cars. They don't insure ITRs to under 25s

G'day guys, this is my first post on these forums :) (Just bought a 94 Vti-R Integra)

I'm 21 years old and im paying $1250 a year for full comprehensive with Young and Cool Insurance. I have the car valued at $15,000. The fact that i have been on my parents insurance policy for 5 years without claim did help with the price, but yeh i found they're alot cheaper than just cars.

Cheers!

25, dc2r, $1150 AAMI :(

If only RACV didn't say aftermarket rims can't be wider than 6.5" :confused:. (I have 16x7)

Dude what are you doing wrong. I got a quote of 1265 from justcars. Told them i had a full kit, coilovers, swaybars, break upgrade, pod, full zorst, lowered, 18's and other stuff like clear tail ligghts. im 19 and this is in my name only. the car is insured for $19000 where it was only insured for $15000 with aami for $1300 and that was not even covering my wheels. this is on a 97 gli civic too:) Justcars covered everything and then gave me a discount and excluding my wheel excess my excess was $100 cheaper. i did chat up the chick tho and she sounded hot:)

civic dd
different states = different quotes. as do different suburbs.

They were talking about ITR's above there, your profile suggests you have an EK civic. That would also lower the cost

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.

omg how come ITR insurance so cheap compare to prelude??
i had mine quote under my name, 22yr old around 12k..
under my dad name around 3k
dad + me 6k
fark dats a huge diff insurance for car
thy sed also somthing to do with the value of the car when purchased.

Just cars quoted me 2000+ for my dc2r (vic).... racv would have been cheapest if not for their retarded 6.5" wheel width crap.

25, dc2R, full comprehensive, AAMI rating one for life, $ :thumbsup: 565

yeah prelude vtir is high because of power output.. apparently gets classed in the same bracket as turbo vehicles due to factory output. I pay $1500 with WQBE full comprehensive

Quote:

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Originally Posted by monstaR

25, dc2R, full comprehensive, AAMI rating one for life, $ :thumbsup: 565

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!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! WTF?!?! I pay double that?!?! is it because you choose a higher excess?!? :confused:

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.

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.