Insurance Help!
Thread Starter
~~ Hardcore Newb ~~
Joined: Jan 2006
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From: Toronto
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Insurance Help!
Hey guys sup
i just bought a 1997 base prelude and i NEED INSURANCE so i was wondering if u guys can tell me insurance companies that are ceap and good and if you know just about how much i would be paying..o and btw im 16..
Pls pm back
i just bought a 1997 base prelude and i NEED INSURANCE so i was wondering if u guys can tell me insurance companies that are ceap and good and if you know just about how much i would be paying..o and btw im 16..
Pls pm back
Junior GTcars Poster
Joined: Jun 2005
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Sell the car - get a bus pass, borrow the parent's car, and/or take taxis.
Do without the car for a couple of years. You will be literally thousands of dollars ahead, and insurance at 18 is cheaper than insurance at 16.
Do without the car for a couple of years. You will be literally thousands of dollars ahead, and insurance at 18 is cheaper than insurance at 16.
Last edited by gldwngr; Apr 24, 2006 at 09:34 PM.
Experienced GTcars Poster
Joined: Apr 2005
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From: Toronto, Ontario
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Originally Posted by gldwngr
Sell the car - get a bus pass, borrow the parent's car, and/or take taxis.
Do without the car for a couple of years. You will be literally thousands of dollars ahead, and insurance at 18 is cheaper than insurance at 16.
Do without the car for a couple of years. You will be literally thousands of dollars ahead, and insurance at 18 is cheaper than insurance at 16.
when I was 16, I got a 91 buick regal as a gif from my aunt, but the car was a piece, albiet a piece that was mine, and I could drive it. I got it for free and i got it saftied from a mechanic who was more than kind to me. Becuase I was the primary driver I was paying 360 a month, for just liability, and under an umbrella policy, because I was still living at home. This was almost 5 years ago, and insurance rates have risen. Although I got the car for free, I surely paid for it
~~ Hardcore Newb ~~
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Originally Posted by Duch
when I was 16, I got a 91 buick regal as a gif from my aunt, but the car was a piece, albiet a piece that was mine, and I could drive it. I got it for free and i got it saftied from a mechanic who was more than kind to me. Becuase I was the primary driver I was paying 360 a month, for just liability, and under an umbrella policy, because I was still living at home. This was almost 5 years ago, and insurance rates have risen. Although I got the car for free, I surely paid for it
~~ Hardcore Newb ~~
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Good Luck
Man thats tough....im 18 now and its hard for me to find insurance......guy last year when i was 17.....i bought my first car....a 1993 civic.....for liability only i was paying 478 a month....insurance was costing me more than what i paid for the car...
~~ Hardcore Newb ~~
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Kingsway General was the cheapest company I could find. I started with them when I was 19 with an MX3. But just keep in mind that what you pay is what you get. If you ever need anything from them don't count on it. They will harrass you and write off your car if anything happens, even if the damage isn't bad. I hate insurance companies!!!
~~ Hardcore Newb ~~
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From: Oshawa
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Originally Posted by 96lude_srv
^^, im with kingsway right now with just liability only. They don't even know about my modification and bodykit. If anything happen, im scare they will not insure the damage now.
With just Liability they won't cover anything if the accident is deemed your fault. My MX3 was stock when a guy ran a light and hit me....Kingsway sent over some elderly appraiser who completely lowballed my car, wrote it off and I was given a call from an adjuster for the company who basically told me they would not consider any other vehicle value (ministry, auto trader, etc) and threatened me to either take the amount they offered or nothing at all. So I just took the money, bought a parts car for $300 to fix up my car and ended up selling the leftover parts and made almost $1500 in profit! See....every story has a happy ending!
Beaner, The One And Only
Joined: Feb 2005
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From: Bramladesh
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Originally Posted by cyn
With just Liability they won't cover anything if the accident is deemed your fault. My MX3 was stock when a guy ran a light and hit me....Kingsway sent over some elderly appraiser who completely lowballed my car, wrote it off and I was given a call from an adjuster for the company who basically told me they would not consider any other vehicle value (ministry, auto trader, etc) and threatened me to either take the amount they offered or nothing at all. So I just took the money, bought a parts car for $300 to fix up my car and ended up selling the leftover parts and made almost $1500 in profit! See....every story has a happy ending!
Junior GTcars Poster
Joined: Feb 2005
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From: Aurora
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Try Easyway insurance brokers, ask for Lauren Winders. I deal with these guys through work, they seem like stand up people. They specialize in young drivers and people who have trouble getting insurance.
905-479-8425 x 305
905-479-8425 x 305
~~ Hardcore Newb ~~
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From: sauga
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i was 16 n i had an **88 civic hatchback dx** jan-march lol n it was under my dads name who has no tickets accidents ever in his life 100% perfect insurance n he has a car n my mom has a car so automatically i was primary driver on the civic so i was paying 488 a month BASIC insurance so i took my car off the road n sold it... so you should drive under your parents cars for a lil while....unless u have the money then good luck bro