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03-25-2004, 10:56 AM | #1 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
insurance quote!!!
My mom had her Insurance company just quote me on a 2.5rs and a wrx....and she said the cheaper of the two (the rs) would be roughly $$7800 yearly!!!!!!! i cant believe it..does that seem ridiculously high to you guys...? any help thanks...
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03-25-2004, 11:04 AM | #2 |
Scooby Newbie
Member#: 34805
Join Date: Apr 2003
Chapter/Region:
E. Canada
Location: Ottawa, Canada
Vehicle:06 STi WRB |
How old are you? How many speeding tickets or accidents do you have?
Sounds like the quotes I was getting when I was 18. |
03-25-2004, 11:07 AM | #3 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
hah..well...i am 18...i have been licensed 2 years...and have no accidents , tickets or anything against me at all....perfect clean...
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03-25-2004, 11:10 AM | #4 |
Scooby Newbie
Member#: 34805
Join Date: Apr 2003
Chapter/Region:
E. Canada
Location: Ottawa, Canada
Vehicle:06 STi WRB |
Might be a bit high for being perfect clean...
You should have your mom put it under her name and you be a occasional driver. |
03-25-2004, 11:15 AM | #5 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
her and me dont want to do that though..i need to start my own...so i can get my rates down in a few years....
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03-25-2004, 11:16 AM | #6 |
Scooby Specialist
Member#: 36302
Join Date: May 2003
Chapter/Region:
W. Canada
Location: St. Albert, Alberta
Vehicle:2006 Big 16G WRX Addicted to Blue |
ouch...all I can say is glad Im not 18 anymore. With insurance like that I'd be walking.
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03-25-2004, 11:19 AM | #7 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
well..she's gonna phone the agency we get our house insurance through..see if there quotes better...
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03-25-2004, 11:20 AM | #8 |
Scooby Specialist
Member#: 36109
Join Date: Apr 2003
Chapter/Region:
W. Canada
Location: Calgary, AB
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Regardless if you are on your own for now,
you rates don't drop till your 25, or so that seems to be the case with most males. Thats what I did, and now I have had my own insurance for 2 yrs, and my rates for my wrx are like $110 a month. |
03-25-2004, 11:22 AM | #9 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
i thought alberta has zero gender biased within insurance calculations now...? *edit ...also ..the agent told my mom it would be three years from now ..thats assuming i have no claims withing that time...
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03-25-2004, 11:31 AM | #10 | |
Scooby Newbie
Member#: 34805
Join Date: Apr 2003
Chapter/Region:
E. Canada
Location: Ottawa, Canada
Vehicle:06 STi WRB |
Quote:
I turn 25 in May and looking very forward to cheaper rates. I pay ~300 month with 3 speeding tickets, no accidents... |
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03-25-2004, 11:38 AM | #11 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
well..i have to figure somthing ....hopefully the other place is better..
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03-25-2004, 12:35 PM | #12 |
Scooby Specialist
Member#: 8050
Join Date: Jul 2001
Chapter/Region:
W. Canada
Location: Bugeye EJ207 - T3T04S - RIP
Vehicle:2004 FXTi - Stage 2 Goooooooolld |
You should talk to the guy with a STi who's 19 with 10 points on his license. I think he's paying $1,000 /month.
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03-25-2004, 12:47 PM | #13 | |
Scooby Specialist
Member#: 50433
Join Date: Dec 2003
Chapter/Region:
W. Canada
Location: Calgary, eh.
Vehicle:2001 Impreza 2.5RS BDP |
Quote:
Why spend $400/month (example) instead of $200/month? try to stay on as secondary driver until your 25 yrs, then your insurance will be basically halved as a primary driver. In the books it says secondary/occasional are only supposed to drive once or twice a month, but I used to drive my mom's car 2-3 times a week. There's no way (that I know of) they can to see how much you drive the car. Unless you keep on getting pulled over. Also shop around, some other insurance companies may be cheaper than your mom's. Here is a link to see some online quotes:http://www.kanetix.com Play around with the different options to see what you can get. |
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03-25-2004, 02:09 PM | #14 |
Scooby Newbie
Member#: 12975
Join Date: Dec 2001
Location: Ottawa, Ontario CA
Vehicle:2002 Impreza 2.5RS Silver Metallic |
You are a bit young in the insurance companies eyes and with a short driving record. Though, I agree it does not justify the price. You might want to check out this site http://www.kanetix.com. Run your info through and it comes up with some quotes and you can then call the cheapest one and arrange to be insured. I know it saved me a bundle, I moved from Allstate at $5400/year (ridiculous I am 31!) to RBC insurance at $2280 per year. Big difference and alot more fair for a guy with one 15 over ticket in all his years and one accident 5 years ago...
Good luck mate, and do yourself a favour, be careful and don't get any tickets or accidents at this time in your driving history, you'll be screwed! edit- DUH! maybe I should read the whole thread before posting a duplicate link eh? Ah well, at least you now know it is worth checking out! |
03-25-2004, 02:38 PM | #15 |
Scooby Newbie
Member#: 43528
Join Date: Sep 2003
Location: London, Ontario
Vehicle:2004 Outback Sport |
Another site that will do insurance quote comparisons for you is www.insurancehotline.com . They'll show you the lowest rate available to you, but depending on the insurance company offering that rate there may be a charge ($8.50) to get the company's name. Worth it if it's a big savings.
If you're a CAA member, rates for their auto insurance are pretty reasonable in my experience. I'm 30 with no tickets/claims since 2000 and I'm paying $1480/year with CAA. You can also use kanetix to get CAA quotes: www.kanetix.com/caa |
03-25-2004, 04:05 PM | #16 |
Scooby Specialist
Member#: 25129
Join Date: Sep 2002
Chapter/Region:
W. Canada
Location: Fort Nelson
Vehicle:2003 wrx stg4++ kills:4trny,mtr,trbo,clth |
move to bc.... i'm 21 with 4 license supensions and you don't even wanna know how many points and I pay 247 a month on my car with EVERYTHING.. including 3 year replacement value.
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03-25-2004, 04:14 PM | #17 | |
Scooby Newbie
Member#: 34805
Join Date: Apr 2003
Chapter/Region:
E. Canada
Location: Ottawa, Canada
Vehicle:06 STi WRB |
Quote:
Holy crap that's wild. |
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03-25-2004, 05:09 PM | #18 | |
Scooby Specialist
Member#: 25129
Join Date: Sep 2002
Chapter/Region:
W. Canada
Location: Fort Nelson
Vehicle:2003 wrx stg4++ kills:4trny,mtr,trbo,clth |
Quote:
like for ex.. I have a 25 percent discount.. ashley crashed my car but it goes under my insurance so I go to 0% discount so i'll actually have to pay 25 percent more next year than this year. |
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03-25-2004, 07:03 PM | #19 | |
Scooby Specialist
Member#: 3004
Join Date: Nov 2000
Location: Edmonton, CANADA
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Quote:
btw- let me guess....black STi in Calgary?? spt |
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03-25-2004, 07:18 PM | #20 | |
Scooby Specialist
Member#: 36109
Join Date: Apr 2003
Chapter/Region:
W. Canada
Location: Calgary, AB
|
Quote:
I agree with spt.. how do you teach values to someone who gets everything they want... I guess that opens another "can o' worms" |
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03-25-2004, 07:35 PM | #21 | |
Scooby Specialist
Member#: 56602
Join Date: Mar 2004
Chapter/Region:
VIC
Location: VANCOUVER
Vehicle:2012 SWP STi |
Quote:
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03-25-2004, 08:59 PM | #22 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
thanks for the replies guys .....i was really bumed about this price...i expected to have high rates...but what i initially heard would have been enough to sway me from even drving a suby...wich isnt right... i'm going to dig around some sites tonite...and see what i can do...thanks again guys...
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03-25-2004, 10:12 PM | #23 |
Scooby Newbie
Member#: 34805
Join Date: Apr 2003
Chapter/Region:
E. Canada
Location: Ottawa, Canada
Vehicle:06 STi WRB |
When I was 17 I was going to do the same.. I priced it our for any POS and it still would have costed 5G.
Just give it time... |
03-26-2004, 12:44 AM | #24 |
Scooby Specialist
Member#: 43770
Join Date: Sep 2003
Location: Edmonton, AB
Vehicle:2013 Impreza WRX Lim 2001 Impreza WRX STi |
yeah...i guess what we love costs money...haha
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03-26-2004, 02:45 PM | #25 |
Scooby Newbie
Member#: 22559
Join Date: Aug 2002
Chapter/Region:
W. Canada
Location: Grande Prairie, Ab, Canada
Vehicle:2002 WRX World Rally Blue & dirt |
Try AMA. they have discounts for membership, as well as driver training. They told my fiancee (22 yrs old, 1 year insurance history) that driver training (about $500) would lower her premium by about $1000 per year.
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