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OfflineGinseng1
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Ok so how does this insurance shit work?
    #5733829 - 06/10/06 11:04 AM (17 years, 7 months ago)

So ive been tyring to get additional insurance on my mothers car for a while. She eventualy went thru with it and got a quote.

She pays almost 200$ a month for a 1994 camry, and for me to drive it aswell, its gonna cost $350 for me to drive it from now until august.

Thats over $100 a month for ME to drive it, as a secondary driver for a fuckin 1994 camry.

Basicaly gonna be over $300 a month to have it on the road so both my moms and I can drive it.

Is something wrong here? Is my moms getting ripped off with this shit? Or hsuld I just pay the shit and start cruising?


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Edited by Ginseng1 (06/10/06 11:06 AM)


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OfflinePhychotron
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5733842 - 06/10/06 11:08 AM (17 years, 7 months ago)

how old are you? your insurance wont go down till your 25 or so.. i pay 89.91 a month for 2 cars, and my ex and i are on there...


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OfflinePhychotron
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5733845 - 06/10/06 11:09 AM (17 years, 7 months ago)

and your mom payin 200 a month for a 94 camry is gettin JACKED.

she must have a lot of accidents or tickets...


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InvisiblePrisoner#1
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5733850 - 06/10/06 11:10 AM (17 years, 7 months ago)

your moms insurance seems a bit high to start with but if your are under 25 you
pay high premiums to begin with, rates drop after 25 and 32 for men. ou're only
paying an additional $100 as a secondary so it's the group discount of sorts
and just pay the shit because you probably wont find it any cheape, insurance is a
scam anyway


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OfflineGinseng1
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Re: Ok so how does this insurance shit work? [Re: Prisoner#1]
    #5733869 - 06/10/06 11:14 AM (17 years, 7 months ago)

Ive been telling to shop around and get better insurance. Shes gotten a couple speeding tickets, and a couple little crashes but it was never her fault. 192$ seems way too high for a 12 year old sedan.

I dont know... maybe shes paying the high premium because it covers anything and everything? Insurance is fuckin gay.

I'm 19 BTW.


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Edited by Ginseng1 (06/10/06 11:16 AM)


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InvisiblePrisoner#1
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5733879 - 06/10/06 11:18 AM (17 years, 7 months ago)

Quote:

Ginseng1 said:
Shes gotten a couple speeding tickets, and a couple little crashes but it was never her fault.




doesnt matter if she was at fault, they still jack up the rates, and if she's getting full coverage for $200/mo, thats a reasonable rate


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Offlineimmaculate
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5733886 - 06/10/06 11:19 AM (17 years, 7 months ago)

sounds high, man.. i'm 20 and my mom had my 01 galant on full coverage for 6 months at about that rate, with me as the primary driver.

might be where you live or something? insurance is a bunch of shit though so who knows wtf it is.


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OfflineGinseng1
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Re: Ok so how does this insurance shit work? [Re: Prisoner#1]
    #5733887 - 06/10/06 11:20 AM (17 years, 7 months ago)

*sigh*... what If i just drive it anyways without paying additional insurance? If i get stopped, show my drivers license plus the insurance am I gonna get my ass kicked?


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OfflinePhychotron
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5734014 - 06/10/06 11:55 AM (17 years, 7 months ago)

it depends if your state allows the cop to ask for insurance. some states can only have the cop ask for the insurance, but not actualy require proof.


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Offlineimmaculate
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5734025 - 06/10/06 11:58 AM (17 years, 7 months ago)

bad idea.. if it isnt insured for you to drive, then youre driving uninsured. which, as you know, is a crime. :P


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InvisiblePrisoner#1
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5734037 - 06/10/06 12:03 PM (17 years, 7 months ago)

Quote:

Ginseng1 said:
*sigh*... what If i just drive it anyways without paying additional insurance? If i get stopped, show my drivers license plus the insurance am I gonna get my ass kicked?




if the car is insured you wont get a ticket for not having any, if you have a
wreck, you could be fucked. the insurance wouldnt pay for either vehicle and the
other driver could sue the piss out of you, BTW, incase you weren't aware,
liability or no fault insurance wont pay to repair or replace yours.


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OfflineGinseng1
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Re: Ok so how does this insurance shit work? [Re: Prisoner#1]
    #5734104 - 06/10/06 12:22 PM (17 years, 7 months ago)

Well, turns out we were both mistaken, its gonna cost me lass than $200 from now until the end of august.

That, I can afford, and its only like what 70$ extra a month.

Im down with that. Its been effective since june 6th too.

Anyway, were gonna do this for now, and I think end of august my mother is going to shop around for some more friendly insurance.


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InvisiblePrisoner#1
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5734113 - 06/10/06 12:25 PM (17 years, 7 months ago)

cool... cheap insurance rocks just dont wreck the car and it'll stay cheap


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OfflineGinseng1
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Re: Ok so how does this insurance shit work? [Re: Prisoner#1]
    #5734128 - 06/10/06 12:28 PM (17 years, 7 months ago)

Yea i just need the car for bringing drunk girls back to my place and what not...


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InvisiblePrisoner#1
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Re: Ok so how does this insurance shit work? [Re: Ginseng1]
    #5734277 - 06/10/06 01:14 PM (17 years, 7 months ago)

thats nice of you, but those chicks usualy steal your car in the morning


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