TriStateTuners.com :: Home of Tristate Auto Enthusiast  

Go Back TriStateTuners.com :: Home of Tristate Auto Enthusiast > Community > Off-Topic
Register Rules & Info Mark Forums Read

Notices

Reply
 
Thread Tools Display Modes
Old 07-20-2007, 06:05 PM   #1
ITSTOCK
Tri-State Post Whore
 
Join Date: Sep 2005
Member #844

 
iTrader: (0)
Any Specialty Insurance For Drivers Under 25?

Grundy had me approved, and was just waiting for a VIN number. 3 days later I got an email stating apologizing that they don't insure don't insure drivers under 25. The other specialty insurance were all 30!

I want a new car damn it! BUT, I refuse to pay these insane premiums. There has to be another option, right?
ITSTOCK is offline   Reply With Quote
Old 07-20-2007, 06:40 PM   #2
05GT
The TST IT Ninja
 
05GT's Avatar
 
Join Date: Mar 2006
Location: PA
Member #1598

My Ride:
2007 SRT8 Jeep / 2013 Shelby GT500

iTrader: (0)
I'm surprised you are paying a lot. PA isn't that bad. Then again, I'm married so my rates are better haha.

Umm...use parents insurance, or get married, or elope or something haha.
05GT is offline   Reply With Quote
Old 07-20-2007, 06:49 PM   #3
Nors
Tri-State Post Whore
 
Join Date: Jul 2006
Location: DelCo, PA
Member #2210

My Ride:
2011 VW GTI

iTrader: (1)
Send a message via AIM to Nors
Quote:
Originally Posted by 05GT View Post
I'm surprised you are paying a lot. PA isn't that bad. Then again, I'm married so my rates are better haha.

Umm...use parents insurance, or get married, or elope or something haha.
I am on my moms insurance and its $190 a month (Just one car). Clean record, no tickets/accidents.

Can't wait for when I turn 25.
__________________
DUB JAWN
Hi Hater™
Previous:
2002 Volkswagen GTi - Sold |1995 Honda Accord - Sold | 1993 Eagle Talon Tsi AWD Project - Sold | 1996 Acura Integra RS - Sold
Nors is offline   Reply With Quote
Old 07-20-2007, 07:18 PM   #4
05GT
The TST IT Ninja
 
05GT's Avatar
 
Join Date: Mar 2006
Location: PA
Member #1598

My Ride:
2007 SRT8 Jeep / 2013 Shelby GT500

iTrader: (0)
Quote:
Originally Posted by Nors View Post
I am on my moms insurance and its $190 a month (Just one car). Clean record, no tickets/accidents.

Can't wait for when I turn 25.
Hmm...I pay only $207 a month and thats for a 04 G35 2 Door, and my 04 Cobra, (both full coverage) and my home insurance lol.

Try raising your deductibles. That might help a little.
05GT is offline   Reply With Quote
Old 07-20-2007, 07:25 PM   #5
smg267
Tri-State Aficionado
Banned
 
Join Date: Apr 2006
Location: Filthadelphia
Member #1821

My Ride:
Artic White 04 Z06, 01 Z/28

iTrader: (0)
Go to State Farm. I'm 23 clean driving record with a 01 Z/28 full coverage. $250 deductible and all the other good stuff. I am paying $1500 a year. They give you a good student discount and also 15% off for completing a safe driver DVD. State farm all the way. I'm not on my mommys policy either
smg267 is offline   Reply With Quote
Old 07-20-2007, 07:48 PM   #6
Vypurr
Tri-State Post Whore
 
Vypurr's Avatar
 
Join Date: Jan 2005
Location: Philadelphia, Pa
Member #58

My Ride:
06' SGM STi / 05' ZX-6R

iTrader: (1)
Send a message via AIM to Vypurr
Quote:
Originally Posted by Nors View Post
I am on my moms insurance and its $190 a month (Just one car). Clean record, no tickets/accidents.

Can't wait for when I turn 25.
Yeah honestly, you gotta be able to get it lower than that! I am paying almost $900/year less than you through my parents on an 06 STi!
Vypurr is offline   Reply With Quote
Old 07-20-2007, 08:48 PM   #7
ThePrimerSuspect
Tri-State Addict
 
ThePrimerSuspect's Avatar
 
Join Date: Jan 2006
Location: philly
Member #1241

 
iTrader: (0)
Send a message via AIM to ThePrimerSuspect
grundys did the exact same thing to me too. im buying a beater next week so i wanted to try to get my insurance cheaper cuz im still not sure if my rates are going up from my accident.
ThePrimerSuspect is offline   Reply With Quote
Old 07-21-2007, 12:50 AM   #8
LS2GTO
Tri-State Aficionado
Banned
 
Join Date: Dec 2006
Location: South Jersey
Member #3274

 
iTrader: (0)
$6000 a year for me and thats without them knowing about my tickets. No accidents though. At least I am on my moms policy now so its only about 1800 a year. lol. I'll be damned if I pay as much money for insurance as my payments are every year...
LS2GTO is offline   Reply With Quote
Old 07-21-2007, 08:53 AM   #9
Nors
Tri-State Post Whore
 
Join Date: Jul 2006
Location: DelCo, PA
Member #2210

My Ride:
2011 VW GTI

iTrader: (1)
Send a message via AIM to Nors
I should of mentioned its full coverage and I am the primary driver. Other then raising the deductable there is no way for it to be lower, we tried every option.
__________________
DUB JAWN
Hi Hater™
Previous:
2002 Volkswagen GTi - Sold |1995 Honda Accord - Sold | 1993 Eagle Talon Tsi AWD Project - Sold | 1996 Acura Integra RS - Sold
Nors is offline   Reply With Quote
Old 07-21-2007, 08:55 AM   #10
CHAOS
TST Ruined My Life!
Banned
 
Join Date: Jun 2006
Member #2120

My Ride:
1984 Cadillac Brougham

iTrader: (1)
why are you looking for specialty insurance? j/w

i pay alot cause i have a bad record but im 23, single and im financing the car.
CHAOS is offline   Reply With Quote
Old 07-21-2007, 12:35 PM   #11
ITSTOCK
Tri-State Post Whore
 
Join Date: Sep 2005
Member #844

 
iTrader: (0)
Quote:
Originally Posted by smg267 View Post
Go to State Farm. I'm 23 clean driving record with a 01 Z/28 full coverage. $250 deductible and all the other good stuff. I am paying $1500 a year. They give you a good student discount and also 15% off for completing a safe driver DVD. State farm all the way. I'm not on my mommys policy either
I have a bad record and was paying $2100/year through All State with the 03 cobra. The cobra and X5 together were over $6000.

now it's back down to under $2000. All State beat state farm by literally a couple thousand dollars.



As to being on a parents policy, wouldn't their name have to be on the car? That's just gay (well, not gay since it saves money, but I want my stuff to be my stuff). I don't want that. Specialty insurance is only $500/year through Grundy, full coverage for the two cars that I am looking at. If I put one of the cars on my current policy or a normal one (all state/state farm/progressive/etc) the premium for the new car alone is almost $10,000. **** THAT. That's why I want specialty coverage.

Last edited by ITSTOCK; 07-21-2007 at 12:51 PM.
ITSTOCK is offline   Reply With Quote
Old 07-21-2007, 12:43 PM   #12
Intercooled T
Tri-State Post Whore
 
Intercooled T's Avatar
 
Join Date: Mar 2005
Location: Fairless Hills, PA
Member #207

My Ride:
2003 Toyota Rav4

iTrader: (0)
Stay with Allstate, I just turned 25 and I'm paying $75/month. Your record must be really really bad!
__________________
2003 Toyota Rav4, 2.0L/Auto/AWD
To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

2013 Nissan Juke, 1.6T/Auto/FWD (wife's car lol
To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.
)
Intercooled T is offline   Reply With Quote
Old 07-21-2007, 12:51 PM   #13
ITSTOCK
Tri-State Post Whore
 
Join Date: Sep 2005
Member #844

 
iTrader: (0)
Quote:
Originally Posted by Intercooled T View Post
Stay with Allstate, I just turned 25 and I'm paying $75/month. Your record must be really really bad!
It's not "really really bad", but it's not clean. If I had a cheaper car and didn't want full coverage, I'm sure it would be a lot less. 2 more months and I will have had a clean record for 3 years, does that count for anythign? (NO)
ITSTOCK is offline   Reply With Quote
Old 07-21-2007, 01:29 PM   #14
cburwell
Tri-State Post Whore
 
Join Date: Apr 2005
Member #303

 
iTrader: (0)
Quote:
Originally Posted by ITSTOCK View Post
As to being on a parents policy, wouldn't their name have to be on the car? That's just gay (well, not gay since it saves money, but I want my stuff to be my stuff). I don't want that. Specialty insurance is only $500/year through Grundy, full coverage for the two cars that I am looking at. If I put one of the cars on my current policy or a normal one (all state/state farm/progressive/etc) the premium for the new car alone is almost $10,000. **** THAT. That's why I want specialty coverage.
Yes one of your parents has to have their name on your car for you to put it on their policy. The benefit of that is that sometimes their company can list other people as the primary driver of your cars, which saves more money. Although I really doubt they will be able to match $500 a year!
__________________

To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.
-
To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

"The Corvette took nearly 25 years to sell 500,000 units; the Z does it in fewer than 10."
cburwell is offline   Reply With Quote
Old 07-21-2007, 02:25 PM   #15
MPowerKai
Tri-State Post Whore
 
MPowerKai's Avatar
 
Join Date: Nov 2005
Location: NJ
Member #1011

My Ride:
Mongoose

iTrader: (4)
Send a message via AIM to MPowerKai
i pay a lot because i am 22 and live in nnj
__________________
Quote:
hmmm <3 would = any negative number, 0, 1 and 2 lol
MPowerKai is offline   Reply With Quote
Old 07-21-2007, 02:36 PM   #16
ThePrimerSuspect
Tri-State Addict
 
ThePrimerSuspect's Avatar
 
Join Date: Jan 2006
Location: philly
Member #1241

 
iTrader: (0)
Send a message via AIM to ThePrimerSuspect
Quote:
Originally Posted by ITSTOCK View Post
I have a bad record and was paying $2100/year through All State with the 03 cobra. The cobra and X5 together were over $6000.

now it's back down to under $2000. All State beat state farm by literally a couple thousand dollars.



As to being on a parents policy, wouldn't their name have to be on the car? That's just gay (well, not gay since it saves money, but I want my stuff to be my stuff). I don't want that. Specialty insurance is only $500/year through Grundy, full coverage for the two cars that I am looking at. If I put one of the cars on my current policy or a normal one (all state/state farm/progressive/etc) the premium for the new car alone is almost $10,000. **** THAT. That's why I want specialty coverage.
so wait a second. thats not fair. i pay $2800 for full coverage on the dodge and liability on the cougar. and i have a spotless record (well, until recently. and it hasnt gone up yet). living in the city ftl.
ThePrimerSuspect is offline   Reply With Quote
Old 07-21-2007, 04:11 PM   #17
den9
Tri-State Post Whore
Banned
 
den9's Avatar
 
Join Date: Dec 2005
Location: doylestown
Member #1198

My Ride:
turbo diesel

iTrader: (0)
Send a message via AIM to den9
how old are you? what kind of car are you looking at anyway?
you had a cobra, you have a X5, im guessing you want an M5 now lol
den9 is offline   Reply With Quote
Old 07-21-2007, 11:07 PM   #18
blu4door
Tri-State Aficionado
 
blu4door's Avatar
 
Join Date: Jun 2005
Location: trenton
Member #504

My Ride:
1979 ford econoline van

iTrader: (0)
YIKES, I am glad I don't have to pay your insurances.

My vehicle, my wifes vehicle, and the house together are only $1100 a year.
blu4door is offline   Reply With Quote
Old 07-22-2007, 09:15 PM   #19
den9
Tri-State Post Whore
Banned
 
den9's Avatar
 
Join Date: Dec 2005
Location: doylestown
Member #1198

My Ride:
turbo diesel

iTrader: (0)
Send a message via AIM to den9
my insurance is 2500 a year, just went down too cuz i moved to doylestown. i drive a 90 hp 4 door jetta
den9 is offline   Reply With Quote
Old 07-22-2007, 09:25 PM   #20
z'd up
Tri-State Addict
 
z'd up's Avatar
 
Join Date: Mar 2007
Location: Gap, PA
Member #3985

My Ride:
2002 Honda CBR 954rr, 94 Astro shaggin wagon

iTrader: (0)
Send a message via AIM to z'd up
i pay 163 a month for my 350z, full coverage, $100 deductable, for an 18 yr old driver with 1 accident that was my fault when i was 16


o and i now have 2 pts
and im on my own plan
__________________
aim: NOSSKYLINE88
Xbox live: HoofHearted 88


To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

^ADD ME^

Last edited by z'd up; 07-22-2007 at 09:28 PM.
z'd up is offline   Reply With Quote
Reply

Bookmarks

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Any CDL Drivers here?? jayrod16 Networking: requests and offers 4 05-17-2008 09:08 PM
I need Toyota drivers help! awd4g63 Exterior, Interior, and Electrical 4 09-07-2007 08:39 AM
Top 10 Drivers : ) italianblaze Off-Topic 6 08-01-2007 02:32 PM
****ty Drivers CHAOS General Car Related Chat 15 07-07-2006 08:29 AM
The Modern Day STi Drivers! S4toSTI Gallery 27 02-10-2006 11:20 AM


All times are GMT -4. The time now is 06:37 AM.


Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2024, vBulletin Solutions Inc.