Any Specialty Insurance For Drivers Under 25? - TriStateTuners.com :: Home of Tristate Auto Enthusiast

ITSTOCK · 07-20-2007, 06:05 PM

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?

05GT · 07-20-2007, 06:40 PM

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.

Nors · 07-20-2007, 06:49 PM

Quote:

Originally Posted by 05GT

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.

05GT · 07-20-2007, 07:18 PM

Quote:

Originally Posted by Nors

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.

smg267 · 07-20-2007, 07:25 PM

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

Vypurr · 07-20-2007, 07:48 PM

Quote:

Originally Posted by Nors

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!

ThePrimerSuspect · 07-20-2007, 08:48 PM

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.

LS2GTO · 07-21-2007, 12:50 AM

$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...

Nors · 07-21-2007, 08:53 AM

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.

CHAOS · 07-21-2007, 08:55 AM

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.

ITSTOCK · 07-21-2007, 12:35 PM

Quote:

Originally Posted by smg267

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.

Intercooled T · 07-21-2007, 12:43 PM

Stay with Allstate, I just turned 25 and I'm paying $75/month. Your record must be really really bad!

ITSTOCK · 07-21-2007, 12:51 PM

Quote:

Originally Posted by Intercooled T

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)

cburwell · 07-21-2007, 01:29 PM

Quote:

Originally Posted by ITSTOCK

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!

MPowerKai · 07-21-2007, 02:25 PM

i pay a lot because i am 22 and live in nnj

ThePrimerSuspect · 07-21-2007, 02:36 PM

Quote:

Originally Posted by ITSTOCK

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.

den9 · 07-21-2007, 04:11 PM

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

blu4door · 07-21-2007, 11:07 PM

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.

den9 · 07-22-2007, 09:15 PM

my insurance is 2500 a year, just went down too cuz i moved to doylestown. i drive a 90 hp 4 door jetta

z'd up · 07-22-2007, 09:25 PM

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

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?

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)	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

07-21-2007, 12:43 PM	#12
Intercooled T Tri-State Post Whore 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. )

07-22-2007, 09:25 PM	#20
z'd up Tri-State Addict Join Date: Mar 2007 Location: Gap, PA Member #3985 My Ride: 2002 Honda CBR 954rr, 94 Astro shaggin wagon iTrader: (0)	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.

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07-20-2007, 06:40 PM	#2
05GT The TST IT Ninja 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.

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

07-20-2007, 08:48 PM	#7
ThePrimerSuspect Tri-State Addict Join Date: Jan 2006 Location: philly Member #1241 iTrader: (0)	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.

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...

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.

07-21-2007, 04:11 PM	#17
den9 Tri-State Post Whore Banned Join Date: Dec 2005 Location: doylestown Member #1198 My Ride: turbo diesel iTrader: (0)	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

07-21-2007, 11:07 PM	#18
blu4door Tri-State Aficionado 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.

07-22-2007, 09:15 PM	#19
den9 Tri-State Post Whore Banned Join Date: Dec 2005 Location: doylestown Member #1198 My Ride: turbo diesel iTrader: (0)	my insurance is 2500 a year, just went down too cuz i moved to doylestown. i drive a 90 hp 4 door jetta

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