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insurance? wat do u guys have?

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Old 07-29-2006, 02:53 AM
  #11  
TonySTiX
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Default RE: insurance? wat do u guys have?


ORIGINAL: randy78045


ORIGINAL: straitwangin

im 18 and i pay 1050 in 6 months on my gt. i was thinking about switching to just liability which covers the state minuim here in IL. my rates will drop to less than half about 400 in 6 months.

i know the risks that just having liability but at that rate ill pay for the car in a few years and i fell im just throwing money away.

just wanted to know if u guys have full coverage or labality?
Dont take me the wrong way, but the reason that your rates are higher than older people is cuz you all get into more accidents... you may be the exception, but more mods, more racing, etc... you might just get into an accident that is your fault an that would cost you more than your projected savings...
True, but rates are always higher in places like NY. And if ur accident or summons prone, you're pretty much f*cked.
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Old 07-29-2006, 03:00 AM
  #12  
St4ng07
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Default RE: insurance? wat do u guys have?

16 years old 160$ a month full coverage. Thats without some savings though so when school starts...prolly be around 140$
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Old 07-29-2006, 03:01 AM
  #13  
46blueStang
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stick with the full coverage man, im 18 as well and i pay alittle more than taht but i have 2 stangs but its well worth it, if you get in a accident there goes all your money for more mods, then you will be spending the money on
making your car look right again, try allstate insurance they are pretty good i get a student discount and if your accident free for a period of time you get your rates dropped alot. trust me stay with full coverage
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Old 07-29-2006, 03:04 AM
  #14  
GT_Bob
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Default RE: insurance? wat do u guys have?


ORIGINAL: straitwangin

im 18 and i pay 1050 in 6 months on my gt. i was thinking about switching to just liability which covers the state minuim here in IL. my rates will drop to less than half about 400 in 6 months.

i know the risks that just having liability but at that rate ill pay for the car in a few years and i fell im just throwing money away.

just wanted to know if u guys have full coverage or labality?
I'm almost twice your age and I pay wayyy less than that for the whole year. See, there are advantages of being "old". Nonetheless, although I do see your point about saving money with only liability, you are risking everything without comprehensive. As you know, without comprehensive, any damage done to your vehicle by you is your problem, not the insurance companies. I'd keep full coverage at your age. No disrespect, but you are in the high risk age group. That's just life. Then there are non-insured motorist hazards to look out for. Keep the "full" coverage and maybe tweak the coverage amounts and deductible.

[>:]
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Old 07-29-2006, 03:13 AM
  #15  
Airman21
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ORIGINAL: JPGT_00

If your Military USAA is the way to go 130 for a 00GT and a 4x4 RAM
not always tru... i was paying 350/month for my gt through USAA (clean record and everything)but i got married and made my wife primary now it is 260/month for my gt and 98 olds bravada
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Old 07-29-2006, 03:22 AM
  #16  
Califax
 
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$3200 a year, 17 yearold, 2003 5 Speed GT
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Old 07-29-2006, 03:24 AM
  #17  
Hash06
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im 18 with full coverage and i pay 800 every six months
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Old 07-29-2006, 03:26 AM
  #18  
SXGT
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Farm Buero - personal - $65 a month
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Old 07-29-2006, 03:59 AM
  #19  
98HossGT
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200 a month
19 yrs old
one speeding ticket
and waiting to go up next year because i got one more speeding ticket this year and another one for driving with my headlights off at night(couldn't tell with all the lights in the city, just had my parking lights on didn't realize i didn't pull the lamp switch all the way out)
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Old 07-29-2006, 04:00 AM
  #20  
JPGT_00
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If I had to pay 3200 a year for car insurence I would buy a bicycle.
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