insurance on a 5.0

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12-16-2007, 09:32 PM

#11

94Yellow50

4th Gear Member

Join Date: Jan 2007

Location: Illinois

Posts: 1,120

RE: insurance on a 5.0

dam....guess i lucked out...since ive had my mustang...within first week i got a burnout ticket..3 days after the cop gave it to me..he came to my house..n handed me the ticket..in two pieces..gotta love small towns lol..then got in the town right be me pulled over for a burnout..apparently cop was right hind me when i lit em up..was funny..another small town..i knew that cop to..just pulled over..didnt even wait for him to put the lights on..he walks up..n i just go..i f'ed up didnt i..hes like yep..but next time do it in the country..n told me to leave...then in the town where my highschool was never got seen by the cop but 2 people had called me in at different times..luckily theres another yellow mustang in that town..so i blamed him...then got pulled for speeding..let off..then finally the state got me one day on the way to school 78 in 55...no front tag...so i probably woulda been lookin at some points on that one..but paid the ticket, court supervision...and after 3 months its all gone..never happened...well anyway.done hijacking lol..thanks for the explanation

12-16-2007, 09:32 PM

#12

mjr46

D.R. THE PATHETIC DORK

Join Date: Jun 2007

Location: West Virginia

Posts: 30,863

RE: insurance on a 5.0

Quote:

ORIGINAL: Tberg725

Quote:

ORIGINAL: mjr46

Quote:

ORIGINAL: 94Yellow50

not to go off the topic but explain to me the points deal...we dont have it in illinois...and i never understood it

any moving violation that carries a conviction or like if you pay the fine/infraction = conviction admission of guilt..anyway each such infraction whatever it may be carries a point value and when you incure 12 points in less than a 8 year period I believe in maryland?? your licence is suspended and here after a 3 year period the points are removed from your record I believe..anyway it works like that in a way here

in michigan after 2 years your points are removed

Maryland I believe it's two years for the state also but the insurance company carries it for 3 years and your freakin' rate is increased too!![:'(]during that time period..so you end up paying out the ace in the end!!!

12-17-2007, 10:44 PM

#13

x1n54n3x

1st Gear Member

Join Date: Nov 2006

Location:

Posts: 133

RE: insurance on a 5.0

if you have another car in the family put your name on that and a parent on the mustang...if youre not on any car, even after you have 3 years driving experience, youre still considered a beginner driver for 3 years once youre put on your own car. so basically if youre not on a car at all youre just prolonging your high rates. i was on my little brothers thunderbird, he was on my moms trailblazer, and my mom was on my 5.0. that way everythings insured and you still get the driving experience (in the insurance company's eyes)

12-20-2007, 06:50 PM

#14

50Stocker

2nd Gear Member

Join Date: Nov 2007

Location: Phoenix, AZ

Posts: 336

RE: insurance on a 5.0

yeah, you can play all the games you want with the rates, but if you are in the mustang and are in an accident and not rated on that particular car, they check that and send a notice to underwriting (basically the rate risk/cost control department) and surprise surprise in the pocket when it is time to renew!