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Discussion Starter #1
hey, how much do you all pay for insurance? I have State Farm insurance and I USED to pay $80 a month. Well, I got in a $5000 wreck a year and a half ago, and it finally showed up on my insurance. now I pay $240 a month!! isn't that crazy?! can anyone recommend me some different insurance companies? i am turning 19 next week...by the way, my insurance told me that if I want to get my rate down to $100 a month, I have to have proof of a 3.0 in college, have proof of driver's ed, and an equivalent to a 1996 Geo Metro. - God no, not a metro!! i need help/info, please!!!!
 

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My insurance company explained it like this to me:

they go by a points system (vehicle-wise)

a honda civic or toyota corolla is about 13pts.

a mustang gt is about 21 pts.


My 200sx se is about 19 pts.
A sentra is about 14 pts.

I tried to convince them I just had a 2 door sentra, but she didn't believe me :p
 

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SIMPLICITY is the KEY
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I'm w/State Farm aswell. Yes, it does bring down your rate if you go to school full time, a 3.0 GPA, and a good licence record helps(no tickets, no accidents). Before I was 21 I was paying about 210/month, now I'm paying them 110/month. It's goes even lower when you turn 24. You should as "geacco"(sp)?
 

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SR22 <OUCH!>, 1 Drag Racing Charge <Dammit!> , 2 theft under $1000 <Pricks!> , and no other tickets, and I'll be paying less than $1500 for Full coverage on a 91 Civic Si, and Liability on my SE-R. Cool.
 

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Discussion Starter #8
wow, some of you guys pay a lot! well, here's the thing though. if i switch insurance companies, will they get everything that is on my record?? because i have 2 speeding tickets, 1 racing ticket, that $5000 wreck, vandalism, and vandalism/theft, buuuut, only the wreck has shown up on my state farm insurance. The funny thing is, my brother has a 99 toyota camry and is only paying $90 a month. geico, is that a good place? maybe i'll call around because i do not want to give up my 200sx, or else i will have a shitty ass car or i'll be riding a scooter or bike everywhere.
 

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HYDYST?
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Whoever you try, they will run your drivers license.
Usually, ins cos don't share specific records with each other unless they are settling a claim.

In general, it is at fault claims and tickets that raise your rates.

Ive totalled a 6mo old car, had two windows (break ins) and a windshield replaced (from debris), and three paint repairs for scratches and dents done (parking lots). Had a new wheel, tire and strut assembly replaced along with minor body work and more paint from an unavoidable road hazard.(Damn SUVs)
No insurance penalties because it was not my fault each time.

For tickets, I've been told by my agent that one speeding ticket is a freeby. I currently have none but when I did have one, no rate increase.

Also, there are two versions of State Farm. regular and Mutual. The mutual is much cheaper.

Get a copy of your drivng record from the DMV and shop around. Good luck!
 

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P.O.S. Truckdriver
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i pay $790 every 6 months. someone stole my speakers and amp once, which they paid for and i have one ticket which i do not think effects my rate. the thing that's getting me is that i lost my good student discount bc i had surgery and took a semester break and i did not take driver's ed in high school bc at the time i was paying $150 or so every 6 months on a '85 s-10 :p good luck on finding a deal. btw i have state farm.
 

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Discussion Starter #14
yah, i think i'll do just that, get a record from dmv and shop around. the problem is, i just got ANOTHER ticket last night!! it was for an improper right turn, which i did very properly, the cop just didn't see! so now i'm going to have to plead non guilty, and i doubtfully will beat it because cops never lose...so now, i'll probably get my license revoked because i have had 4 tickets in the last 2.2 years. what's the law about getting your license revoked/suspended?
 

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HYDYST?
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Sorry about the ticket.:(
If you hurry, you could probably get insurance before it goes on your record.
For beating the ticket, the best way is to try and change it to a time the officer can't show up. Even if you can't change the court date, the officer still might not show up.
If that is the case, it should be dismissed unless you plead guilty.
I don't know what the laws are in OR. YMMV Usually stuff comes off your license in 3 yrs. The improper turn may also not be a pt giving offense, or if it is, not as many pts as speeding. It is the total points on your record that count, you may still be below the suspension limit.
Call your DMV for a list of point values given for infractions, and total points for suspension.
Good luck:)
 

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I am an attorney in missouri. We are on the points system,
and it is standard operating procedure around these parts to have an attorney get an amendment to some minor charge that is no points, or one that isn't reported to the dept. of rev. It does cost at the time, but saves you later. It is also possible in many jurisdictions to have tickets you already pled "set aside" and repled to such an amendment. Call a local attorney and find out what the procedure is in your jurisdiction.


Russellc
 

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I am 16 and have been for 4 months i was paying $130 on ym 200sx SE, that was BEFORE i totalled my moms 2000 sentra. They are still "evaluating" so i wont know what its going to be for while.
 

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ga16freak said:
I am 16 and have been for 4 months i was paying $130 on ym 200sx SE, that was BEFORE i totalled my moms 2000 sentra. They are still "evaluating" so i wont know what its going to be for while.
I pay $80 a month for liability. I'm from North Dakota, and we use a 12 point system. I have 9 points on my licence. oops :rolleyes:
 

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I got you all beat 24 bucks a month....thats right 24 and my parents dont pay any of it thats all i pay its in my dads name and im listed as occasional driver haha..i kinda want to get full coverage but im afraid that insurance company will wise up lol
 
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