Insurance

[Orefus]

yea anyways i was charring with johhnymufiv and he told me he payes 120 dollars a YEAR for insurance, and hes 17. I know hes bsing, but it raised a question in my head. How much do you guys pay for insurance, and how can you lower your rates?

johnnynumfiv: its only 120 bucks a year for my insurance

[Rockefella]

yea anyways i was charring with johhnymufiv and he told me he payes 120 dollars a YEAR for insurance, and hes 17. I know hes bsing, but it raised a question in my head. How much do you guys pay for insurance, and how can you lower your rates?

johnnynumfiv: its only 120 bucks a year for my insurance
That wasn't a good idea singling out Johnny like that, but whatever. I believe him..

[ruim20]

well i'm almost 25 and i've had my license for about 6 years and i pay almost 250€ for my insurance... but this is Portugal so i dont know what the rate would be over there, i guess that here it's very pricy!

[johnnynumfiv]

You are an idiot orefus. My dad is a teacher and gets great benefits, which include great insurance, then add in my drivers ed discount, and me being an honor student, and it comes out to be $120.

[Orefus]

riiiiight, what teacher is he. my mom is a teacher and she dosent get any benefits.

[Esperante]

You live in Chicago. He lives in Conneticut. Of course, everything that applies in Chicago applies on the East Coast, right?

[johnnynumfiv]

He is a middle school tech ed teacher, 30+ years of teaching.

[Orefus]

yea how the hell is insurance a benefit dude?

[johnnynumfiv]

Teacher's insurance, there is a company that does insurance for teachers, its rediculously cheap and great.

[Orefus]

o yea? what is it, if u can get it then so can i.

[johnnynumfiv]

I don't know the exact name of the company they do it through the board of ed, and btw, stfu.

[taz_rocks_miami]

o yea? what is it, if u can get it then so can i.

It's clear your arguing just for the sake of it Orefus, johnnynumfiv is a long time member and a well respected one at that. If you don't believe him, that's your problem.

[Orefus]

i like ur new icon, but the old one fits ur name better.

[baddabang]

I pay like $300, you lucky BUG!!!!

[IWantAnAudiRS6]

It's ridiculous in the UK. $2800 a YEAR fully comp on a 1.0 Lupo for a first time driver. Outrageous.

[Matra et Alpine]

It's ridiculous in the UK. $2800 a YEAR fully comp on a 1.0 Lupo for a first time driver. Outrageous.
Or alternatively Fully Comp on a Quantum 1.6 for an 18 year old first time driver for $400 :)

Go kit cars :D

[h00t_h00t]

What is that a month or something?

[Orefus]

I pay like $300, you lucky BUG!!!!


a year or month?

[baddabang]

its $300 every 6 months so that would be $600 per year.

[Bob]

What do you drive? I have a cousin in Wilkes-Barre who paid more than the cost of his car in two years of insurance.

[johnnynumfiv]

I drive a '04 Dodge Dakota V8, but I am secondary on the insurance, my dad is primary because it is cheaper for me and him that way.

[TheOne]

am primary driver, pay $350 every 6 months ofr liability on the 240sx.

[Orefus]

hey guys post ur age aswell please.

[clutch-monkey]

19, i'm the primary driver i pay $300AUD a year because i only have a 4cyl honda :D
if i had a monaro it would be $1000AUD
i'm insured for dad's car for $200AUD a year but thats only cos i drive it 10% of the time.

[Spastik_Roach]

hey guys post ur age aswell please.

I think I.Q level should be noted aswell. in your case double digit binary..

[Matra et Alpine]

I think I.Q level should be noted aswell. in your case double digit binary..
lay off S_R, age is an important part of the equation for insurance in some countries if not all, it was a reasonable request ........

[Orefus]

how the hell do you guys pay so little? My insurance would cost 2000 dollars a year, so i drive without it. Its retarted. U pay insurance, get into a accident, and they raise ur rates, so basically you pay for the accident yourself.

[Matra et Alpine]

sorry O, THE most "retarded" thing is to drive a car without insurance !!!!

If you cant' afford the insurance then take the bus or walk.

Your insurance also pays for OTHERS in the event of an accident.

Please tell me you're joking ..............

[johnnynumfiv]

Here in connecticut, it is illegal to drive without insurance, and the state will take your vehicle if it is not insured.

[Matra et Alpine]

It's illegal to drive a car without insurance here to.

BUT ..........

There are seemingly 1.5million drivers on British roads who are uninsured !!!

Currently it is a fixed penalty of 200 pounds. So for a young driver it is 1/10th of the cost of insurance so little surprise that some criminals chose that option and take the risk of beign caught !!!

This is curretnly out for review with various suggestions for increased fixed penalty as well as impounding the vehicle - which is now possibel fi road tax isnt' paid. The latter is being setup to become fairly automatic with the latest generation license plate identification video cameras linked to comptuer database for automatic detection. It's being proposed that IF insurance was made a criminal offence then they coudl integrate this with road tax avoidanc eand automatically detect uninsured cars on the road. I favour this as it will be MUCH more difficult to avoid detection.

[clutch-monkey]

how the hell do you guys pay so little? My insurance would cost 2000 dollars a year, so i drive without it. Its retarted. U pay insurance, get into a accident, and they raise ur rates, so basically you pay for the accident yourself.
in my case i deal with a fairly sane insurance company through dads business - using a private company cuts through a lot of the shit you have to deal with normally ;)

[Quiggs]

how the hell do you guys pay so little? My insurance would cost 2000 dollars a year, so i drive without it. Its retarted. U pay insurance, get into a accident, and they raise ur rates, so basically you pay for the accident yourself.
Thank you for raising my rates.

[Smithy]

ya...way to go... :p i'm 16 and pay around 60 a month...

[h00t_h00t]

Thank you for raising my rates.
He doesn't really have a car, remember the 20-30 threads he made about which to get?

[rev440]

Who knows what i pay i dont pay it my parents do.

[Orefus]

yea i do, i want a new one tho.