Help! Need Cheap Insurance!

BaLListic · 12-04-2003, 06:13 PM

I really need some help here.... A 19 year old driving a 305 hp car isnt good in they eyes of insurance agents.... Anyone here have a problem with this the best quote i have got on a Mach 1 is around $1000 every 6 months! Anyone here suggest somthing?

BigCountryGT · 12-04-2003, 06:44 PM

I think that is pretty cheap considering the car and age. It will go down a lot when you reach 21. State to state insurance rates are different though.

BaLListic · 12-04-2003, 07:09 PM

its a real kick in the *** shelling out that kinda dough for somthing you will never use

or rarely.... Kinda funny though insurance companies got it whooped! big time charge all that money for somthing that isnt actually a product(well unless you wreck)....Considering i got one quote of 3700$ every 6 months ehh yeah this is pretty cheap lol...

BLACK85GT · 12-05-2003, 12:41 AM

Not taking the insurance company side, but you have to understand, to an insurance company a 19 Yr old male + 305hp = major risk.
We all went through it, you wanna play, gotto pay.

WILLIAM_ALLEN · 12-05-2003, 09:54 AM

hey,

i am a 16 year old driver. and i was getting quotes on insurance for a nova(i hate chevys by the way)(but was the only car i could afford) and my insurance was like $600 every six months. so try state farm insurance, you should find it cheap there.

BaLListic · 12-05-2003, 03:33 PM

what kinda chevy is it and is that full cover??? i dont have an issue on my other stang or my truck.... its $384 every 6 months on my truck....

BaLListic · 12-05-2003, 03:35 PM

Quote:

Not taking the insurance company side, but you have to understand, to an insurance company a 19 Yr old male + 305hp = major risk.

yeah ill admit the average person my age cant drive for ****! i was racing heavy mod racing carts at age 9 and raced all the way thru the time i was 16... i wish they could take that into consideration.....

Mach 1 · 12-06-2003, 10:34 PM

The best way to find good insurance rates is to shop around. Call at least 5 different places.

What pisses me off is that in the case that you need them, you have an accident for example, then they raise your rates! What the hell was i paying you for in the first place?

BaLListic · 12-09-2003, 06:44 PM

i have goten online quotes from probally atleast 10 different agency's the best being right around 1000$ every six months...

CADreamin · 12-09-2003, 07:04 PM

$1000 doesn't actually sound all that bad, for a Mach 1 given your age. I pay about $800 every six months with Allstate. That is for full coverage on a 98 GT, which doesn't even have close to 305hp.

I'm 27 years old, too. Turning 25 gets you a nice break on your premiums (at least in Pennsylvania), but you may have to gut it out until then.

I have pretty good coverage. You probably already know this, but if you want to try to lower your rates you can find out what the minimum required coverage levels are for your state and get a policy that reflects those minimum levels. Be prepared to absorb any losses beyond that minimum coverage though.

Personally, I don't think your going to do much better than the low quote you already have. Cheap insurance is cheap for a reason. One thing I'll say about Allstate...though they charge out the ***** they do provide pretty good service - and I've been through two stolen cars and one totalled one (not by me). They'll usually start your claim and get you in a rental within a few hours of the report.

BaLListic · 12-09-2003, 08:36 PM

actually my low quote was with allstate...... but that was state minimums...

Stang_Girl617 · 12-09-2003, 08:39 PM

Have you tried Progressive Insurance... they have some of the cheapest rates around here. My family works in insurance and they say the way to get the lowest insurance rates is get an insurance company that isnt a huge cooperation or anything... but just because you get one out of the city you live in doesnt mean you are gonna see a HUGE drop in price. Im sorry you had to be a guy

see us girls can play... and we BARELY pay... my insurance is SUPER cheap...

I hope you find a cheaper rate than that... that will break you fast

lol

Byebye

BaLListic · 12-09-2003, 08:47 PM

actually progressive gave me one of the highest quotes!

Stang_Girl617 · 12-11-2003, 09:03 PM

well I know personally I have cencinaitti ... UCK I cant spell... oh well and I have a 100 dollar deductiable full coverage and all that crap and i dont pay more than 1000 a year in insurance... but i have never had a ticket or anything. sooo... I dont know if you have or not ... BUT i do know that since you have just purchased an EVO it isnt gonna be CHEAP... lol

BLACK85GT · 12-12-2003, 12:37 AM

Quote:

Originally posted by BaLListic
actually my low quote was with allstate...... but that was state minimums...

I had state farm and just switched over to allstate for $300 year cheaper.

Titan · 12-12-2003, 10:12 AM

Check w/ statefarm again, there may be more there than a computer will tell you. I'm only 20 and I pay right a grand a year. I took one of those worthless classes and get 10% off, I have a life insurance policy which gives me multi-line, another 10% off. I also have a 3.5 GPA, so I get 25% off for grades. Talk to a local agent and find out what kinds of things you can do to get discounts. They're out there, you just need to talk to actual people, not machines.

RBatson · 12-13-2003, 04:06 PM

I have Farm Bureau, its the best price for the coverage(great coverage).

STAY AWAY FROM GEICO!!!

Mach 1 · 12-13-2003, 05:00 PM

I have Geico now and they were one of the cheapest rates when i was shopping for insurance. I live in GA now, when I lived in NY, I called a few places and Geico was the highest....Go figure?

12-04-2003, 06:13 PM	#1
BaLListic Registered Member Join Date: Nov 2003 Location: Asheboro, NC Posts: 108	Help! Need Cheap Insurance! I really need some help here.... A 19 year old driving a 305 hp car isnt good in they eyes of insurance agents.... Anyone here have a problem with this the best quote i have got on a Mach 1 is around $1000 every 6 months! Anyone here suggest somthing?

12-04-2003, 07:09 PM	#3
BaLListic Registered Member Join Date: Nov 2003 Location: Asheboro, NC Posts: 108	still though... its a real kick in the *** shelling out that kinda dough for somthing you will never use or rarely.... Kinda funny though insurance companies got it whooped! big time charge all that money for somthing that isnt actually a product(well unless you wreck)....Considering i got one quote of 3700$ every 6 months ehh yeah this is pretty cheap lol...

12-05-2003, 12:41 AM	#4
BLACK85GT Registered Member Join Date: May 2002 Location: Tampa,FLORIDA Posts: 340	Not taking the insurance company side, but you have to understand, to an insurance company a 19 Yr old male + 305hp = major risk. We all went through it, you wanna play, gotto pay. __________________ 5.0, Holley heads, 1.7 Scorp Rockers, Stealth intake, Holley 600 carb, Holley Mech. Fuel pump, MSD 6Digital, MSD distributor, Hotchkis upper/lower rear control arms, FMS B Springs, 3:73 (8.8) rear. Production # 9,377

12-05-2003, 09:54 AM	#5
WILLIAM_ALLEN Registered Member Join Date: Dec 2003 Location: tennessee Posts: 2	cheap insurance hey, i am a 16 year old driver. and i was getting quotes on insurance for a nova(i hate chevys by the way)(but was the only car i could afford) and my insurance was like $600 every six months. so try state farm insurance, you should find it cheap there.

12-05-2003, 03:33 PM	#6
BaLListic Registered Member Join Date: Nov 2003 Location: Asheboro, NC Posts: 108	what kinda chevy? what kinda chevy is it and is that full cover??? i dont have an issue on my other stang or my truck.... its $384 every 6 months on my truck....

12-04-2003, 06:44 PM	#2
BigCountryGT Registered Member Join Date: Jul 2003 Location: meridian, ms Posts: 96	I think that is pretty cheap considering the car and age. It will go down a lot when you reach 21. State to state insurance rates are different though.

12-06-2003, 10:34 PM	#8
Mach 1 Registered Member Join Date: May 1999 Location: Georgia Posts: 3,866	The best way to find good insurance rates is to shop around. Call at least 5 different places. What pisses me off is that in the case that you need them, you have an accident for example, then they raise your rates! What the hell was i paying you for in the first place? __________________ 2002 GT 1993 GT (SOLD) '93 Mustang GT RHC member #142

12-09-2003, 06:44 PM	#9
BaLListic Registered Member Join Date: Nov 2003 Location: Asheboro, NC Posts: 108	i have goten online quotes from probally atleast 10 different agency's the best being right around 1000$ every six months...

12-09-2003, 07:04 PM	#10
CADreamin Registered Member Join Date: Dec 2002 Posts: 93	$1000 doesn't actually sound all that bad, for a Mach 1 given your age. I pay about $800 every six months with Allstate. That is for full coverage on a 98 GT, which doesn't even have close to 305hp. I'm 27 years old, too. Turning 25 gets you a nice break on your premiums (at least in Pennsylvania), but you may have to gut it out until then. I have pretty good coverage. You probably already know this, but if you want to try to lower your rates you can find out what the minimum required coverage levels are for your state and get a policy that reflects those minimum levels. Be prepared to absorb any losses beyond that minimum coverage though. Personally, I don't think your going to do much better than the low quote you already have. Cheap insurance is cheap for a reason. One thing I'll say about Allstate...though they charge out the ***** they do provide pretty good service - and I've been through two stolen cars and one totalled one (not by me). They'll usually start your claim and get you in a rental within a few hours of the report. __________________ Greg 98 Mustang GT Coupe

12-09-2003, 08:36 PM	#11
BaLListic Registered Member Join Date: Nov 2003 Location: Asheboro, NC Posts: 108	nice... actually my low quote was with allstate...... but that was state minimums...

12-09-2003, 08:39 PM	#12
Stang_Girl617 Registered Member Join Date: Oct 2003 Location: Georgia! Posts: 139	Have you tried Progressive Insurance... they have some of the cheapest rates around here. My family works in insurance and they say the way to get the lowest insurance rates is get an insurance company that isnt a huge cooperation or anything... but just because you get one out of the city you live in doesnt mean you are gonna see a HUGE drop in price. Im sorry you had to be a guy see us girls can play... and we BARELY pay... my insurance is SUPER cheap... I hope you find a cheaper rate than that... that will break you fast lol Byebye __________________ JERRI 2000 V6 Stang so far only exaust and BBK CAI

12-09-2003, 08:47 PM	#13
BaLListic Registered Member Join Date: Nov 2003 Location: Asheboro, NC Posts: 108	yeah it sucks actually progressive gave me one of the highest quotes!

12-11-2003, 09:03 PM	#14
Stang_Girl617 Registered Member Join Date: Oct 2003 Location: Georgia! Posts: 139	well I know personally I have cencinaitti ... UCK I cant spell... oh well and I have a 100 dollar deductiable full coverage and all that crap and i dont pay more than 1000 a year in insurance... but i have never had a ticket or anything. sooo... I dont know if you have or not ... BUT i do know that since you have just purchased an EVO it isnt gonna be CHEAP... lol __________________ JERRI 2000 V6 Stang so far only exaust and BBK CAI

12-12-2003, 10:12 AM	#16
Titan Registered Member Join Date: Jul 2002 Location: Atlanta Posts: 296	45% off state farm Check w/ statefarm again, there may be more there than a computer will tell you. I'm only 20 and I pay right a grand a year. I took one of those worthless classes and get 10% off, I have a life insurance policy which gives me multi-line, another 10% off. I also have a 3.5 GPA, so I get 25% off for grades. Talk to a local agent and find out what kinds of things you can do to get discounts. They're out there, you just need to talk to actual people, not machines. __________________ Current Sophomore -- Mechanical Engineering Black on Black 98' GT 5-Speed Mods = Stuff

12-13-2003, 04:06 PM	#17
RBatson Registered Member Join Date: May 1997 Posts: 3,028	I have Farm Bureau, its the best price for the coverage(great coverage). STAY AWAY FROM GEICO!!! __________________ Tis better to be hated for what you are than loved for what you are not.

12-13-2003, 05:00 PM	#18
Mach 1 Registered Member Join Date: May 1999 Location: Georgia Posts: 3,866	I have Geico now and they were one of the cheapest rates when i was shopping for insurance. I live in GA now, when I lived in NY, I called a few places and Geico was the highest....Go figure? __________________ 2002 GT 1993 GT (SOLD) '93 Mustang GT RHC member #142

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