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Discussion: Insurance: Claim as myself or as occasional?

  1. #1
    Platinum Racer

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    Insurance: Claim as myself or as occasional?

    Hi,

    I am 22 yrs of age, absolutely no tickets no points deducted. 100% clean record since I was 16. Thinking about getting a 92 civic HB. Would I get the best priced insurance if...



    1) I registered the car under my name

    2) I registered a family member (grandmother) and then assigned myself as 2nd or occasional driver.



    About how much would I be paying?



    Thanks


  2. #2
    Avatar de MyRidzPhucked
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    you'll be paying like 400$ or less for the whole year one way.

    put it in your name, to avoid complications of any sort.

    you're not registering a bmw so dont worry about huge costs.
    Citation Envoyé par sir_NINJA
    ya we should also file a complaint to the olf because monster is a English company why is he using this product go find some quebecer energy drink you fraud, he probably listens to english music watches english movies as well like all the other hyprocrite french people, if your so discriminatory about you fucking culture you shouldn't be allowed to have he benefits of other cultures you racists fucks go fuck yourselves tired of your bullshit language and laws wtf are they all so proud for there ancestors are all the scum and degenereates sent over from France guess that's why they still act like this.

    2007 Silverado, 2006 Ford Freestyle, 1991 GMC 1500 (3rd scrap truck), 91 bmw 318is (ice racer), 1987 Cutlass (project), 93 Talon tsi turbo, 1984 s15 4x4 (mudder), 87 Blazer 4x4 (barn truck), 93 Colt (tsi project),1997 Suzuki Esteem (derby car), 1996 Honda prelude (parting out), 96 mazda mx3 ( st eustache enduro), 1996 subaru imprezza ( ice racer) , 2004 vw beetle (parting out), 2001 bonneville ssei (rebuilding), 1996 bmw 325i (parting out), 1985 s10 (parts truck), 1995 dodge ram 1500 (farm/plow truck), 1996 nissan altima (derby car), 1998 bmw 325 (parting out).. Sell me yours.

  3. #3
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    Citation Envoyé par MyRidzPhucked
    you'll be paying like 400$ or less for the whole year one way.

    put it in your name, to avoid complications of any sort.

    you're not registering a bmw so dont worry about huge costs.


    Only 400$ for one way? I'm guessing it wouldnt be worth getting 2 way. Anyone else have any estimates or suggestions?

  4. #4
    Street Freak

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    Im jealous, I only got 12" magz.

  5. #5
    Avatar de MyRidzPhucked
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    no way in hell is it worth it for a 92 civic.

    we cant give you quotes because we arent you lol

    you'll have to call around for that yourself.
    Citation Envoyé par sir_NINJA
    ya we should also file a complaint to the olf because monster is a English company why is he using this product go find some quebecer energy drink you fraud, he probably listens to english music watches english movies as well like all the other hyprocrite french people, if your so discriminatory about you fucking culture you shouldn't be allowed to have he benefits of other cultures you racists fucks go fuck yourselves tired of your bullshit language and laws wtf are they all so proud for there ancestors are all the scum and degenereates sent over from France guess that's why they still act like this.

    2007 Silverado, 2006 Ford Freestyle, 1991 GMC 1500 (3rd scrap truck), 91 bmw 318is (ice racer), 1987 Cutlass (project), 93 Talon tsi turbo, 1984 s15 4x4 (mudder), 87 Blazer 4x4 (barn truck), 93 Colt (tsi project),1997 Suzuki Esteem (derby car), 1996 Honda prelude (parting out), 96 mazda mx3 ( st eustache enduro), 1996 subaru imprezza ( ice racer) , 2004 vw beetle (parting out), 2001 bonneville ssei (rebuilding), 1996 bmw 325i (parting out), 1985 s10 (parts truck), 1995 dodge ram 1500 (farm/plow truck), 1996 nissan altima (derby car), 1998 bmw 325 (parting out).. Sell me yours.

  6. #6
    Avatar de MyRidzPhucked
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    And i'm only "quoting" 400$

    my 1990 corolla was 320$, and i've had 3 accidents. and i'm with a broker, regular insurance wont insure me

    so you're looking at a very good rate. Besides, if you crash, at least you're covered for life threatening problems.. if you break the car, parts are literally a dime a dozen.
    Citation Envoyé par sir_NINJA
    ya we should also file a complaint to the olf because monster is a English company why is he using this product go find some quebecer energy drink you fraud, he probably listens to english music watches english movies as well like all the other hyprocrite french people, if your so discriminatory about you fucking culture you shouldn't be allowed to have he benefits of other cultures you racists fucks go fuck yourselves tired of your bullshit language and laws wtf are they all so proud for there ancestors are all the scum and degenereates sent over from France guess that's why they still act like this.

    2007 Silverado, 2006 Ford Freestyle, 1991 GMC 1500 (3rd scrap truck), 91 bmw 318is (ice racer), 1987 Cutlass (project), 93 Talon tsi turbo, 1984 s15 4x4 (mudder), 87 Blazer 4x4 (barn truck), 93 Colt (tsi project),1997 Suzuki Esteem (derby car), 1996 Honda prelude (parting out), 96 mazda mx3 ( st eustache enduro), 1996 subaru imprezza ( ice racer) , 2004 vw beetle (parting out), 2001 bonneville ssei (rebuilding), 1996 bmw 325i (parting out), 1985 s10 (parts truck), 1995 dodge ram 1500 (farm/plow truck), 1996 nissan altima (derby car), 1998 bmw 325 (parting out).. Sell me yours.

  7. #7
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    Citation Envoyé par GeoMetro
    Im jealous, I only got 12" magz.
    Haha its all good... good things come in small packages... hahaha

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    400$/year is insane. More like 250-300$ One way under your own name as full time driver.
    ABD Autosport
    816 Harwood, Vaudreuil-Dorion. 450-424-3880

  9. #9
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    at 22 it's probably more like $400 for a $1000 car.

    i pay about $250 for that amount and i'm past 25.
    Citation Envoyé par Carbon_Blue_GT Voir le message
    Ca prennait bien un trou de cul pour crééer une situation de marde et mourrir d'un cancer de l'anus
    Citation Envoyé par CRNKY
    63 genders now can fight over who's got the bigger wage gap

  10. #10
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    Im using all those online quote websites... and I am getting premiums that are above 1000$... are they known to be innaccurate?

  11. #11
    Avatar de SlammedEF
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    For my 90 Civic, I am paying about 200$/year. and I got the contract when I was 20.
    ThirteenInchMags, I will give you a number of a company to call and ask.
    ABD Autosport
    816 Harwood, Vaudreuil-Dorion. 450-424-3880

  12. #12
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    just call..

    try this one, i find it accurate.

    http://www.kanetix.ca/

    just remember, the value of your car has a big impact.
    Citation Envoyé par Carbon_Blue_GT Voir le message
    Ca prennait bien un trou de cul pour crééer une situation de marde et mourrir d'un cancer de l'anus
    Citation Envoyé par CRNKY
    63 genders now can fight over who's got the bigger wage gap

  13. #13
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    Does this mean ONE WAY coverage?

    Third Party Liability Coverage*: $1,000,000

    Collision or Upset Deductible*: No Coverage

    Comprehensive Deductible*: No Coverage

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    just be careful if your putting your self as occasional driver....On my old car, I was 3rd and I had a accident and totalled the car. The guy from the insurance company almost refused my claim (Insurance fraud) cause he knew the car was mine and not actually the first drivers (my mom) since it was lowered, rims, skirt, muffler...and ws done to save money. At the end he paid the claim but I had to back pay my whole insurance policy....

  15. #15
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    vladjet, They are more expensive then the company I deal with lol.
    ABD Autosport
    816 Harwood, Vaudreuil-Dorion. 450-424-3880

  16. #16
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    Citation Envoyé par SlammedEF
    vladjet, They are more expensive then the company I deal with lol.


    Hey, could you PM me with details. Thanks

  17. #17
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    do NOT go to liberty mutual.

    they were charging me 3300$ one way for my talon's... well, one at a time, but i've had a few.. anyways I went to a broker and i'm now paying 900$


    this is after 3 accidents, its turbocharged, 2 door sports car. your civic seriously shouldnt be over 300$. dont stop looking for insurance and dont go for that online crap. talk to a broker or insurance adjuster in person.
    Citation Envoyé par sir_NINJA
    ya we should also file a complaint to the olf because monster is a English company why is he using this product go find some quebecer energy drink you fraud, he probably listens to english music watches english movies as well like all the other hyprocrite french people, if your so discriminatory about you fucking culture you shouldn't be allowed to have he benefits of other cultures you racists fucks go fuck yourselves tired of your bullshit language and laws wtf are they all so proud for there ancestors are all the scum and degenereates sent over from France guess that's why they still act like this.

    2007 Silverado, 2006 Ford Freestyle, 1991 GMC 1500 (3rd scrap truck), 91 bmw 318is (ice racer), 1987 Cutlass (project), 93 Talon tsi turbo, 1984 s15 4x4 (mudder), 87 Blazer 4x4 (barn truck), 93 Colt (tsi project),1997 Suzuki Esteem (derby car), 1996 Honda prelude (parting out), 96 mazda mx3 ( st eustache enduro), 1996 subaru imprezza ( ice racer) , 2004 vw beetle (parting out), 2001 bonneville ssei (rebuilding), 1996 bmw 325i (parting out), 1985 s10 (parts truck), 1995 dodge ram 1500 (farm/plow truck), 1996 nissan altima (derby car), 1998 bmw 325 (parting out).. Sell me yours.

  18. #18
    Avatar de JFCK
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    You'll never pay 400$ when you're 22, I'm 17, first car, first driver, and I'm paying 360$, for a Toyota Paseo. But a civic may be more, I don't know !

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    no one pays for two way full coverage unless the car is new.

    i pay 180.00 for a 1988 16V scirocco and 230.00 for a 1997 civic.

    per year of course
    Still dwelling on the SCRAPYARD issue.
    FOR SALE Kodiak FULLY POLISHED LIPS AND CHROME/GOLD/SS BOLTS FOR YOUR BBS WHEELS
    15X2- 30 holes = 250.00 each
    15X1.5- 30 holes = 225.00 each
    Chrome = 337.00 for 120 bolts shipped
    Gold = 379.00 for 120 bolts shipped
    Epic Pwned threads
    http://montrealracing.com/forums/sho...ight=5K+wheels
    http://montrealracing.com/forums/sho...0+dollar+bills

  20. #20
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    Citation Envoyé par scirocco16valve
    no one pays for two way full coverage unless the car is new.

    i pay 180.00 for a 1988 16V scirocco and 230.00 for a 1997 civic.

    per year of course




    that doesnt count you're twice our age
    Citation Envoyé par sir_NINJA
    ya we should also file a complaint to the olf because monster is a English company why is he using this product go find some quebecer energy drink you fraud, he probably listens to english music watches english movies as well like all the other hyprocrite french people, if your so discriminatory about you fucking culture you shouldn't be allowed to have he benefits of other cultures you racists fucks go fuck yourselves tired of your bullshit language and laws wtf are they all so proud for there ancestors are all the scum and degenereates sent over from France guess that's why they still act like this.

    2007 Silverado, 2006 Ford Freestyle, 1991 GMC 1500 (3rd scrap truck), 91 bmw 318is (ice racer), 1987 Cutlass (project), 93 Talon tsi turbo, 1984 s15 4x4 (mudder), 87 Blazer 4x4 (barn truck), 93 Colt (tsi project),1997 Suzuki Esteem (derby car), 1996 Honda prelude (parting out), 96 mazda mx3 ( st eustache enduro), 1996 subaru imprezza ( ice racer) , 2004 vw beetle (parting out), 2001 bonneville ssei (rebuilding), 1996 bmw 325i (parting out), 1985 s10 (parts truck), 1995 dodge ram 1500 (farm/plow truck), 1996 nissan altima (derby car), 1998 bmw 325 (parting out).. Sell me yours.

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