08-08-2008, 06:51 AM | #15 |
Before I deplyed I have a 1998 Oldsmoble Cutlass. Over the course of 2 years I had gotten 5 tickets! 78 in a 65, 93 in a 65, accident, 53 in a 35, and finally 87 in a 65 that got my license stripped for 6 months. Man that sucked. I cannot help it, I love speed. Since then I've totally slowed down and havent had a ticket in 2 years, (good for me). Speeding is not worth it. Theres times for fun, and I just didnt pay attention, I thought that I would never get caught so many times. Nope. I was paying $328 per month for car insurance. Then it went down in about 6 months to about $280 and stayed there. The only relief I could get was to pay off the car and get bare minimum insuance, still cost me $150 per month. Be a smart speeder, if there is such a thing!!! I wasnt!
BTW...all cleared now off record
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2010 Inferno Orange Metallic 2SS/RS - 6 Speed Manual
-BTR Stage 4 Cam, ID850 Injectors, E-85 Tuned, Corsa Xtreme Exhaust , Kooks 1 7/8 Headers, Melling Performance Oil Pump, ATI Super Damper, BMR Suspension: Sway Bars, Trailing Arms, 1” Lowering Springs, Differential Bushings, Rx Ported and Polished Throttle Body, VIS Racing Carbon Fiber Hood, Custom Painted - Body Kit, Entire Vehicle, ZL1 Addons Wicker Bill, MRR 20” Wheels, Powerstop Brakes, Koni SRT.T Shocks and Struts |
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08-08-2008, 10:59 AM | #16 |
FASTER!
Drives: Challenger Hellcat, 2SS Camaro Join Date: Apr 2008
Location: Middle Tennessee
Posts: 2,245
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I called my ins agent last week to check and get an idea of what ins may be. I told him to quote me a 2008 Z06 Vette as I figure that'd be worst case scenario. I was quoted $450 every 6 mos with $1000 deductible. I'm 32 and a clean record multi car discount, house etc.
I figure the Camaro will be cheaper than that which is awesome to me. You guys paying $1800 a year for ins WOW. Makes me glad I'm a little older. |
08-08-2008, 11:35 AM | #17 |
yeah, but the things is that when I get ins. I try to get the lowest deductible I can. That raises the payment, but saves you from dishing out that $1,000 for repairs in the case you didnt have it.
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2010 Inferno Orange Metallic 2SS/RS - 6 Speed Manual
-BTR Stage 4 Cam, ID850 Injectors, E-85 Tuned, Corsa Xtreme Exhaust , Kooks 1 7/8 Headers, Melling Performance Oil Pump, ATI Super Damper, BMR Suspension: Sway Bars, Trailing Arms, 1” Lowering Springs, Differential Bushings, Rx Ported and Polished Throttle Body, VIS Racing Carbon Fiber Hood, Custom Painted - Body Kit, Entire Vehicle, ZL1 Addons Wicker Bill, MRR 20” Wheels, Powerstop Brakes, Koni SRT.T Shocks and Struts |
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08-08-2008, 11:59 AM | #18 | |
A lot to learn!
Drives: 2012 Camaro SS Transformers Edition Join Date: May 2008
Location: Ohio
Posts: 131
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Quote:
I have a 250 deductable, and i pay 1160 per year on my GTP. Thats with a supercharged car and i'm 22. Wonder why others are so high?
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2012 Camaro SS Transformers Edition.
Excited to build up my first Camaro! Current Mods: -Spectre CAI -Straight piped -Power Wedge |
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08-08-2008, 12:02 PM | #19 |
East bound and down
Drives: 2005 Cyclone Grey GTO (M6) Join Date: Apr 2008
Location: Springfield, MO
Posts: 406
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Around 1200 a year for my 05 GTO, and I'm almost 33. Had one accident five or six years ago and one ticket two years ago.
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BITCHIN' CAMARO, BITCHIN' CAMARO!
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08-08-2008, 12:33 PM | #20 | |
FASTER!
Drives: Challenger Hellcat, 2SS Camaro Join Date: Apr 2008
Location: Middle Tennessee
Posts: 2,245
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Quote:
You're chances of using the insurance are lower than the amount you'd save with the higher deductible. It's something I learned a while back looking at finance efficiency and budgeting and something Dave Ramsey teaches in his seminars as well. Right after I learned about it I changed all my ded's to $1000. Take the money you save on the insurance drop it into a saving account drawing interest and make money on top of the savings. Otherwise at the end of the 6 mos or 1 year ins term, you've paid a higher deductible and if claim free you've thrown money away. Also, in a fender bender the repairs are likely less than $1000 so you're less likely to use your ins in turn keeping your rates lower in the long term. |
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08-08-2008, 01:25 PM | #21 | |
Rolling along...
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Quote:
As far as choosing a higher deductible to save money in premiums, sure that works well, as long as you don't cause accidents. If you're an accident magnet like I am and don't cause the accident, then yes, I'd save money. However, I carry a $250 deductible since the first person to ever hit my car wasn't insured and I had to pay the deductible to get my car fixed. The insurance company went after the guy for their portion. Doing a quick policy change quote, switching from a $250 deductible to $1000 deductible takes my annual premium ('97 C1500 & '04 Expedition) from $1092/yr to $988/yr. A savings of $104/yr. |
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08-08-2008, 02:43 PM | #22 | |
Drives: . Join Date: May 2008
Location: .
Posts: 3,053
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Quote:
Welcome to Miami, the city with the worst/rudest drivers. |
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08-08-2008, 03:35 PM | #23 | |
FASTER!
Drives: Challenger Hellcat, 2SS Camaro Join Date: Apr 2008
Location: Middle Tennessee
Posts: 2,245
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Quote:
$104 is a decent amount of money to me. I have 3 cars and a motorcycle so that adds up quick. It seems like mine was a little more than that though maybe $200 for the year on each vehicle and like $250 on the bike. At any rate, the real piece of good info from this is that a 2008 Z06 would only be $900 a year for me to insure. That's awesome as the SS Camaro would HAVE to be less than that. |
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08-08-2008, 03:57 PM | #24 | |
Quote:
__________________
2010 Inferno Orange Metallic 2SS/RS - 6 Speed Manual
-BTR Stage 4 Cam, ID850 Injectors, E-85 Tuned, Corsa Xtreme Exhaust , Kooks 1 7/8 Headers, Melling Performance Oil Pump, ATI Super Damper, BMR Suspension: Sway Bars, Trailing Arms, 1” Lowering Springs, Differential Bushings, Rx Ported and Polished Throttle Body, VIS Racing Carbon Fiber Hood, Custom Painted - Body Kit, Entire Vehicle, ZL1 Addons Wicker Bill, MRR 20” Wheels, Powerstop Brakes, Koni SRT.T Shocks and Struts |
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08-08-2008, 04:26 PM | #25 | |
Rolling along...
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Quote:
2008 Corvette Z06: $853.80/yr 2008 Charger SRT8: $798.60/yr (System doesn't recognize the Challenger VIN's yet.) 2008 Mustang GT Premium: $752.60/yr |
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08-08-2008, 04:38 PM | #26 | |
FASTER!
Drives: Challenger Hellcat, 2SS Camaro Join Date: Apr 2008
Location: Middle Tennessee
Posts: 2,245
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Quote:
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08-08-2008, 05:21 PM | #27 |
Rolling along...
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I'm 33. No tickets, no accidents that were my fault. I left Progressive and switched to Geico when my premium went up 20% and no one there could tell me why.
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08-08-2008, 06:08 PM | #28 |
Drives: Future 5th gen Camaro Join Date: May 2008
Location: Los Angeles California
Posts: 1,108
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well I'm 18 years old and I got a quote for a stang Gt which a a comparison to a v6 camaro and it cost me 700$ for every 6 months
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