Young Car Insurance

[Black_33_gtst]

Hey there guyz!

Tomorrow (19/04/06) is the day that i finally purchase my dream car. a Nissan Skyline R33 GTS-T! i have been saving and waiting for this car since i was 13.

Now to the point of the story, when i head out into town or simply just driving places i see highly modified Skylines and WRX's etc driven by P platers. i called up Just Car Insurance just before and they quoted my $1900 for comprehensive insurance. i dont know about you but i think that is rediculous. i mean i see where they are coming from because i am nearly 18 driving a turbo but $1900!!! Geesus!

All i want to know is how these young people on P plates driving around in modified cars get insurance? i mean do they put it in their mums and dads name? or are they just simply rich and fork out the $2000? i would really love to find out because i am a first year apprentice and simply cannot afford the $1900 insurance they are offering. any information and tricks of the trade to get cheaper insurance would be much highly appreciated.

cheers guyz.

Edited April 17, 2006 by Black_33_gtst

[moneybags]

arent u under the no turbo car restriction?

[HannahMc]

Lots of my friends simply have the car under their parents names, since it is really expensive for young people, especially young men, to get insurance. Then again, some are loaded, too!

[_8OO5TED_]

Just Cars will give you the cheapest premium if your 18yo. Get 3rd Party if its too expensive, but what ever you do, don't go without any insurance on the road!

[xRHETTx]

OK you really should have looked into insurance before you got serious about getting the car hey?

$1900 is a very reasonable price, hey by a reletively new SS commodore and you'd be paying about that too.

I went with just car insurance, my first year was $1700 for my r32 when i was 21, with 3 years perfect driving and insurance record.

Putting the car under your parents name DOES NOT WORK for imports. Most mainstream insurance companies wont touch them, and all the companies that do HAVE WORKED OUT THAT SCAM years ago.

Even if its in your parents name, they will ask you if anyone else will be driving it, and if you say you are (even for a small % of the time) they will charge you the same rate as if you had the car in your name. If you dont tell them that you are driving the car, you wont be covered so your wasting your money.

Its called a named driver policy (thats what just cars calls it) Only people on the policy are covered at all.

And do a search, there is heaps of info about insurance on the forum. Try Just cars or Prestige.

Also, if you are on your P plates in Vic or NSW, you are illegally driving a r33 gtst, so be prepared to have a lot of trouble with the police and the chance that EVEN if you have insurance and have an accident, that you wont be covered.

Cheers, Good luck

[_8OO5TED_]

yep, premiums are based on the youngest listed driver, not the percentage in which they drive.

due to your age, they would have given you an introductory rating 5 as you have had very minimal, if any, insurance history.

in 4 years time when your on a rating 1, you will probably find yourself paying under $1000!

[Black_33_gtst]

hey Rhett yes your correct, i should have looked into it a lot more than what i have. i did try and putting it in my parents name and i said its my mums car and i wont be driving but he didnt believe me. anyway i got a quote for $904. but if i have an accident the claim would be void he was saying. so your correct again, i would be wasting my money. also i live in adelaide. our parliment is slack in trying to save young lives because we dont have any restricions in place yet about turbo's etc. thanks a lot, i will give Prestige a quick buzz..

[_8OO5TED_]

have u tried Young and Cool also?

[Black_33_gtst]

unfortunatly Prestige dont insure Nissan Skyline's. she just handballed me off to Just cars lol. oh well. i did try young and cool insurance but i made the mistake of telling them i would be driving and they said they wont be able to insure me because im under 18 or something. i wll give them a call now and tell them its in my parents name

[_8OO5TED_]

but u wont be covered! unless your listed as a driver.

you really should have thought about insurance prior to buying the car...

[VB-]

unfortunatly Prestige dont insure Nissan Skyline's. she just handballed me off to Just cars lol. oh well. i did try young and cool insurance but i made the mistake of telling them i would be driving and they said they wont be able to insure me because im under 18 or something. i wll give them a call now and tell them its in my parents name

ur under 18, and only payng 1900 for a turbo 33, lucky you. a mate of mine who is 18, non turbo 33 is paying 2.5k, with just cars of course, but no other place will insure him (forgot to call young and cool, might have to check it out). but by comparison, this is insane as another mate with a turbo 34, 18yo is paying 2.5k aswell. if you havent bought the car yet, maybe consider something else a bit easier to insure? i know it would be a hard thing to do, as im 17, and if i had the dosh, a 33 would be high on the list, but always investigate every option. u might be better off with something local, im not saying buy a cheap slow car, but just find out how much insurance is on some other things. a 32 should be a fair bit cheaper as it was sold locally (will that make all 32s cheaper, or would this only be for the ones actually sold thru australian dealers?). is adelaide a no-turbo for P platers state, or does it have somethin like Vic, with power to weight limits?

Edited April 18, 2006 by VB-

[Black_33_gtst]

howdy VB nah adelaide has no limits on the power to weight. pretty much you can have what ever car you want as long as you can pay for the insurance etc. adelaide's parliment i think is trying to introduce something like vic n nsw. so you reckon $1900 is a fair deal?

[_8OO5TED_]

for a 17yo with very minimal insurance history and with a turbo import, $1900 is a very good deal. if u choose not to take it, then dont expect to get a better deal anywhere else.

[Modena]

Many insure under 3rd party which is around 500 bucks... I waited until my insurance got around 1 K mark full comp and then got a turbo...

Just Cars is your best bet, you want a turbo car... pay up!

[akkii]

it was 3 grand for me in 2005 for my r33 gtst, just got my p's though

[r34_skyline]

well, if u cant pay for insurance, dont buy the car, its simple. if u're, u better make sure u have atleast 3rd party.

[Black_33_gtst]

ok thanks guyz. i'll try Just cars 3rd party and see what i can get that for.

[@ndrew]

what about being an 'Unlisted driver'?? i got a quote for an r33 gts-t from just cars and the quote wasn't in my name and they had the costs that would charged if an unlisted driver had an accident about $2000 excess.

i also have a mate who's insured his supra non-turbo through just cars and hsa put it under his dad's name and is using the option of being an unlisted driver.

[scathing]

i called up Just Car Insurance just before and they quoted my $1900 for comprehensive insurance. i dont know about you but i think that is rediculous. i mean i see where they are coming from because i am nearly 18 driving a turbo but $1900!!! Geesus!

That's not unreasonable for a performance car, considering.....

My N15 SSS cost me that much to insure from NRMA as a Under 25 drive a few years ago.

[R3LOAD]

Mate $1900 is an excellent deal for someone your age. I'm 23 and been driving since i was 17 and only this year have i been able to get full comprehensive from just cars for under $2k. Got a quote from them for $1700 last month and took it.

I'm in Sydney though, which might have something to do with the price compared to yours.