Insurance? What Type And How Much?

[Vik]

Hey guys.

Just did a quote on JUSTCAR and got $4711 for comprehensive!!

For gods sake what the hell !!

How much does your's cost and where from!

MRXTCZ

[evil_weevil]

Hey,

In General section there have been many threads on this issue.

Please use search function next time

btw - everyone is different. what you pay, what the next person pays is different. No one will pay the same so there really is no point asking what others pay.

Age, driving experience, claims history, fines/loss of licences, garaging location, usage, no claims bonus, EVERYTHING is different

edit - just saw your in Bankstown....there is half your answer!

[DRD-00F]

What's your driving history like? I must admit, normally, if it is modified, and you're under 25, it's your only choice...

and you should have done insurance already man, I know you have the car, I don't want to see it being another one of those "My car got stolen" threads

Also, listen to Mr Weevil, I see him reading, he knows his insurance

[Samon]

Hey guys.

Just did a quote on JUSTCAR and got $4711 for comprehensive!!

For gods sake what the hell !!

How much does your's cost and where from!

MRXTCZ

How old are you? any accident history?

I'm 21, no accidents (except when I hit a 'roo, which they don't count as my fault) and with Shannons. They were about $1100 for full comp, with a $900 excess... that's on my stockish R33 in Melbourne, covered for $12,000. Just Cars were gonna about $1500/year... When I got the 'line I had just turned 19 and it was around $1900/yr, with a $1800 excess... but at the time I figured Shannons wouldn't touch me (age) and didn't even try. This year when my insurance came around a mate recommended me to give them a go, and they were fantastic!

[evil_weevil]

...and your in Vic...much cheaper there....as I said...

Age, driving experience, claims history, fines/loss of licences, garaging location, usage, no claims bonus, EVERYTHING is different

[quarkgun]

When i moved up to Sydney from Melbourne (3 years ago), i was shocked at the insurance costs up here. I had a 2003 Integra Type R.

Insurance in melbourne was $500. When i moved to sydney (wiley park, which is even worse than bankstown) >$4000. When they gave me the quote, I nearly had a heart attack.

So i told them thanks but no thanks, got married, sold the car and had kids. hahaha.

edit: now for some actually helpful info, i was quoted about $2200 for comp insur through just car, and slightly higher for shannons (shannons wants a longer driving history - 4 years as opposed to just cars 3 years)). If you've got suspensions in your history, expect to get charged a big premium

Edited June 6, 2008 by themeaton

[CHO50N]

Best insurance company is famous for imports.

My V35 insured for 35k is only 1700 and im 21!

[quarkgun]

That's impressive! What is this company called?

[MattD]

Best insurance company is famous for imports.

My V35 insured for 35k is only 1700 and im 21!

That's impressive! What is this company called?

[quarkgun]

Best insurance company is famous for imports.

LOL, You could take that a few ways, and i did Here's a tip

The company is not called 'Best Insurance', famous for its import insurance

It wasn't a statement that the best insurance company is famously known for imports.

The company is CALLED 'famous'.

I'm not slow, ok?

[quarkgun]

Sorry, i tend to read things literally

[Abo Bob]

I was with Famous and didn't like the way they dealt with my claim but if I was younger I wouldn't worry about that.

[FATAZZ]

currently with Just cars 3rd party fire and theft only. $600 something

changing to Shannon's in November $1376 a year for $12000. excess wasn't much.

with Shannon's i was told the car needs to be in a lock up garage when at home address

and because my bad driving history was more then 5yrs ago im all sweet.So nothing

to worry about or no extra charges.

Oh yeh and thats on a partially driven car rate.

i was told to add 6-700 ontop if it was a daily driver.

im 25 on full license and located at Doonside.

Goodluck with it,atleast get 3rd party.

+ a Thumbs up to the dude at Shannon's.

[Beer Baron]

i'm sorry mate but this whole excercise is pointless. even if everyone post up how much they pay it doesn't help you one bit, unless you live in the same house as them, are the same sex, the same age, put your car in the same garage, drive the same number of kms, have the same model of car, with the same modifications, the same alarm and have the exact same driving history. unless you can say yes to all those things then your quote will most likely be different.

just shop around, call as many companies as you can. and be honest about your driving history and your circumstances.

[DECIM8]

Im just going to add dont use famous.. Go GIO car insurance you can use the car however you wish as long as your not under the influence or doing anything illegal and your covered.

Most other policies only cover you 1 day a week, only parked in particular areas, no street parking etc. Read the whole policy before you take it out and as for a faxed copy of the transcript when you take out the policy and ask heaps of questons.

Edited June 6, 2008 by DECIM8

[D_I_F]

Im just going to add dont use famous.. Go GIO car insurance you can use the car however you wish as long as your not under the influence or doing anything illegal and your covered.

Most other policies only cover you 1 day a week, only parked in particular areas, no street parking etc. Read the whole policy before you take it out and as for a faxed copy of the transcript when you take out the policy and ask heaps of questons.

That's most insurance companies..

[DECIM8]

? what do you mean? Most companies dont cover you for daily use? Didnt I just say that? Thats why I suggested GIO.

[SHANE666]

no one wanted to insure me except Just Car....quoted me 4k for full comp...

but then thank god for meeting chicks who work at NRMA.

[McDrifto]

Im just going to add dont use famous.. Go GIO car insurance you can use the car however you wish as long as your not under the influence or doing anything illegal and your covered.

Most other policies only cover you 1 day a week, only parked in particular areas, no street parking etc. Read the whole policy before you take it out and as for a faxed copy of the transcript when you take out the policy and ask heaps of questons.

thats it

eg: you say to your insurance company you drive 1 days a week, garaged at a certain location etc etc, you sleep over your girlfriends house and have no choice but to park on the street, car gets stolen and you go to make a claim, your insurance company wont pay you out

[D_I_F]

? what do you mean? Most companies dont cover you for daily use? Didnt I just say that? Thats why I suggested GIO.

Sorry, I was too lazy to make a proper reply. Most insurance companies will tell you they won't insure you overnight unless you are 500m or more away from the garage location. They won't cover you if you don't have a proper alarm etc.. and they definatly won't cover you if you are under the influence of alcohol and drugs or breaking any laws. It covers there arse.

I have been quoted through GIO but they wouldn't cover me for more then 9k but there policy was the cheapest ($1200) or something like that. Famous have done the best deal besides Shannons and I can't change to Shannons at the moment as we have a communal garage.. and they know my every move *hides*