Well, I'm screwed.

[Titan]

Well today I got the best present any teenager could hope for, a quote from the insurance company. Now you see, I was under the impression that I could register my father as the main driver and myself as an occasional. This way I would pay a mere ~$1300 Canadian a year for insurance, which is fine.

Oh, but as the whole universe is against me, I realized today that I have to register myself as a primary driver, due to the fact that my mother doesn't have a license and my father cannot be registered as primary on both. Well la-di-frickin'-da, my quote suddendly balloned from ~$1300 a year, to ~$5500 a year. God I love insurance companies <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/inlove.gif" border="0" valign="absmiddle" alt=':love:'>

So, in other words, my dream of owning a 240 has been thrown down, beaten, pissed on, and beaten once again. Lovely isn't it?

I would be able to take this better, if say, my father drove a BMW and put me on occasional. But no, once again the automotive gods had to rein down and grant me the privelege of driving a 1999 Ford Taurus. FWD + 3300 lbs. + 145 hp + automatic = ... well I'm sure you can guess.

A shame too, considering I have a few grand saved up from working construction in the summer. Plus I'm still working part time now, while in school; was hoping that would be mod money.

*Cliff Notes:

17 year old raped up the ass by an insurance company
Dreams shattered
Urge to commit suicide...rising.


Thanks for listening to my vent.

[bing]

i assume that is full coverage... have you checked out cibc.

dont worry about getting the car now then. if you have a little money just stay thrifty and get an even better car next year. ur insurance can only go down. and in the mean time do the research.

[Titan]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (bing @ Sep. 12 2002,7:41)</td></tr><tr><td id="QUOTE">i assume that is full coverage...</td></tr></table><span id='postcolor'>
No, I'm pretty sure it's the minimum to keep legal.

[S13Grl]

That is nearly IMPOSSIBLE for a liability quote for a full year. You need to shop around for some more quotes. Find a shitty little place. Don't go to the big guys, they rip you off,but give great service when needed. That sounds like a full coverage quote to me.

[AceInHole]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (S13Grl @ Sep. 11 2002,8:47)</td></tr><tr><td id="QUOTE">That is nearly IMPOSSIBLE for a liability quote for a full year. You need to shop around for some more quotes. Find a shitty little place. Don't go to the big guys, they rip you off,but give great service when needed. That sounds like a full coverage quote to me.</td></tr></table><span id='postcolor'>
well.. it's Canadian dollars isn't it??

I pay about $5200 yearly in US $$.
3 tickets, one "at fault" total loss accident (wasn't really my fault... black ice on the highway).

[Fresh 240SX]

Hey man im from canada too..... check this out Insurance Hotline (www.insurancehotline.com)

they give you the lowest rates in your provance..... just goto insurance quote or whatever.... my lowest rate for me in ontario is like $3700 a year

[bing]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (Fresh 240SX @ Sep. 11 2002,8:54)</td></tr><tr><td id="QUOTE">Hey man im from canada too..... check this out Insurance Hotline (www.insurancehotline.com)

they give you the lowest rates in your provance..... just goto insurance quote or whatever.... my lowest rate for me in ontario is like $3700 a year</td></tr></table><span id='postcolor'>
jah???

i was paying $144 a month, in my name with cibc. then i got a few tickets and tehy dumped me. i pay $208 now. and i can go back to cibc soon, after 4 years of driving.

shit, you guys must not have driver's ed. and full G license, u better get on it.

[basemies]

i pay like $1200 american a year with 2 tickets.

i have/had the same insurance rates on my corolla gt-s, audi quattro and 240sx as i did on my $20 88 civic dx.

[rancid240]

Do you live in a big city? &nbsp;Register with an address at a friends house in a smaller city. saved me a grand a year.

[ALTERED4]

my insurance premium is about 3k a year, or about 250 dollars a month... this includes full coverage on my '97 240sx and '02 jetta gls; liability on my '88 accord lxi and '93 prelude vtec...

i guess it helps to be 25, married, homeowner, have a child, and a clean record...

[Apparition]

How old are you guys that are paying out your ass? How many previous driving infractions? And what level of license do you have?

I'm canadian as well. <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/smile.gif" border="0" valign="absmiddle" alt=':)'> For my 1990 240sx coupe, I was going to pay $2400/yr for collision/comprehensive, and now with the full G license, its down to $1800.

I have one ticket for doing 120 in an 80, and that's it. I was warned by the insurance company, that its 3 strikes before they start hammering you.

Hope that helps.

[Fresh 240SX]

Well i live in a small area.... 30,000 ppl and i only have My G2

[Apparition]

Go for the G as soon as you can. Makes a huge difference.

[240 2NR]

How does this whole G license thing work? &nbsp;Is it a graduated system in Canada? &nbsp;What are the tests for each level? &nbsp;It's the forst I've heard of such a system.

[Annoying Eric]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (S13Grl @ Sep. 12 2002,7:47)</td></tr><tr><td id="QUOTE">That is nearly IMPOSSIBLE for a liability quote for a full year.</td></tr></table><span id='postcolor'>
Well s13grl..No its not..Progressive wanted me to pay 5,000 for 6 months for just liability and that was with the reduction from drivers ed, and the car was gonna be garage kept. I am def not able to pay 10 g's for a year insurance, I am know i have posted this before but eh.. whatever i don't care. <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt=':D'>

So yeah little recap. Its not IMPOSSIBLE s13grl.

[Titan]

I may not be f#$ked out the ass after all.

I might be able to change my address so I live in the same house as my sister. (She lives alone in another city). This way she can be the primary and have me as secondary.

Since she's 25 and a girl, her insurance would be barely anything. She doesn't own her own car now, so it could work.

I'd just have to "live in another city" on paper. Wish me luck so it works out.. cuz if it does, I should only have to pay something like $1300 a year, and I'm garaging the car during the winter, so even less.

[Fresh 240SX]

Well in canada it goes like this

when you turn 16 you go for your

G1
Written Test (Multiple Choice)
Conditions, Must have a lisenced driver with you (a person with a G class for atleats 5 years)
No Major Highway driving and something like no drivng between midnight and 5 am
ZERO blood Alcohol level
You must have you G1 for a year before you can go for G2 unless you have drivers ed then its 8 months

G2

Basic Roadtest
Conditions
You can drive alone, Zero blood alcohol level, on some highways (no 400 series highways)
Unrestricted for everything else

G
Road test on the highway
Final Class lisence
You can now drive any G class veichle... Car, Truck, Van under a certian weight class... like anything under 10,000lbs? im not 100% sure....

yea and if you dont get your G class in like 6 years after you get your G1 and you just booting around with a G2 you get booted down to a G1 again...

I remember the pre 1994 days when you just showed up and wrote a test and you could drive...

Which was more dangerious i mean you had less experance...
Now they space it out and give you time to learn...

But i heard something about they want to raise the G1 age to 18 now and no longer 16.... thats terrible for all the young ones out there.... who are like 15 and are desperate to show off there lisence.. lol

Also they want to jack the limits on some highways 20km/h higher...

[Titan]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (Fresh 240SX @ Sep. 13 2002,11:58)</td></tr><tr><td id="QUOTE">G2

Basic Roadtest
Conditions
You can drive alone, Zero blood alcohol level, on some highways (no 400 series highways)
Unrestricted for everything else</td></tr></table><span id='postcolor'>
Actually, with a G2, you CAN drive on 400 series highways alone.

So the only restriction is the zero blood alcohol level.

[Nerfdude]

what does your dad drive? my dad drives an '89 olds cutlass, i drive a '92 240 fastback. i'm registered as the primary on the olds and he's the primary on my 240... my insurance is 1200 a year US.

[Fresh 240SX]

Really..... i was always told by the MTO not to go on 400 series highways even tho i was doing so with just a G1

[240 2NR]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (Fresh 240SX @ Sep. 13 2002,11:58)</td></tr><tr><td id="QUOTE">Well in canada it goes like this

when you turn 16 you go for your

G1
Written Test (Multiple Choice)
Conditions, Must have a lisenced driver with you (a person with a G class for atleats 5 years)
No Major Highway driving and something like no drivng between midnight and 5 am
ZERO blood Alcohol level
You must have you G1 for a year before you can go for G2 unless you have drivers ed then its 8 months

G2

Basic Roadtest
Conditions
You can drive alone, Zero blood alcohol level, on some highways (no 400 series highways)
Unrestricted for everything else

G
Road test on the highway
Final Class lisence
You can now drive any G class veichle... Car, Truck, Van under a certian weight class... like anything under 10,000lbs? im not 100% sure....

yea and if you dont get your G class in like 6 years after you get your G1 and you just booting around with a G2 you get booted down to a G1 again...

I remember the pre 1994 days when you just showed up and wrote a test and you could drive...

Which was more dangerious i mean you had less experance...
Now they space it out and give you time to learn...

But i heard something about they want to raise the G1 age to 18 now and no longer 16.... thats terrible for all the young ones out there.... who are like 15 and are desperate to show off there lisence.. lol

Also they want to jack the limits on some highways 20km/h higher...</td></tr></table><span id='postcolor'>
Sounds kind of like NY (at least 6 yrs ago when I lived there)

16- you can get your permit if you pass the written test (20 multiple obvious answer test and you can get up to 4 wrong iirc).

You must take one class and then can take your road test once you have your permit.

Pass the road test and you get a junior license
No driving between like 6am-9pm unless to work or school.
Can't leave the state, no driving in NYC

At 17 w/ driver's ed or 18 w/o you get your senior license which is just a full license.

Edit:: As a side note, I just looked up what my insurance would be on a new porsche boxster if I got married and I would actually save $100 (over my current policy, and about $20 on the quote I'm getting online) per year on insurance over my current 93 240 while I'm single. &nbsp;Yeah, that sounds right?!

[Dinkage]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (Titan @ Sep. 13 2002,11:43)</td></tr><tr><td id="QUOTE">Since she's 25 and a girl, her insurance would be barely anything.</td></tr></table><span id='postcolor'>
Being a girl has nothing to do with it. When I bought my s13 I was 19, and AAA raped me of $400 a month full coverage! And that's with a clean record! I dropped them after a while and went to a small place, and now with 3 pts on my record, I was paying about $150 a month full coverage on the s13, and $190 a month for my s14. And I'm 22. I asked my agent if gender has anything to do with it, and he said no!

Heather

[Titan]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (Dinkage @ Sep. 13 2002,2:44)</td></tr><tr><td id="QUOTE"></span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (Titan @ Sep. 13 2002,11:43)</td></tr><tr><td id="QUOTE">Since she's 25 and a girl, her insurance would be barely anything.</td></tr></table><span id='postcolor'>
Being a girl has nothing to do with it. When I bought my s13 I was 19, and AAA raped me of $400 a month full coverage! And that's with a clean record! I dropped them after a while and went to a small place, and now with 3 pts on my record, I was paying about $150 a month full coverage on the s13, and $190 a month for my s14. And I'm 22. I asked my agent if gender has anything to do with it, and he said no!

Heather</td></tr></table><span id='postcolor'>
Are you absolutely sure?

Because everywhere I ask they distinctly say that ladies have lower insurance.

[Kareem]

Well, that's pretty harsh. I live in Winnipeg and I went to go get an insurance quote for when I get my 240 (still looking) and they said with absolutely full coverage ($100 deductible, all-purpose, $5,000,000 getting sued crap) under my Mom's name (she has all the merit points) it would cost only $1300-1400. I like only having one car insurance company.

[Mtt22]

ok, well thats cause your under your moms name.

The restrictions under G2 are no blood alcohol and only as many people in the car as there are seatbelts, and all must be wearing them or it goes against you (usually goes against the person with there seatbelt off)

I pay 2450 a year for basic liability, thats from TD insurance in ontario, i am 18, i have my G2 and a clean driving record, and thats ON MY OWN. thats 203 a month, not bad, my car is a 93 240sx fastback SE.

[adey]

at 20 and with no accidents/tickets, I was paying 1,900 USD/year for liability only.
Come renewall, I will have one ticket and still be 20, and plan(hope) to pay the same amount +/- $100. &nbsp;<img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/confused.gif" border="0" valign="absmiddle" alt='???'> &nbsp;
Just some numbers for you to work with. I'm on the state insurance plan, fwiw.

[Apparition]

Fresh, there is talk of raising the speed limit by 20kph? Bout frikken time. Now if they just made a law that you -must- go that speed on the highway, I'd be set. I've had it with Merle and Mable in their Grand Marquis cruising at 105kph, then cut me off to pass the guy doing 100. Takes them 5 minutes to pass the damned car. Old people... when they go to a home, they should be locked in there. <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt=':D'>

[VERTiG0]

I'm 18 now and I drive an '89 Plymouth Sundance. &nbsp;

I live in Cambridge, Ontario, Canada.

I am the primary driver on the vehicle.

I pay $900/year for insurance. &nbsp;Liability only though, because I don't give a shite about the car.

I just used that Insurancehotline.com link to check my insurance rates if I were primary driver on an '89 240SX, it would be $2417/year. &nbsp;Not TOO bad... &nbsp;$200/month. &nbsp;

Also, if I were registered as the secondary driver, I'd still be paying only $917/year. &nbsp;Kickass! &nbsp;
THEN: &nbsp;Since my dad works for Chrysler and thus drives a company vehicle, I could be registered as an occasional driver on the 240, thus making it even cheaper.

[Fresh 240SX]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote (Apparition @ Sep. 14 2002,10:58)</td></tr><tr><td id="QUOTE">Fresh, there is talk of raising the speed limit by 20kph? Bout frikken time. Now if they just made a law that you -must- go that speed on the highway, I'd be set. I've had it with Merle and Mable in their Grand Marquis cruising at 105kph, then cut me off to pass the guy doing 100. Takes them 5 minutes to pass the damned car. Old people... when they go to a home, they should be locked in there. <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt=':D'></td></tr></table><span id='postcolor'>
Yea there was a creditable rumor that parts of the QEW would be 120km/h starting in summer 2003 i think......

Too bad im considering on moving to Newmarket within the next week..... But maybe they will do highways like 400 north as well..... although that is a crazy stretch of road.....

Where abouts in canada are you?

[Apparition]

Highway 400 north/south is the best, I usually do 150kph easy on it. Everyone drives damn fast.

Right now, I'm in North Bay at school. Otherwise, I'm from Simcoe. South of Brantford, near Port Dover (where all the bikers go on friday the 13th.) I do lots of runs south to visit the woman.

Ever see a burgandy/red 240sx coupe, its me. <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt=':D'> I've only seen 2 other coupes in all my driving in the last 6 months. Pretty damn rare car.

[Fresh 240SX]

heh well i might be moving to Bradford on monday.... &nbsp;just past Newmarket...

[Red]

I payd 4k a year from age 18 to 21 at 21 its now 2.1k a year

BTW (Fresh 240SX) Who is that girl in your Quote.. WOW!!! <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/inlove.gif" border="0" valign="absmiddle" alt=':love:'>

I think I heard somthin about them makin Guys lower insurance then Girls.. Being there are more Girls than guys on Earth.. and somthin about more wrecks.... I hope that is true I could use a drop in price..

The Edit was takin out a few wow's and adding the insurance thing..... And yes I know I can't spell and I dont have good grammer.. Deal with it I know I do. &nbsp;<img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/hmmm.gif" border="0" valign="absmiddle" alt=':hmmm:'>

[DuffMan]

I'm 20 and pay 800something with liability only. When I was 16 I paid like 1000 and had my own car. And I was in an accident that was my fault. You people need to find better insurance companies.

[Apparition]

Unfortunately, I doubt they'll drop the insurance for guys. Insurance companies realize guys have a weak hormone in them. Testosterone. Kinda makes us stupid. <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt=':D'>

I mean, you have to admit coming out of a long day of work, crank the tunes and drive like a bat out of hell.

However, I know more girls that drive faster than me, and in town. Get pulled over, and the cops let them go. Girls will always have the better insurance rates. The best we can hope for is equality in rates.

[Red]

Yeah for being a White Male in the USA I sure feel screwd all over the place!! = rites my ass they give like 500k to those little arab store guys when they move to the usa to start a life.. f that give me 500k so I can start my life!!!

They have Asain Day
And Black History Week
And many more..
And I always ask wheres White History Week??
Or White Day? But NOO we cant have those days becus people will get mad at us... ( I guess all we ever did was kill and mame but there must be somthin good we did ) I guess we do have Columbus Day even tho he was very evil and liked to kill.

<img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/huh.gif" border="0" valign="absmiddle" alt=':huh:'> Ohh well such is life.

[240 2NR]

Where did you read that little arab men get $500k to come to the states and start a business?

White males are not that bad off. &nbsp;Until this country is run by someone of an ethic/ gender other than yours, I wouldn't worry too much, I'm not. &nbsp;

I remember reading a while back that women's accidents are starting to come back in line with male accidents since there are many more female drivers in recent years than there have been previously.

I subscribe to the theory that more guys get into accidents for knowingly doing something stupid (like racing), whereas girls get into more accidents by simply doing something stupid (like driving off a straight road). &nbsp;Keep in mind this is based on the stories I remember from high school. &nbsp;

Like one winter a guy got stuck in the middle of the soccer field after doing donuts and had to wait 3 weeks to get his car out. &nbsp;Kind of made ID'ing the driver pretty easy when the car is on file for the hs parking lot and all the skidmarks in the field end at the car that's stuck there. &nbsp;Same winter a girl in my class got run off the road because she decided not to wait for the plow (turning off a plowed street onto unplowed street) to go by and instead cut it off and drove in front of it, only to get stuck and plowed off the road.

[Warwick5s]

holy crap you guys have high insurance!!!


i'm 20 with 2 speeding tickets (both within the last 10 months)...


and i just got quoted $350 for liability+comprehensive and $460 for full coverage...


FOR SIX MONTHS!!!!


when progressive quoted me about $700/6mo for liability i thought THAT was high!!!!


<img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/wow.gif" border="0" valign="absmiddle" alt=':0'> &nbsp;<img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/wow.gif" border="0" valign="absmiddle" alt=':0'> &nbsp;<img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/wow.gif" border="0" valign="absmiddle" alt=':0'>