What happens when you give a 16year old a 240sx... - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

ALTRNTV · 12-12-2007, 01:01 AM

Quote:

Originally Posted by Canadian newspaper

Monday, December 10, 2007

EDMONTON - Barbara Wellensiek knew her son's insurance bill would be steep because of his driving record, but when the renewal notice arrived she was shocked to see the annual premium was $104,566.63.

"I thought it was a typo," Wellensiek said today. "I didn't panic - I thought it was a mistake."

When she phoned her insurance broker, Access Insurance Group, she got confirmation that the figure on the notice was accurate, the rate having been hiked from $1,300 per month.

"I just about fainted - how could this be?"

She calculated that her son, Janson Towers, would have to work full-time all year and earn $55 per hour just to pay his auto insurance premium.

Towers has all the factors going against him that add up to a high premium, even under the new grid system brought in when auto insurance reforms took effect in 2004.

He's 19, and has a "tendency to speed," Wellensiek said.

He got his first car at age 16. His licence was suspended twice. Since May 2005 he has received 10 speeding tickets, and has been in two minor "fender benders" and a rear-ender that totalled his car.

Though the insurance industry has complained that the grid system rewards bad drivers, an insurer could charge even more.

When the details of Towers' driving record were put into the auto insurance rate calculator on the provincial government website, the maximum allowable charge that came out was $122,727.42 per year.

Wellensiek went to another insurance company, Morgex, which quoted her $50,000 for a premium on her son's Nissan 240.

She has chipped in on his premiums before because of his need for a car. He has been playing junior football in Kelowna, taking physiotherapy because of football injuries, working part-time and is about to start attending Okanagan College.

But there's no way the family can afford $50,000.

"If he can't drive, I'm sure he'll accept it. He'll just have to wait until the convictions fall off."

Towers said he's moving permanently to British Columbia and is optimistic he can insure his car there for about the same rate he was paying in Alberta last year. If that doesn't work out, he'll have to ride his bike.

"I'd rather buy a house than pay that ($104,000)," he said.

He's still shocked by the invoice, and says that most of the speeding tickets clocked him going just a few kilometres per hour over the limit.

Alison Gates-Kriston, spokeswoman for Alberta Finance, said there are three factors on the insurance rate grid: number of years of driving, accident claims and convictions.

"Your grid rating is a reflection of your driving record," Gates-Kriston said. "It's the driver's decision as to whether they want to be insured or whether they want to stop driving."

An official with Access Insurance Group, which quoted the $104,566.63 premium, said the company can't comment because of privacy legislation.

Michael Debolt, government affairs manager for the Alberta office of the Insurance Bureau of Canada, was surprised by the amount of the premiums allowed under the grid rules, but said his industry is still opposed to capping rates under the grid system.

"We don't believe in the grid at all - we believe an individual's insurance premiums should reflect the risk they carry," he said.

tunerzimage · 12-12-2007, 01:06 AM

Wow.......104k are they serious?!?

HyperTek · 12-12-2007, 01:06 AM

hmm dam scum shouldnt drive anymore we dont need them on our roads... but eventually this kid will drive without insurance and make it alot worse...

hmm reminds me of my friend... lost his license.. too many back payments due on tickets.. had a 240sx did stupid shit... and now drives illegally cuz he cant afford it.. grrrrrrrrrrrrrrr

Matej · 12-12-2007, 01:14 AM

My parents are always on my back about why my insurance is $70 a month with a clean record while theirs on a Chevrolet Malibu is $20 and they've been in a couple fender benders. They can't believe it's because I'm 19 and I drive a "sporty" car. They find it outrageous about how it's legal for insurance companies to be prejudiced against drivers and car models like that, as if they knew who is going to get into a wreck, obviously it's all about money. That kid is definitely a stupid idiot, but at the same time do insurance companies seriously expect a regular person to pay 104K$? Insurance companies are just a bunch of thieves, a huge portion of your earnings goes to them every month, and then when normal people actually need their insurance company for once after paying them for years, you have trouble getting them to pay for anything, and you just go through a lot of hassle dealing with them. Think about all the months you paid for insurance and didn't get in any wrecks, you might as well have flushed that money down the toilet. The U.S. insurance system is completely worthless, I wonder what kind of an idiot came up with it, and clearly the Canadian system isn't any better. It's not like the insurance company pays for your lawyer or fine when you get a speeding ticket, people should be punished by tickets, jail time, and suspended licenses, not by ridiculous insurance charges.

DRavenS13 · 12-12-2007, 01:29 AM

It's people like that who drive like idiots with our cars, and then the rest of the responsible drivers have to add ricer fees to our insurance too.

FAIL, damn irresponsible teenagers, FAIL.

Tops* · 12-12-2007, 01:49 AM

I hate this Janson Towers kid already. Why do MY rates have to go up just because I'm young and drive a "2-door coupe." Even if I have a clean record and get good grades, I still get screwed over by people like Janson. What a system...

***S13SilviaGirl*** · 12-12-2007, 01:49 AM

wow...that is insane! All it will do is drive ppl to get behind the wheel without being insured!

hustlervibes · 12-12-2007, 02:12 AM

WOW! I thought my insurance was high on my S2000 ($400+ a month) but $104k, that's just insane. But he did mess up...a lot. But I definetly agree with simpleS14 in that they charge more for coupes or "sporty cars" I can understand more if the car costs more in general because of liability issues but just because a car may be faster than another is stereotyping.

azndoc · 12-12-2007, 02:19 AM

brings a whole new meaning to pay to play.

Better get that bus pass yo

Neejay · 12-12-2007, 03:19 AM

Quote:

Originally Posted by S13SilviaGirl

wow...that is insane! All it will do is drive ppl to get behind the wheel without being insured!

I agree.

I got quoted like $500+ per month on a 2003 WRX. lol...

cc4usmc · 12-12-2007, 03:24 AM

HAHA...and i thought $200per month for my 240 was a lot.

well..its is...but not That bad

89dc240 · 12-12-2007, 04:47 AM

Phew, I'd probably drive off a cliff if my insurance was that much.

So long fair world, can't afford to drive anymore, and it's not because of gas...

muddafakka · 12-12-2007, 04:50 AM

Quote:

Originally Posted by Matej

That kid is definitely a stupid idiot, but at the same time do insurance companies seriously expect a regular person to pay 104K$? Insurance companies are just a bunch of thieves, a huge portion of your earnings goes to them every month, and then when normal people actually need their insurance company for once after paying them for years, you have trouble getting them to pay for anything, and you just go through a lot of hassle dealing with them. Think about all the months you paid for insurance and didn't get in any wrecks, you might as well have flushed that money down the toilet. The U.S. insurance system is completely worthless, I wonder what kind of an idiot came up with it, and clearly the Canadian system isn't any better. It's not like the insurance company pays for your lawyer or fine when you get a speeding ticket, people should be punished by tickets, jail time, and suspended licenses, not by ridiculous insurance charges.

+56347636845646854865385456884568

full house · 12-12-2007, 05:55 AM

hahaha!!! That girl would be lucky by the way how she looks it . . .

lol

IIIXziuR · 12-12-2007, 06:26 AM

Quote:

Originally Posted by Matej

... They can't believe it's because I'm 19 and I drive a "sporty" car....

240sx, sporty car? Am I missing something here?
I don't think you can even use those in the same sentence hahaha lawlzor

**Phlip** · 12-12-2007, 06:34 AM

I bet he'll start a "KA vs. SR" thread soon.
Something about this kid screams "Zilvia newb"

*edit*
Did ANYONE notice that this was in Canadia and not the US?

SHIFT_*grind* · 12-12-2007, 06:52 AM

"She has chipped in on his premiums before because of his need for a car. He has been playing junior football in Kelowna, taking physiotherapy because of football injuries, working part-time and is about to start attending Okanagan College." Boo-hoo, make him ride a fucking Huffy because this...

Quote:

He got his first car at age 16. His licence was suspended twice. Since May 2005 he has received 10 speeding tickets, and has been in two minor "fender benders" and a rear-ender that totalled his car.

...is inexcusable. A $104,000 premium is a pretty crooked way of punishing him (extortion, basically), but shit. Get off the road.

***S13SilviaGirl*** · 12-12-2007, 07:50 AM

Quote:

Originally Posted by full house

hahaha!!! That girl would be lucky by the way how she looks it . . .

lol

huh???????????

j4d3_h4v0k · 12-12-2007, 08:00 AM

yeah that one lost me too.
but its kids like this why insurance for young male drivers especially in sportier cars is insanely overpriced

ixfxi · 12-12-2007, 08:12 AM

that fucker lives in canada

who cares about canadian insurance?

it sucks and it doesnt effect me one bit.

*HaLo* · 12-12-2007, 09:25 AM

I do care about Canadian Insurance... but hey! That's 240's man!!

My S2K costs me 1000$ a year for full coverage..

0wn3r · 12-12-2007, 09:43 AM

Averaging 1 accident and 3 tickets & letsay a warning per year, yeah, I'd say that's a pretty fair price. Say this kid hits you, well damages and lawsuits could easily be 300K. If insurance charged him even 5K per year, that would still take them 60 years to get back, NOT including interest.

I'd say it's pretty fair and a good lesson to teach him. He's lucky he hasn't killed himself, his friends, or others yet.

When I got my 240 a few years back Metlife quoted me over 8K. I was told by an insurance agent in the family that the 240 (at least a kouki) is rated closer to a Mercedes than a Honda.

For instance, say a Honda is a scale of 10, whereas a Mercedes is a 26...well the 240 was a 22.

2ilvia · 12-12-2007, 09:55 AM

Quote:

Originally Posted by 0wn3r

I'd say it's pretty fair and a good lesson to teach him.

well since he doesnt HAVE to pay it, then theres no lesson learnt

he should ride a motorcyle, he'll obviously crash it and death himself, and we'll be happy

Captain_Ron80 · 12-12-2007, 10:21 AM

7 years ago I was paying $250/mo for low end liability on my 240. It sure got me to slow the F down. It wasn't me it was the car! They just like to go fast :-) I have to hold it back like a galloping horse and say "Whoooooa 240!"

VROOOM · 12-12-2007, 10:23 AM

even after a street racing ticket all i payed was 150 a month. now i pay 65 a month

*HaLo* · 12-12-2007, 10:23 AM

Blame Canada, eh?

SiI40sx · 12-12-2007, 10:47 AM

Cant you just have the minimum put aside and NOT have insurance? Because the minimum coverage is like 30k or something for california correct? Cant you just give the DMV 30k to put aside and drive??

BustedS13 · 12-12-2007, 10:55 AM

i've had 23 tickets (24?) and i pay 130/mo on my CL for full coverage with a $500 deductible. kid's doing something wrong.

Peter_North · 12-12-2007, 10:59 AM

Quote:

Originally Posted by IIIXziuR

240sx, sporty car? Am I missing something here?
I don't think you can even use those in the same sentence hahaha lawlzor

The 240sx is a budget sports coupe, its not a fwd economy car. The car comes stock with a tow hook.

BustedS13 · 12-12-2007, 11:07 AM

Quote:

Originally Posted by Peter_North

The 240sx is a budget sports coupe, its not a fwd economy car. The car comes stock with a tow hook.

all cars have tow hooks. all of them.

12-12-2007, 01:06 AM	#2
tunerzimage Zilvia Addict Join Date: Jun 2006 Location: Chino/Fullerton, CA Posts: 731 Trader Rating: (0) Feedback Score: 0 reviews	Wow.......104k are they serious?!? __________________ (909) 628-1707 - Chino, CA http://www.tunerzimage.com

12-12-2007, 01:06 AM	#3
HyperTek Post Whore! Join Date: Mar 2003 Location: Cali Posts: 13,222 Trader Rating: (3) Feedback Score: 3 reviews	hmm dam scum shouldnt drive anymore we dont need them on our roads... but eventually this kid will drive without insurance and make it alot worse... hmm reminds me of my friend... lost his license.. too many back payments due on tickets.. had a 240sx did stupid shit... and now drives illegally cuz he cant afford it.. grrrrrrrrrrrrrrr __________________ Keep it Classy

12-12-2007, 01:14 AM	#4
Matej Post Whore! Join Date: Feb 2007 Location: N/A Posts: 9,423 Trader Rating: (39) Feedback Score: 39 reviews	My parents are always on my back about why my insurance is $70 a month with a clean record while theirs on a Chevrolet Malibu is $20 and they've been in a couple fender benders. They can't believe it's because I'm 19 and I drive a "sporty" car. They find it outrageous about how it's legal for insurance companies to be prejudiced against drivers and car models like that, as if they knew who is going to get into a wreck, obviously it's all about money. That kid is definitely a stupid idiot, but at the same time do insurance companies seriously expect a regular person to pay 104K$? Insurance companies are just a bunch of thieves, a huge portion of your earnings goes to them every month, and then when normal people actually need their insurance company for once after paying them for years, you have trouble getting them to pay for anything, and you just go through a lot of hassle dealing with them. Think about all the months you paid for insurance and didn't get in any wrecks, you might as well have flushed that money down the toilet. The U.S. insurance system is completely worthless, I wonder what kind of an idiot came up with it, and clearly the Canadian system isn't any better. It's not like the insurance company pays for your lawyer or fine when you get a speeding ticket, people should be punished by tickets, jail time, and suspended licenses, not by ridiculous insurance charges. Last edited by Matej; 12-12-2007 at 01:54 AM..

12-12-2007, 01:49 AM	#6
Tops* Zilvia Addict Join Date: Sep 2007 Location: SF, CA Age: 33 Posts: 966 Trader Rating: (6) Feedback Score: 6 reviews	I hate this Janson Towers kid already. Why do MY rates have to go up just because I'm young and drive a "2-door coupe." Even if I have a clean record and get good grades, I still get screwed over by people like Janson. What a system... __________________ MADE IN JAPAN

12-12-2007, 05:55 AM	#14
full house Leaky Injector Join Date: Apr 2007 Location: new york Age: 41 Posts: 96 Trader Rating: (0) Feedback Score: 0 reviews	hahaha!!! That girl would be lucky by the way how she looks it . . . lol __________________ LINK SPAM DELETED.

12-12-2007, 02:12 AM	#8
hustlervibes Banned from the Marketplace Join Date: May 2006 Location: Southern California Rep Power: ∞ Age: 32 Posts: 2,453 Trader Rating: (0) Feedback Score: 0 reviews	WOW! I thought my insurance was high on my S2000 ($400+ a month) but $104k, that's just insane. But he did mess up...a lot. But I definetly agree with simpleS14 in that they charge more for coupes or "sporty cars" I can understand more if the car costs more in general because of liability issues but just because a car may be faster than another is stereotyping.

12-12-2007, 02:19 AM	#9
azndoc Post Whore! Join Date: Feb 2006 Location: Los Angeles Age: 39 Posts: 9,487 Trader Rating: (47) Rides Gallery: azndoc Feedback Score: 47 reviews	brings a whole new meaning to pay to play. Better get that bus pass yo

12-12-2007, 04:47 AM	#12
89dc240 Zilvia Junkie Join Date: Nov 2006 Location: Just South of Philly Age: 37 Posts: 352 Trader Rating: (0) Feedback Score: 0 reviews	Phew, I'd probably drive off a cliff if my insurance was that much. So long fair world, can't afford to drive anymore, and it's not because of gas...

12-12-2007, 08:12 AM	#20
ixfxi Post Whore! Join Date: Apr 2006 Location: bangin on my chest Account: BANNED #fucksupreme Age: 79 Posts: 5,923 Trader Rating: (3) Feedback Score: 3 reviews	that fucker lives in canada who cares about canadian insurance? it sucks and it doesnt effect me one bit.

12-12-2007, 09:25 AM	#21
HaLo from Canada, eh! Join Date: Sep 2001 Location: Montreal, Quebec Age: 42 Posts: 5,199 Trader Rating: (0) Rides Gallery: HaLo Feedback Score: 0 reviews	I do care about Canadian Insurance... but hey! That's 240's man!! My S2K costs me 1000$ a year for full coverage.. __________________ -> HaLo Race Car: '98 E36 BMW M3 Daily Driver: '08 Fiji Blue Honda Civic Si SOLD: 01 GPW Honda S2000 PARTED: 93 Pearl White 240SX LE Fastback w/SR20DET SOLD: 93 Super White 240SX SE Convertible w/Silvia Front

12-12-2007, 09:43 AM	#22
0wn3r Zilvia Addict Join Date: Oct 2007 Location: CT Posts: 676 Trader Rating: (4) Feedback Score: 4 reviews	Averaging 1 accident and 3 tickets & letsay a warning per year, yeah, I'd say that's a pretty fair price. Say this kid hits you, well damages and lawsuits could easily be 300K. If insurance charged him even 5K per year, that would still take them 60 years to get back, NOT including interest. I'd say it's pretty fair and a good lesson to teach him. He's lucky he hasn't killed himself, his friends, or others yet. When I got my 240 a few years back Metlife quoted me over 8K. I was told by an insurance agent in the family that the 240 (at least a kouki) is rated closer to a Mercedes than a Honda. For instance, say a Honda is a scale of 10, whereas a Mercedes is a 26...well the 240 was a 22. __________________ 97 240sx se

12-12-2007, 10:21 AM	#24
Captain_Ron80 Leaky Injector Join Date: Sep 2007 Location: Portland Age: 42 Posts: 122 Trader Rating: (0) Feedback Score: 0 reviews	7 years ago I was paying $250/mo for low end liability on my 240. It sure got me to slow the F down. It wasn't me it was the car! They just like to go fast :-) I have to hold it back like a galloping horse and say "Whoooooa 240!"

12-12-2007, 10:23 AM	#25
VROOOM Post Whore! Join Date: Jul 2005 Location: LONG BEACH Posts: 2,713 Trader Rating: (0) Rides Gallery: VROOOM Feedback Score: 0 reviews	even after a street racing ticket all i payed was 150 a month. now i pay 65 a month

12-12-2007, 10:23 AM	#26
HaLo from Canada, eh! Join Date: Sep 2001 Location: Montreal, Quebec Age: 42 Posts: 5,199 Trader Rating: (0) Rides Gallery: HaLo Feedback Score: 0 reviews	Blame Canada, eh? __________________ -> HaLo Race Car: '98 E36 BMW M3 Daily Driver: '08 Fiji Blue Honda Civic Si SOLD: 01 GPW Honda S2000 PARTED: 93 Pearl White 240SX LE Fastback w/SR20DET SOLD: 93 Super White 240SX SE Convertible w/Silvia Front

12-12-2007, 10:47 AM	#27
SiI40sx BANNED Join Date: Mar 2006 Location: Bass bumpin, mind trippin Age: 35 Posts: 3,394 Trader Rating: (0) Rides Gallery: SiI40sx Feedback Score: 0 reviews	Cant you just have the minimum put aside and NOT have insurance? Because the minimum coverage is like 30k or something for california correct? Cant you just give the DMV 30k to put aside and drive??

12-12-2007, 10:55 AM	#28
BustedS13 Post Whore! Join Date: Jan 2004 Location: Phoenix AZ Age: 36 Posts: 10,287 Trader Rating: (0) Feedback Score: 0 reviews	i've had 23 tickets (24?) and i pay 130/mo on my CL for full coverage with a $500 deductible. kid's doing something wrong. __________________

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