View Full Version : How much do you pay for car insurrance?

08-10-2007, 04:07 PM
And 2: Did you inform you insurrance company of your car modifications?

08-10-2007, 05:00 PM
About 150-200 a month when I was insuring 2 celicas.

No, it's a very BAD idea to let them know about anything you do to your cars. There Bean counters and paper pushers. They have no idea or concern what goes on aside from statistics. Even if you do the best work in the world, you'll be classed as a high risk. They'll sneek your rates up on you and possibly try to turn anything over on you if you get into an accident that needs their involvement.

08-10-2007, 06:40 PM
ummm about 35 dollars for both cars. and hell no dont tell them anything.

08-10-2007, 08:35 PM
1. I pay ~$330 every 6 months for the celi
2. No. But keep all your receipts in case anything happens and you have to contest the actual value of the car.

08-10-2007, 08:53 PM
i pay 220 every 6 months. no major mods on my car, but if i did, i wouldn't tell them either.

08-10-2007, 08:58 PM
$202/yr w/ Esurance. No comp/collision.

08-10-2007, 09:01 PM
1400 a year and last year was 3900 :squint: DAMN U Alberta private insurance!!

08-10-2007, 09:31 PM
^ ouch! I hope that's full coverage...

08-10-2007, 09:46 PM
This again? Ok.

~85-90/month on the 87 supra, as much coverage as can be had

~200/month on the 02 spyder (under teh wife's name), full coverage

Anyone that brags about how low their insurance is because of what they don't pay for, remember these threads when you're posting about how much you are teh fuxored when an uninsured person crushes your car. Don't think it happens? I bet you at least half of the "my car now wrecked" stories on the board have such sadness in them.

08-11-2007, 01:21 AM
Agreed if you're in a valuable car. My 99 Camry and K2500 both have full coverage. For an older car w/ higher mileage that would be totaled at $1,100-1,300 (like my 88 GTS, according to a State Farm rep) the comp/collision would need to be pretty cheap. Otherwise, the insured is better off putting that comp/collision premium into a 'next car' fund. No accidents for two years w/ a $500 deductible and I've paid as much as the car's worth - what I'd get from a 'totaled' pay out. Everything after that is money that coulda been earning interest in my 'next car' savings account.

It's a crapshoot and everybody can do the math based on their premiums and car value (assume low Kelly Blue Book, according to the insurance rep) to see what dollar amount they'd have to reach before they had paid more to the insurance company then they'll ever see in a reimbursement check.

Uninsured motorist collision is an easy 'must have' since it's only a few bucks a month ($15, in my case, for all three vehicles).