what should i do with my insurance?its killing me

[SuperCelica00]

right now my insurance is $3800/year with a $1000 c/c deductable ,i have only 3 speeding tickits in the past 3 year non over 10miles over the speed limit ,i drive a 2000 celica gts ,i really want to buy a faster car like a subaru wrx,06 si or a 350z ,i can afored ether one ,but my insurance will fvck my like no other ........................what can i do about it? is it posible that i can have those taken off my record or is it to late?

[SuperCelica00]

ooh yeah AMICA turned me down!

[Plummy]

I was paying $5000/year for four tickets, accident, theft, and a break in on my '00 GT. And I'm a girl.

Once they're on your record, they're on your record.

Next time invest in hiring a lawyer for your tickets. Best $200-400 you can spend.

[SuperCelica00]

Sucks Dont It ?

[PHXcelica]

speeding tickets only stay on your record for 3 yrs. my insurance has gotten better each time a speeding ticket has dropped off my record.

[StreetPrototype]

well put it this way your doing better then me. im paying right now about what you pay in a year, for every 6 months. only 1 speeding ticket and 1 defective equipment ticket and thats it..sucks for me! hope that makes you feel alittle better.

[slidr]

I'm suprised that there are still tards out there that don't get their speeding tickets fixed...

[errin]

what do you mean tards? sometimes you cant for certain speeds and too close together traffics schools, those are the only legal methods i know of.

[black02gt]

Well first check your insurance on the other cars because it will probably be cheaper. The celica is one of the highest rated cars as far as insurance goes. Just because its faster doesn't mean it is more to insure.

[Bi-Mon-Sci-Fi-Con]

Dear God, I can't imagine what it's like to pay that kind of money on insurance. Especially for a car like the Celica.

[Butt Dyno]

right now my insurance is $3800/year with a $1000 c/c deductable ,

I was paying $5000/year

:shrugs:

[jaball77]

right now my insurance is $3800/year with a $1000 c/c deductable ,i have only 3 speeding tickits in the past 3 year non over 10miles over the speed limit ,i drive a 2000 celica gts ,i really want to buy a faster car like a subaru wrx,06 si or a 350z ,i can afored ether one ,but my insurance will fvck my like no other ........................what can i do about it? is it posible that i can have those taken off my record or is it to late?


Here's a crazy idea... How about you stop driving like a retard? Behave yourself for three years and your record will take care of itself.

[nyoneway]

Once upon a time I've paid $6500 for min liablity, no comprehensive or collision just for the Celica. It suck's doesn't it?

Then I moved to another State, and a year later, I'm paying $2400 for 2 cars, full coverage with 300k limit and $500 deduct.

[canton_ph34r]

I think the EVO's insurnace might auctually be less than a GTS

[nyoneway]

Evo is considered a 4 door sedan with AWD and a 4 cylinder engine. It depends on your insurance because some classify it as a sports car.

[140 GT]

right now i pay 2500 a year and i got probably likd 5 tickets, 3 court summons and 4 warnings. maybe its just in different states.

also, ive been to retrainin class like 4 times and they told me that after some random number of years, your past record will be nomore. something like that.

[techgeekwill]

I pay 1600 a year on geico. Not too shabby really considering im 20, Male, have had 2 tickets in the last 2 years, one at fault accident (nothing filed) and i have a 500 deductable for full comp.

[BadTOYO]

is florida the only place in the country that has traffic lawyers? i've had every ticket taken care of by my attorney, all dismissed from court...
R

[Speed4TheNeed]

right now my insurance is $3800/year with a $1000 c/c deductable ,i have only 3 speeding tickits in the past 3 year non over 10miles over the speed limit ,i drive a 2000 celica gts ,i really want to buy a faster car like a subaru wrx,06 si or a 350z ,i can afored ether one ,but my insurance will fvck my like no other ........................what can i do about it? is it posible that i can have those taken off my record or is it to late?


I would kill for that. I pay more than 3 times that with no wrecks, no tickets, no warnings, no anything. Stop complaining and enjoy it.

[SuperCelica00]

i do know that if you get a tickit after you have had your insurance for a while it wont go untell you go and renew it or buy another car

[Bi-Mon-Sci-Fi-Con]

I pay $1400 a year for 2 cars and a motorcycle. Full coverage $200 deductable. It's kind of nice to be married, over 25 and own a house.

[KevGT-S]

So you want a faster car because your insurance is too high :confused:

[black02gt]

So you want a faster car because your insurance is too high :confused:


Just because the car is faster doesn't mean its more to insure. For example a 400hp GTO is less for me to insure than my Celica GT.

[SuperCelica00]

Just because the car is faster doesn't mean its more to insure. For example a 400hp GTO is less for me to insure than my Celica GT.
so you guys think if i get a subaru or evo it should be less than the celica?

[SuperCelica00]

So you want a faster car because your insurance is too high :confused:
no!i would like a faster car but it would prob. be a higher insurance cost,as far as the cost of the car im not worried because i can find any car for a reasonable cost,for example a 2004 srt4 31k miles $12000,350z 2005 24kmiles $18500 ,cobalt ss s/c new $18500,2006 civic si new $18900....
and insurance ^^^^^^still high

[LightningRod]

Depends on the insurance company. I think some consider those two a sports car. Of course when you say "Subaru," you're talking about the STI right?

[fubarlphie]

a common myth is that "sports cars" cost more to insure because of how they are classified. this is not true.

insurance rates are based on the number and cost of claims filed, driver age, driver record, and credit score. talk to an insurance actuary, they'll tell you the same thing. some sports cars, the rx-7 comes to mind, are very expensive to insure. this is because claim amounts are high and often with these vehicles. when retards crash them, the cost to insurance companies is very high due to repair costs and medical bills.

my 2005 wrx is cheaper to insure than my 2001 gt. why? less claims. this is partly due to AWD (less accidents) other safety features (less medical expenses) also, in general more expensive, newer cars are bought by more responsible people. why? because most people who have money and credit to buy new cars are relatively responsible, so that means less claims. as it gets older and cheaper to buy, more irresponsible people buy them, there are more claims, and my insurance goes up. many guys who own 2002-2003 WRXs are seeing this.

however, your problem is that you average one speeding ticket a year. those are killing you. stop asking this forum for insurance quotes and go on a website and get your own. no one can tell you what car will be cheaper for YOU to own. get the quotes and you'll know what your options are. also, stop driving so fast.

[nyoneway]

a common myth is that "sports cars" cost more to insure because of how they are classified. this is not true.


Sports cars are generally 2 door coupe, 2 seaters, high hp, RWD and cost more than the average car to buy and or repair. Average drivers of sports cars tend to drive a higher speed than average drivers of other cars. Higher speed = more damage in accident.

Of course there are more factors than just the type of car you drive.

Your WRX cost less than Celica to replace because:

1. AWD
2. Sedan
3. Demographics and Accident Stats. Owners of WRX tend to be older/family type. Celica tend to attact the younger crowd which are more prone to accidents and drag the down the rating of the car.

[SWPLGT05]

Gods, when i had my GT-S i was paying $80 a month with a $500 deductable for full comp WITH elevated medical coverage. You guys are getting reemed. I would seriously consider either learning to ride a motorcycle or start using the bus more. YOu are paying more money per month than i pay for insurance AND car payments on my 2005 Subaru Legacy GT.

[FrostsCelicaGTS]

I would love paying 3500 for insurance try $8000 a yr. O well I bust my balls to make my car payment and insurance and put mods on my car my points come off this yr so ill be down low again.

[Butt Dyno]

I would love paying 3500 for insurance try $8000 a yr. O well I bust my balls to make my car payment and insurance and put mods on my car my points come off this yr so ill be down low again.
8000 a year?

You're an idiot.

[itzblue]

How the hell do you pay 8000 a year for insurance, thats stupid I would get another insurance company.

I was going o get a 06 STI so I called my insurance and they said it would be 3500 a year,right now i pay 2200 a year for my celica gt.The STI is considered a sports car. Not to sure about the EVo I would like to have one of those too.I have State Farm really good company.My insurance has gone down 800 in two years.

[nyoneway]

NJ and NY have the country's highest insurance rates. Because of "no fault", people are paid regardless of fault. That causes a high rate of fraud and ultimately everyone in the state pays more.

[celica001]

I WAS paying almost $2000 on Allstate, 21 years old, have an apartment, full coverage, now I moved to another area, switched from Allstate to Encompass Insurance, now I pay $1450 for car insurance + renters insurance.....not bad at all, but I have no tickets, one warning (but those dont carry) so not to bad...

[phaqgm]

is florida the only place in the country that has traffic lawyers? i've had every ticket taken care of by my attorney, all dismissed from court...
R


My attorney couldn't get my last ticket dropped. Unfortunately the cop did everything correct with my ticket. The only thing the prosecutor would do was reduce the fine to that of a 15 over the limit ticket.

[phaqgm]

right now my insurance is $3800/year with a $1000 c/c deductable ,i have only 3 speeding tickits in the past 3 year non over 10miles over the speed limit ,i drive a 2000 celica gts ,i really want to buy a faster car like a subaru wrx,06 si or a 350z ,i can afored ether one ,but my insurance will fvck my like no other ........................what can i do about it? is it posible that i can have those taken off my record or is it to late?


I would kill for that. I pay more than 3 times that with no wrecks, no tickets, no warnings, no anything. Stop complaining and enjoy it.


So you're trying to tell us that you have a clean driving record and you pay nearly $12,000 a year for insurance? You're either incredibly stupid, or you are lying.

[milesplume]

here is the trick guys ill tell my secret(that i know of because i have friends in high places)
it has worked for me...k so say you get a speeding ticket and you cant take driver school for it. so u opt to take care of the ticket by mail can send in a check. they say send in ooo lets say $361 dollars so u send them a check for a lil more and they get it and the clerk puts it in the system as paid.(now at this point in time the ticket has not been put on your record a DMV yet(that is the next step in their process))...so the balance on your "account" with them is $361 and they enter $368 the difference is 7$ and by law they cannot keep any "gratitude" or similar so they write you a check for the difference and link the accout to your ticket. The way there system is set up is after the ticket is paid and marked "completed" then at the end of the month their program sends it over to DMV to be put on records...well if you dont cash you check the account linked to you ticket will always be pending at the computer will never send it off whenever it does its routine checks! the only way it can be caught is when they do their manual audit which is every now and then in a great while. put it this waay i have 3 tickets and 1 is on my record and it is about to fall off because by the time they catch it and send it over to be put on your record the ticket has been delt with years ago and it is only valid 3 years from when you recieved it...lol try it!

yaya i know my grammer sucks...bite me...

[jonnyess]

here is the trick guys ill tell my secret(that i know of because i have friends in high places)
it has worked for me...k so say you get a speeding ticket and you cant take driver school for it. so u opt to take care of the ticket by mail can send in a check. they say send in ooo lets say $361 dollars so u send them a check for a lil more and they get it and the clerk puts it in the system as paid.(now at this point in time the ticket has not been put on your record a DMV yet(that is the next step in their process))...so the balance on your "account" with them is $361 and they enter $368 the difference is 7$ and by law they cannot keep any "gratitude" or similar so they write you a check for the difference and link the accout to your ticket. The way there system is set up is after the ticket is paid and marked "completed" then at the end of the month their program sends it over to DMV to be put on records...well if you dont cash you check the account linked to you ticket will always be pending at the computer will never send it off whenever it does its routine checks! the only way it can be caught is when they do their manual audit which is every now and then in a great while. put it this waay i have 3 tickets and 1 is on my record and it is about to fall off because by the time they catch it and send it over to be put on your record the ticket has been delt with years ago and it is only valid 3 years from when you recieved it...lol try it!

yaya i know my grammer sucks...bite me...

blah blah blah...try it toolguy...urban myth (I have friends in low places)

[SuperCelica00]

here is the trick guys ill tell my secret(that i know of because i have friends in high places)
it has worked for me...k so say you get a speeding ticket and you cant take driver school for it. so u opt to take care of the ticket by mail can send in a check. they say send in ooo lets say $361 dollars so u send them a check for a lil more and they get it and the clerk puts it in the system as paid.(now at this point in time the ticket has not been put on your record a DMV yet(that is the next step in their process))...so the balance on your "account" with them is $361 and they enter $368 the difference is 7$ and by law they cannot keep any "gratitude" or similar so they write you a check for the difference and link the accout to your ticket. The way there system is set up is after the ticket is paid and marked "completed" then at the end of the month their program sends it over to DMV to be put on records...well if you dont cash you check the account linked to you ticket will always be pending at the computer will never send it off whenever it does its routine checks! the only way it can be caught is when they do their manual audit which is every now and then in a great while. put it this waay i have 3 tickets and 1 is on my record and it is about to fall off because by the time they catch it and send it over to be put on your record the ticket has been delt with years ago and it is only valid 3 years from when you recieved it...lol try it!

yaya i know my grammer sucks...bite me...
ill try it next time .by the way the girl in that ^^ pic. is hot!

[Butt Dyno]

here is the trick guys ill tell my secret(that i know of because i have friends in high places)
it has worked for me...k so say you get a speeding ticket and you cant take driver school for it. so u opt to take care of the ticket by mail can send in a check. they say send in ooo lets say $361 dollars so u send them a check for a lil more and they get it and the clerk puts it in the system as paid.(now at this point in time the ticket has not been put on your record a DMV yet(that is the next step in their process))...so the balance on your "account" with them is $361 and they enter $368 the difference is 7$ and by law they cannot keep any "gratitude" or similar so they write you a check for the difference and link the accout to your ticket. The way there system is set up is after the ticket is paid and marked "completed" then at the end of the month their program sends it over to DMV to be put on records...well if you dont cash you check the account linked to you ticket will always be pending at the computer will never send it off whenever it does its routine checks! the only way it can be caught is when they do their manual audit which is every now and then in a great while. put it this waay i have 3 tickets and 1 is on my record and it is about to fall off because by the time they catch it and send it over to be put on your record the ticket has been delt with years ago and it is only valid 3 years from when you recieved it...lol try it!

yaya i know my grammer sucks...bite me...
Wrong, clown.

http://www.snopes.com/autos/law/ticket.asp

[LightningRod]

here is the trick guys ill tell my secret(that i know of because i have friends in high places)
it has worked for me...k so say you get a speeding ticket and you cant take driver school for it. so u opt to take care of the ticket by mail can send in a check. they say send in ooo lets say $361 dollars so u send them a check for a lil more and they get it and the clerk puts it in the system as paid.(now at this point in time the ticket has not been put on your record a DMV yet(that is the next step in their process))...so the balance on your "account" with them is $361 and they enter $368 the difference is 7$ and by law they cannot keep any "gratitude" or similar so they write you a check for the difference and link the accout to your ticket. The way there system is set up is after the ticket is paid and marked "completed" then at the end of the month their program sends it over to DMV to be put on records...well if you dont cash you check the account linked to you ticket will always be pending at the computer will never send it off whenever it does its routine checks! the only way it can be caught is when they do their manual audit which is every now and then in a great while. put it this waay i have 3 tickets and 1 is on my record and it is about to fall off because by the time they catch it and send it over to be put on your record the ticket has been delt with years ago and it is only valid 3 years from when you recieved it...lol try it!

yaya i know my grammer sucks...bite me...

So original ...

I call :bs: on your three alleged hidden tickets ...

[BadTOYO]

My attorney couldn't get my last ticket dropped. Unfortunately the cop did everything correct with my ticket. The only thing the prosecutor would do was reduce the fine to that of a 15 over the limit ticket.
you need a new attorney, tim... ;)
R

[Tuppuguy]

Wrong, clown.

http://www.snopes.com/autos/law/ticket.asp

LOL!!! milesplume got pwned so bad.

[KevGT-S]

So you want a faster car because your insurance is too high :confused:


Just because the car is faster doesn't mean its more to insure. For example a 400hp GTO is less for me to insure than my Celica GT.


Maybe in your carse, but the point is, it's not the insurance that's the problem.

[marc]

Short of stopping speeding . . . .

Buy a Civic for $3000, swap a b18c1 for $2000, turbocharge (t3/t4) that for another $4000 - make 425 whp with a thicker head gasket and proper tuning - insure it as a cheap junker civic with minimum coverage and no collision or comprehensive.

[Butt Dyno]

Short of stopping speeding . . . .

Buy a Civic for $3000, swap a b18c1 for $2000, turbocharge (t3/t4) that for another $4000 - make 425 whp with a thicker head gasket and proper tuning - insure it as a cheap junker civic with minimum coverage and no collision or comprehensive.
Then get it stolen, and have your insurance go up :)

[XYRCNCP]

here is the trick guys ill tell my secret(that i know of because i have friends in high places)
it has worked for me...k so say you get a speeding ticket and you cant take driver school for it. so u opt to take care of the ticket by mail can send in a check. they say send in ooo lets say $361 dollars so u send them a check for a lil more and they get it and the clerk puts it in the system as paid.(now at this point in time the ticket has not been put on your record a DMV yet(that is the next step in their process))...so the balance on your "account" with them is $361 and they enter $368 the difference is 7$ and by law they cannot keep any "gratitude" or similar so they write you a check for the difference and link the accout to your ticket. The way there system is set up is after the ticket is paid and marked "completed" then at the end of the month their program sends it over to DMV to be put on records...well if you dont cash you check the account linked to you ticket will always be pending at the computer will never send it off whenever it does its routine checks! the only way it can be caught is when they do their manual audit which is every now and then in a great while. put it this waay i have 3 tickets and 1 is on my record and it is about to fall off because by the time they catch it and send it over to be put on your record the ticket has been delt with years ago and it is only valid 3 years from when you recieved it...lol try it!

yaya i know my grammer sucks...bite me...

and I bet you still believe in the boogeyman too.

[marc]

Then get it stolen, and have your insurance go up :)

I've never, ever, ever heard of anyone I know's car getting stolen or even touched.

[Butt Dyno]

I've never, ever, ever heard of anyone I know's car getting stolen or even touched.
My friend Dan's really nice Integra GS-R got stolen about a year and a half ago... and both he and I have heard several Integra (mostly ITR) owners who either had their car stolen, or were followed home by strangers, or the like. Jay from MM also got his Civic Si stolen last year. There are a lot of stolen car threads on hondatech, dragva, etc etc...

Maybe it's easier if you have a junky looking car...