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01-07-2008, 12:33 PM | #1 |
Senior Member
Join Date: Jul 2007
Location: Sydney
Car: 1990 323 Astina BG SP
Posts: 1,071
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Which insurance do you use?
Hi all, what with the getting of the SP and whatnot, I need to organise a new insurance policy. As an L plater on the SOHC I was covered (and still am, for a while at least) by GIO, at a pretty reasonable rate - I think it was around $750.
But now as a P plater, and with the SP, the same policy would cost nearly $1500 because of their ridiculous premiums - $400 for my age, $500 for being a P-Plater, $100 for the mods on my car (cat-back exhaust, CAI, steering wheel, mag wheels), and $250 to have my dad as a listed driver. So what does everyone here have for insurance? |
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01-07-2008, 02:05 PM | #2 |
Senior Member
Join Date: Oct 2006
Location: Adelaide
Car: BA V6 Hardtop 5 Speed & 97 Prelude VTIR
Posts: 1,518
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Astina's in the old mans name with RAA. $450 per annum full comp,
im listed as a secondary driver and there's no extra charge Prelude's in my name with RAA. $2400ish per annum full comp. Fcuking steep hey? I figure 2 more years, i get rating one and thats it. Im home free.
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01-07-2008, 02:17 PM | #3 |
Administrator
Join Date: Mar 2002
Location: melb.vic.au
Car: AZ-1, Astina Hardtop Turbo, BJ Protege, Beetle
Posts: 16,525
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Shannons for both cars. Under $1k for both cars (combined).
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01-07-2008, 03:59 PM | #4 |
I MUST STOP MAKING STUPID POSTS! Yet I keep on making them. And I wonder why I get banned?
Join Date: Mar 2002
Location: DansVille
Car: auto
Posts: 4,326
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insurance is for girls.
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01-07-2008, 04:01 PM | #5 |
Administrator
Join Date: Mar 2002
Location: melb.vic.au
Car: AZ-1, Astina Hardtop Turbo, BJ Protege, Beetle
Posts: 16,525
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jdmparts.rupewrecht.com Sourcing your not-quite-overnight parts from Japan WRECHT--|--SLOWTEGE--|--BEETLE--|--SUBSTITUTE--|--AZ-1 |
01-07-2008, 06:36 PM | #6 |
Senior Member
Join Date: Mar 2007
Location: Brisbane
Car: Red '93 3000GT / Black '08 Ninja 250R
Posts: 2,930
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AAMI $1300. make sure you're on the policy if you're under 25, quite a few insurers won't pay out if you're under 25 and not on it, even if its comprehensive
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Understeer is when you hit the wall with the front of the car and oversteer is when you hit the wall with the rear of the car. Horsepower is how fast you hit the wall, torque is how far you take the wall with you. '97 1.8L Hardtop '93 3.0L TT 3000GT |
01-07-2008, 09:07 PM | #7 |
Senior Member
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Third Party with RACQ $340 or something. Can't afford comprehensive (approx 2500).
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01-07-2008, 10:09 PM | #8 |
Junior Member
Join Date: Jun 2008
Location: Sydney
Car: BG Astina
Posts: 228
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I didn't bother with a quote for comprehensive insurance because i knew it would be too much (im a p plater) and i was given my car anyway.
I've got Extended 3rd Party though with Allianz, costs me $750. Don't wanna hit a BMW and end up with a $10 000 bill do i now. |
01-07-2008, 10:56 PM | #9 |
Junior Member
Join Date: Mar 2007
Location: Brisbane, Australia
Car: '97 BA Astina
Posts: 122
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Im in the same situation as Red Line. Fully Comprehensive on my Dad's insurance as a named driver.
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01-07-2008, 10:56 PM | #10 |
Veni, vidi, vici
Join Date: Mar 2008
Location: Brisbane
Car: 1996 BA Hatch & 2005 RX8
Posts: 4,911
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shannons listed as a second driver under 1k
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01-07-2008, 11:16 PM | #11 |
Senior Member
Join Date: Jul 2007
Location: Sydney
Car: 1990 323 Astina BG SP
Posts: 1,071
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Shannons sounds good in theory but I'm only 21, and all drivers must be at least 25.
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01-07-2008, 11:51 PM | #12 |
Senior Member
Join Date: May 2005
Location: Sydney Lakemba
Car: mx-6 626 Gs300 Maz2 was 95 KF BA-HT
Posts: 2,024
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Shannon is great if your. over 25 - fine
but for me - Record - KILLS Plus read the fine print on the cheap cover even classic cover. My cars old enough. - 5000km's a year only. Now I don't like AAMI - no choice of repairer. one of my best advies is get a good repairer and use them. It works out long term. I use NRMA. Would you belive your probelry all paying less than me and I have multicar policy. Plus Green slips. I had a quote as it's new first time Green slip for the wagon. old one GIO- lovely $700 - NRMA first quote didn't tell them details like I've got other policies etc $790 2nd call worked out at $650. tha'ts only green slip. Don't want my 3d party property or comprehnsive quotes on any of my cars. best one was MX-6 worth $10k - premium $10K- love it It all varys on your situation. first off you made a few mistakes you told them of the mods. Most people don't relise - the right modification is legal under policy. EG Canoon - NO Hi flow muffler fitted correclty with nice tips - yes No need to tell. intake - hi flow filter inside stock box - allowed no need. suspension - as long as no major changes - say sliglhty lowered springs - replaced worn items. Don't bother, insurance companys don't care about steering wheels etc. They might not cover you but. is it worth an extra $100 a year to cover items like them - even mag wheels. I've got mags in my back yard sitting around with good tyres on them too. original price retail (not what I paied)$1200 tempe tyres. Now worth I don't care. maybe $400. Who knows. never insured them. What for. Damge buy a new set for what now 17's are like retail $800. if you CAI is just pipe -replacing the stock intake. unless it was major accident and you did something stupid. Your car is so old it's written of anyway. You would think I'd cry saying get it etc. but look at my old BA astina - Before written off Had brand new eibach's - kyb's whiteline rear bar. CAI - custom - air filter full serviced engine still clean oil even on 5000km change still clear. 17's. The only winner when it was gone was wreaker who bought it at auction. As every part was worth it. NRMA just let my panel beater quote it was gone before they got to the out side body work. Lucky only payed one year of insurance on it. Here are few other tips for all Not at fault got the other guys full details. Dont' claim on your policy. Always on theres, Again your personal panel beater and your personal assesor can come in. understand just because they say it costs $6000 - they don't always quote new parts. OR your personal parts. 2nd tip Read the policy books, makes smart modificatiosn for your car. If oyu don't have the money aim to achive both performance and economy. That means all round economy Wasting $100 on tell insurance companys about modifications that aint' worth it. think about it like this. One of my cars rims get ripped off. put a claim in for what wheels say $1000 worth excess =(not mine) but $500 now they check the value etc and may pay out your $1000 but did that cover the tyres ( read fine print - usually wear items not covered, it's why shocks in accident cars don't need to be replaced new ) The steering wheel for example is not only worth nothing street market wise, to insurance company it's just another $100 they have taken. Ask your selves this quesiton how often is a aftermarket wheel stolen these days ? Not often - Same as stereo's Most common - Air bag wheels (thats stock that's always covered as you can't change it anyway) Stereo's equipment devalues so quickly, again Smart choices mean it aint' going to be taken. When your young have little money one should think about how much is it worth for me to have all this covered. Insurance compnay takes a risk assesment and as a customer you should too. Risk managment, Car's devalue so quickly and it's so easy to make them targets. Making the right choices allows you reduce the risk and the associated costs. |
01-07-2008, 11:54 PM | #13 |
Nate Dog
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WTF!!! under a G? i find it hard enough to believe seeing as it's modded all to hell, turbo charged to boot, and they insure a done up beetle all within the Grand?
You must be one of the best negotiaters around. Next time i buy a car/bike/house, i'm flying you up to sydney and putting you in a hotel for the duration of the negotiations!
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02-07-2008, 07:09 AM | #14 | |
Moderator
Join Date: Oct 2005
Location: Ipswich, Queensland
Car: 2002 Mazda Astina SP20 2006 Mazda 6 GY Wagon
Posts: 9,769
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Quote:
I have Allianz with the sp20, its $90.94 a month, better than when I was with scumcorp, they wanted $147/month when I pranged my car & claimed a windscreen! That price with allianz is under my old mans name, with me being the nominated driver... Going to be changing to RACQ in October, so that I can register and insure it all under my name, it'll go up to $105/month but would prolly drop again in december, I would have had been driving for 5 years...
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02-07-2008, 08:41 AM | #15 | |
Administrator
Join Date: Mar 2002
Location: melb.vic.au
Car: AZ-1, Astina Hardtop Turbo, BJ Protege, Beetle
Posts: 16,525
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Quote:
And i think the Beetle's only insured for about 4 or 5 grand. Exactly! And they're both parked off street, and i'm out in the suburbs.
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02-07-2008, 09:52 AM | #16 |
AstinaGT Regular
Join Date: Apr 2008
Location: Newcastle NSW
Car: 1998 Honda Civic CXi Hatchback
Posts: 355
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OMG... there are way too many insurance companies to choose from. I just want a decent price to insure my first car (when I actually buy one) but I'm in no rush for that as I'm on my L's at the moment. But seriously, insurance is hard work to understand at times. Good job RodHog analysed it for me because I know I'll be doing it up the best I can. I'm still looking around for some decent BA's around Newcastle/Sydney that aren't red! Anyone know of any??
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02-07-2008, 10:40 AM | #17 |
Senior Member
Join Date: Aug 2007
Location: cronulla
Car: 2L 96 BA hatch
Posts: 1,131
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im paying 180 a month as a named driver on my dads policy for a v6, is that on par? or is it steep? i think im with aami
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02-07-2008, 11:56 AM | #18 | |
Moderator
Join Date: Oct 2005
Location: Ipswich, Queensland
Car: 2002 Mazda Astina SP20 2006 Mazda 6 GY Wagon
Posts: 9,769
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Quote:
lol he tried to argue with me about why mines so cheap compared to his, he couldnt get it into his head that I have a 4cyl & not a 6!
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02-07-2008, 12:17 PM | #19 |
Senior Member
Join Date: Aug 2007
Location: cronulla
Car: 2L 96 BA hatch
Posts: 1,131
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yeah im almost 20.. i guess.. but im a safe driver.. just wish the insurance company would see that haha
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02-07-2008, 01:24 PM | #20 |
AstinaGT Regular
Join Date: Jan 2008
Location: Sydney
Car: 323 Astina '03
Posts: 263
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Lol, I'm paying... like (cant remember) around $2600 in premium with a $1000 excess
With Justcar, AAMI were more expensive (even though Justcar is run by AAMI... go figure) NRMA are through the roof
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