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#1 2006-08-22 1:11 pm
Just got a new car...damn insurance!
I called up my insurance company to get a quote for a new '07 Toyota Yaris, and they said I'd be paying $30 more a month for insurance. With the gas I'd be saving over my 1992 Audi 100 CS (20 MPG vs 35MPG) the choice was obvious. I'd be saving money bu\y buying a new car and doing the same amount of driving. And that was just before repairs that I wouldn't have to worry about. Then I bought the car and called up the insurance Monday to add it to my plan and remove the Audi so I could sell it. They told me now, that I'd be spending $80 more a month! Those bastards! Now I'm looking for an insurance broker to get a better deal...nothing like aking a car payment for your insurance! The car is all payed off and I'm still paying about $300 a month because I'm under 21, single and have a penis! I know the accident when I was 17 didn't help, nor that speeding ticket when I was 18, but c'mon! They knew about that and quoted me $30 a month! I could see $40 or even $50 a month...that's a closer to the quote...$80 is more than double their smurfing quote!
I'm still saving money because of the amount of driving I do and the lack of repairs needed now, but jeeze!
Last edited by PHUSMC (2006-08-22 1:12 pm)
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#2 2006-08-22 1:38 pm
Re: Just got a new car...damn insurance!
You're under 21 and spending money on a brand new car? Why?
That sucks about your insurance though.
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#3 2006-08-22 2:27 pm
- test
- Member
- From: Collingwood, Ont., CANADA
- Registered: 2002-12-13
- Posts: 5300
Re: Just got a new car...damn insurance!
Insurance companies are gangsters, plain and simple. Whatever they quote you, convert it to metric - ie, double it and add 32 ($ or %, whichever is bigger). That'll get you in the ballpark, if you're lucky. Then be prepared to be shocked when you get the bill.
Patience is a virtue of the weak for it makes them stand still long enough for the strong to crush them with ease.
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#4 2006-08-22 3:24 pm
- Pariah
- James Carville Fan..
- From: Belly Of The Beast, Oklahoma!
- Registered: 2001-05-24
- Posts: 18402
Re: Just got a new car...damn insurance!
Malkin wrote:
You're under 21 and spending money on a brand new car? Why?
That sucks about your insurance though.
Practicing to be a typical American, up to his nose in debt till he dies..........at least thats my guess.
"and it's not surprising that they get bitter, they cling to guns or religion or antipathy to people who aren't like them or anti-immigrant sentiment or anti-trade sentiment as a way to explain their frustrations."
Barack Obama
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#5 2006-08-22 3:37 pm
- tomfoolery
- Zu-Zu-Zune!
- From: Blue Zune of Death
- Registered: 2004-10-22
- Posts: 2303
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Re: Just got a new car...damn insurance!
You're under 21, you have a penis, and you drive a Yaris. No wonder you're single! 
tF
ps. sorry 
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#6 2006-08-22 4:00 pm
- tomfoolery
- Zu-Zu-Zune!
- From: Blue Zune of Death
- Registered: 2004-10-22
- Posts: 2303
- Website
Re: Just got a new car...damn insurance!
Oh good lord, you have a 4-door sedan Yaris in the US. You really just don't get small cars, do you?
tF
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#7 2006-08-22 4:56 pm
Re: Just got a new car...damn insurance!
If you have a parent or grandparent who was in the US military, have them join USAA, then sign up as a child.
USAA is not a gangster, plain and simple. I've had my car insurance through them for 12 years, had a couple of claims through them, and I have nothing but positive things to say about them. 
And my insurance payments for my Celica, with collision coverage, are less than $80 per month.
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#8 2006-08-22 5:12 pm
Re: Just got a new car...damn insurance!
decker wrote:
If you have a parent or grandparent who was in the US military, have them join USAA, then sign up as a child.
USAA is not a gangster, plain and simple. I've had my car insurance through them for 12 years, had a couple of claims through them, and I have nothing but positive things to say about them.
And my insurance payments for my Celica, with collision coverage, are less than $80 per month.
Straight up, best bank/insurance/brokerage/everything company on the planet.
Just like back in Saigon! Eh, slick?
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#9 2006-08-22 5:53 pm
- Fried Chicken
- Member
- From: Good question - keeps changing
- Registered: 2003-11-17
- Posts: 4557
Re: Just got a new car...damn insurance!
Do as the commercials say, use Geico
Just because something is legal, doesn't mean it's right. Just because something is illegal, doesn't mean it's wrong.
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#10 2006-08-22 5:56 pm
- Macskeeball
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- Registered: 2002-02-07
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Re: Just got a new car...damn insurance!
decker wrote:
If you have a parent or grandparent who was in the US military, have them join USAA, then sign up as a child.
USAA is not a gangster, plain and simple. I've had my car insurance through them for 12 years, had a couple of claims through them, and I have nothing but positive things to say about them.
And my insurance payments for my Celica, with collision coverage, are less than $80 per month.
Actually, he himself was in the Marines. Notice his website link.
tech writer for hire
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#11 2006-08-22 6:07 pm
Re: Just got a new car...damn insurance!
Malkin wrote:
You're under 21 and spending money on a brand new car? Why?
That sucks about your insurance though.
Because I have the money and the VA gave me $11,000 towards the purchase of a new car. I just saved up the rest which didn't take long, as I'm still being paid by the US Marines until I get out medically, then the government will be paying me for the rest of my life anyways.
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#12 2006-08-22 6:08 pm
Re: Just got a new car...damn insurance!
Pariah wrote:
Practicing to be a typical American, up to his nose in debt till he dies..........at least thats my guess.
Actually, I have about $90,000 in the bank...I have a credit score of 745 too...And I just turned 20 this month...
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#13 2006-08-22 6:09 pm
Re: Just got a new car...damn insurance!
decker wrote:
If you have a parent or grandparent who was in the US military, have them join USAA, then sign up as a child.
USAA is not a gangster, plain and simple. I've had my car insurance through them for 12 years, had a couple of claims through them, and I have nothing but positive things to say about them.
And my insurance payments for my Celica, with collision coverage, are less than $80 per month.
I'll have to check that out. Thanks!
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#14 2006-08-22 7:36 pm
- jondaris
- Member
- From: Baltimore, MD
- Registered: 2000-08-21
- Posts: 4350
Re: Just got a new car...damn insurance!
Try cutting off your penis and see if that helps.
"All the problems we face in the United States today can be traced to an unenlightened immigration policy on the part of the American Indian" -- Pat Paulsen
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#16 2006-08-23 9:33 am
- iBubba
- Displaced
- From: central Iowa
- Registered: 2000-10-06
- Posts: 7109
Re: Just got a new car...damn insurance!
Grats on all the above, save the shanking from the insurance copy. Lessoned learned here: get it in writing.
"Hell, I'm sure Og had some cool way of banging two rocks together, until he took himself too seriously."
- Pithecanthropus
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#18 2006-08-23 12:40 pm
Re: Just got a new car...damn insurance!
A quote is usually not a guarantee and having it in writing may not have helped you in this case anyway.
Last edited by Malkin (2006-08-23 12:40 pm)
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#19 2006-08-23 2:00 pm
- iBubba
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- From: central Iowa
- Registered: 2000-10-06
- Posts: 7109
Re: Just got a new car...damn insurance!
Malkin wrote:
A quote is usually not a guarantee and having it in writing may not have helped you in this case anyway.
Mal is right, but I would contend that it wouldn't hurt...
"Hell, I'm sure Og had some cool way of banging two rocks together, until he took himself too seriously."
- Pithecanthropus
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#20 2006-08-23 2:23 pm
Re: Just got a new car...damn insurance!
Aha! I called up my insurance, and they made a mistake, and it's now the original $30 extra a month that they quoted...whew!
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#21 2006-08-23 4:27 pm
Re: Just got a new car...damn insurance!
PHUSMC wrote:
Aha! I called up my insurance, and they made a mistake, and it's now the original $30 extra a month that they quoted...whew!
Odds are good you'd still be better off with USAA. --Price-wise and for service.
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#23 2006-08-23 4:40 pm
- SonicSamurai
- Tachikoma!
- From: Section 9
- Registered: 2003-01-28
- Posts: 5129
Re: Just got a new car...damn insurance!
Im more suprised hes around 21 and only paying $80. I'm 24, no accidents, and paying $100+. What magical insurance company do you have?
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#25 2006-08-23 7:08 pm
- dv
- Negusa Negest
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- From: Minneapolis, MN
- Registered: 1999-08-30
- Posts: 18092
Re: Just got a new car...damn insurance!
PHUSMC wrote:
$80 MORE per month. I'm paying $282 a month for total coverage.
See, I only pay about $80 a month. But then again, I own the old beater outright and have no collision on it, and I'm 24.
Can't wait till next year - I'm hoping it'll hit $70/month.
"Now commences the process of cutting off the head, which generally takes from an hour to an hour and a half by an expert workman with a sharp blade." -Reuben Delano, Wanderings and Adventures
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