Red Ps + 17years Old + Speeding Record + Skyline =?

[Krimz]

Im 18 from NZ and just converted my licence to P Plates in VIC and i get my open in 2 months I got quoted for a 1996 r33 gts-t $1800 premium (Just Cars), thats with perfect track record, apart from a few speeding tickets here. It maybe because ive almost held my licence for 3 years? The excess is high though at $1900 LOL

I know where your coming from dude about not driving a shitbox no more lol i know exactly what u mean!! but it al comes down to the $$ and if you rather waist it away, i know i would b kicking my self a few years time knowing i could have saved so much more money lol, but hey ya only live once so enjoy!! just dont risk anyone elses life

Edited May 25, 2007 by Krimz

[Spunky Munky]

Mate, I know your situation - hard but true...anyways, do not buy a Skyline - buy something like a Holden Commodore or a Ford Falcon or something - just something to get around in... pay third-party only insurance, stay on it for a few years... 3 plus years then get your point back then buy a Skyline... you're still young - not the end of the world yet.

[Kinks]

"boo hoo I'm on my P's and I want to buy an R34 GTR but I can't get insurance."

the rest of us drove slower cars when we were younger. added bonus, when (not if) you f**k up there's less chance of wrapping yourself around a tree.

[russo1]

jus car are coverin up 10,000 here in vic now due there new policy changes within the company so yur are covered up to 10,000 guyz

[Cassbo]

Got a bit of a conclusion at the end should you want to skip my stupidness

First, why all the VL bashing? Its the only decent Commodore anyway (RB30E ). Besides, the term sh tbox should never be used. Sure, a Excel might not be a nice car, but if your on a clay pan in the middle of nowhere... who cares?

In my experiences with insurance, a change of car in the eyes of the insurer is much more minor than a change of driver. Your idea of having your mother insured for the Skyline and you for the Mondeo could work, but I don't think you would save a significant amount of money (I'm too lazy to look it up so I might be wrong :laughing-smiley-014: )

Now for my long winded story.

Got my red Ps in 2004 (no V8, turbo or performance restrictions, as far as I read the rules) and I got it in an '88 R31 Skyline GX Wagon. Drove it to and from school and probably nearly killed myself a couple of times while doing it, but I learned how to control a rear wheel drive car. Anyways, year after and its time to pay for insurance. No record good or bad, still 17 and I could only insure it with NRMA for around $1500, third party property. (car was previously written off by my dad, we kept the car and re-registered it, somehow most insurers don't like this...) Needless to say both my parents and I where fairly shocked at this, so we decided to insure it under dad's name with me as the yongest driver. Another year passes, same thing happens again but come this around when we phone NRMA they said I was not on the policy. Then to have it properly insured under my dad's and my name would save me a whopping $200 from the original $1500, big deal . Thus, will not insure with them again. "Thankfully" the car did not pass rego due to some rust on the A pillar... To this day the car sits on the front lawn...

Then I got myself a V6 Magna, drove it for 2 months before my brother needed a car and I decided that it was too much of a luxury car, and I liked the "go-kart" feel of the R31. I bought myself a '91 Subaru Liberty GX, front wheel drive and almost all electric options. Insurance is easy, but it burns just as much fuel as my R31. Now I have enough cash for a tidy R33 GTS-t Series 2, but lack the balls to part with my money.

Anyways, before I write an epic novel here I would just like to recommend a car should you not get you Skyline would be a Gen 3 Subaru Liberty (2002 - 2003). (IMO) Looks good, goes well and hole their value reletivly well untill you sell it for your Skyline. Or if you still want an import a Mitsubishi FTO, although, insurance isn't going to be much cheaper than the Skyline...

Whatever you get just keep in mind that they all cars can break the speed limit, some just do it quicker than others

Conclusion: Skyline insurance should be full comp, unless you earn roughly $20k a week or you get a really dodgey one and keep an open mind, look around for other cars that aren't "sh tboxes" (beauty is in the eye of the beholder and all that stuff...)

Edited May 27, 2007 by Cassbo

[-33-]

Oh ffs all these responsible comments... THATS IT IM GOING TO NS.COM

Seriously this thread has popped up for the 50th time. Lets make it simple.

TEENAGER + IMPORT = HIGH INSURANCE

[kelumzi]

I recommend full compehensive. Better being covered in cause of an accident.

My first car was a subaru wrx turbo when I just got my P's. I crashed the car in less then 2 weeks of owning it due to lack of driving experience. (When you are young, you think you can drive, WRONG)

Paid 3600 per year and 2600 excess in cause of accident... It may be a lot of money but if I wasn't covered for full compehensive I would of lost over 20000 dollars as the car was a totally write off.

You get the idea, best of luck and good on you for buying a non turbo and drive safely.

[vidospace]

Buy a VL etc and learn to drive first. Save up the cash and put it into a better import in a few years when you can drive a turbo. You will have at least had a powerful-ish rearwheel drive to start off with.

[Freddy Kruger]

get an oldschool holden or something.

for me:

r33 gtst full comp - $2250

HZ 5l ute full comp - $350

thats $1900 difference!!

[vhs2]

hey man im 17, red Ps n ive got an r34 non turbo...no insurance as of yet..had it since dec 06

but i have another shitbox car that i always drive to work n shit..its done 400k hahaha 20 yearold car, so reliable.. a holden astra 1980s or someshit, its 1.8L..i prolly mite rack up my insurance record on that car tho...should b like 400 a year lol

i mainly use the skyline on weekends tho..sat n sun n thats it..but i should b getting around to getting full comp. under my name but hopefully i aint paying it

[yye-33w]

mate, im 23 nearly got my r33 in december last year, i know where your coming from hey. these ppl are idiots you are one of the people who got their red ps after the rule came in that states:

You cant drive V8s, Turbos, or high performance cars etc etc.

If you want a skyline i advise you get a non turbo i.e R33 gts not gts-t or an R34 like you said GT not GTT.

If people on this site ccould read then they would be more understanding of you. I understand what its like to passionately want a skyline! have done since i was 17 but i am one of the lucky ones who got their license b4 the high performance restrictions came in.

So you only live once mate, go and get the car of your dreams, i am very happy with my skyline but

BE PREPARED TO SPEND LOTS OF MONEY ON IT KEEPING IT ON THE ROAD.

Also Just Cars might not be the only place insuring non turbo cars.

If you dont want a non turbo then i advise you get a V6 or something.

Good luck