Need Help!

[dk.boi]

Hi,

I recently bought a nissan skyline r34 25gt, non turbo, 2 door coupe. I am having mass amount of trouble finding a decent insurance. i went to RACV and they quoted me $8,000. JustCars quoted me $3,000. I am from Victoria. Was wondering if any of you guys can help. All suggestion will be appreciated.

[mad082]

you are only young and probably live in the city going off that price. the car is an import and classed as a sports/performance car (even though it isn't turbo) and you are in your first year of having your licence (going off another post where you said you are on your red p's). welcome to the world of owning imports, where high insurance is the norm (although at your age and for the price of the car you have even a commodore of similar price probably wouldn't be that much cheaper). i think you will be lucky to find insurance much cheaper than that through other places. if you aren't willing to pay that sort of money for insurance then you should've taken that into consideration before buying the car, or go without insurance and hope like hell you never need it.

[ONE-VIA]

are you under or over 25

if under 3g is probly the best you will get

accident history?

[dk.boi]

are you under or over 25

if under 3g is probly the best you will get

accident history?

no accident history

[dk.boi]

you are only young and probably live in the city going off that price. the car is an import and classed as a sports/performance car (even though it isn't turbo) and you are in your first year of having your licence (going off another post where you said you are on your red p's). welcome to the world of owning imports, where high insurance is the norm (although at your age and for the price of the car you have even a commodore of similar price probably wouldn't be that much cheaper). i think you will be lucky to find insurance much cheaper than that through other places. if you aren't willing to pay that sort of money for insurance then you should've taken that into consideration before buying the car, or go without insurance and hope like hell you never need it.

dosnt it make much difference if im 2nd driver?

[mad082]

not really, no. they base it off the worst rating history driver. when i had my 33 my insurance was $950 for just me, or $1050 if i had the missus on too. she was a rating 2 and i was a rating 1. but i was 23 at the time, she was 21 and i live in a small town, so that made it a fair bit cheaper. when i had my 180sx i was only 21 and i was paying $1750 a year, but again, only live in a small town. was a few hundred cheaper than if i lived in a major city.

[noely1]

i have a 25gt n/a 34 and im only on my p's and justcar charges me $2,000 for full comprehensive... justcar is giong to be ur best choice man

[R34 -_-]

Iv got an r34 25gtv and it cost me $2000 on my first year $1500 on my 2nd and I'm about to find out how much its going to be for my 3rd year, iv had it since i was 16 and went through my parents for insurance which helped a little bit.

One other thing to watch out for is when you mod your car the excess goes up fair bit.

If you want to pay a middle man an extra $100 or so they look at the all the insurance companies and find you one that offers the best deal. Otherwise as a minimum get third party + fire/theft insurance

[jrh001]

...Otherwise as a minimum get third party + fire/theft insurance

Good advice. 

JH

[dk.boi]

Iv got an r34 25gtv and it cost me $2000 on my first year $1500 on my 2nd and I'm about to find out how much its going to be for my 3rd year, iv had it since i was 16 and went through my parents for insurance which helped a little bit.

One other thing to watch out for is when you mod your car the excess goes up fair bit.

If you want to pay a middle man an extra $100 or so they look at the all the insurance companies and find you one that offers the best deal. Otherwise as a minimum get third party + fire/theft insurance

Yeah, im with just cars now. 2.1 k premium and 3k ecesss, so i think imma go third partyand fire/theft. hopefully i dont crash :S.

[R34 -_-]

Also helps to put in a 5 star alarm and get at least a double immobilizer (as single doesn't mean much insurance wise), that should cut down your excess a bit and lower your premium a little bit. Your first year of insurance is always a bitch but after awhile (with no claims) they lower everything, try stay with one company and build a reputation with them as the longer your with someone and have had no claims they'll start charging you less and less every year .

Oh and just for the record iv stated the pro's and cons of third party insurance:

Pro's:

- The excess on full insurance is usually more than what it would cost to fix the car yourself, so if you did crash your better off (if its small stuff like front/rear bumpers)

- Its cheaper full stop.

Cons:

- If some drunk idiot has a rage on your car your f!cked in the wallet.

- If someone crashes into you and doesn't have insurance you may have to fork out on legal fees to get them to fix your car.

- as above, but they do a runner again your f!cked in the wallet.

Third party is only good for shit box cars so i wouldn't recommend it, personally i sleep better at night knowing I'm covered for anything that happens to my car.

Edited May 11, 2010 by R34 -_-

[curlyjimbo]

I've got an R33 N/A, and I'm paying $1700 with a $700 excess with Shannon's. 18 Year old.

Edited May 11, 2010 by curlyjimbo

[Galois]

really? shannons wouldnt insure me... bitches lol

im with justcars with r34 gtt. it was part of the insurance that i had to get an immobiliser, else it was void. was about 1900, cant remember excess.

i agree, i sleep better knowing that i can't lose many grands by some fools actions

[sydking]

I've got an R33 N/A, and I'm paying $1700 with a $700 excess with Shannon's. 18 Year old.

Really? im with JustCar paying 2.1k with a 3k excess, what are you covered for?

[curlyjimbo]

Full comprehensive, all under my name.

[sydking]

Full comprehensive, all under my name.

I might have to change over then.

[sydking]

I've got an R33 N/A, and I'm paying $1700 with a $700 excess with Shannon's. 18 Year old.

Bump! Just called shannons to change my insurance over to them, they sed no becasue i need 5 years of driving experience, licensed or not. she asked if i had done 4 wheel driving or track racing, i sed no, then was asked if i had and defensing driving coursed done then they might take that into account.

[curlyjimbo]

Bump! Just called shannons to change my insurance over to them, they sed no becasue i need 5 years of driving experience, licensed or not. she asked if i had done 4 wheel driving or track racing, i sed no, then was asked if i had and defensing driving coursed done then they might take that into account.

I won the 2009 Driver of the year at METEC Driving center, and I did use that as a reference - I'm assuming that's maybe why I'm on the plan I'm on?

Do a driving course anyway, they're fun, and always helpful no matter how much you think you know about the road.