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33Spec2

By 33Spec2,
in General Automotive Discussion

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33Spec2 Grand Master

33Spec2

Posted
Posted

Hey ppl wats up?! This is 2 hear from all the skyline owners under 21 (or who had a Skyline when they were under 21) as i am 19 and am finding it a bitch 2 get insurance! The best quote i could get was $2500 and i dont even have a turbo! does this sound right? They really do make it hard 4 ppl 2 have a nice car!:D and there is no way im gonna swap it 4 a Lancer or Excel im willing 2 do watever it takes. So i jus wanna know where u all get your insurance and 4 how much?

Also do u guys reccomend getting insured under a parents name? Is there a downside 2 doing this and can it b done with an import?

Please help this young and frustrated Skyline fan!:)

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red900ss Grand Master

red900ss

Posted
Posted
Originally posted by 33Spec2

Also do u guys reccomend getting insured under a parents name? Is there a downside 2 doing this and can it b done with an import?

No. If the insurance company find out they can deny your claim.

Do a search for "Insurance". Good Luck! :D

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REDGTT Grand Master

REDGTT

Posted
Posted
Originally posted by 33Spec2

Hey ppl wats up?! This is 2 hear from all the skyline owners under 21 (or who had a Skyline when they were under 21) as i am 19 and am finding it a bitch 2 get insurance! The best quote i could get was $2500 and i dont even have a turbo! does this sound right? They really do make it hard 4 ppl 2 have a nice car!:D and there is no way im gonna swap it 4 a Lancer or Excel im willing 2 do watever it takes. So i jus wanna know where u all get your insurance and 4 how much?

Also do u guys reccomend getting insured under a parents name? Is there a downside 2 doing this and can it b done with an import?

Please help this young and frustrated Skyline fan!:)

My best adbice I can give you is Get only third party property damage and drive safely and enjoy your car and install Quic trac.

Its only 300 bucks a year to monitor for you.

Best ideal way for you. trust me.

The money yuou can save instead of having comprehensive can be saved for a rainy day repairs if you do get into an accident.

Its like yor own insurance.

Good luck my friend.

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jmp Rising Star

jmp

Posted
Posted

$2500 is cheap, Famous Insurance quoted me $3600 for a `96 non-turbo and I am 18, but 0% NCB as I havent had a full year of insurance yet.

I don't think I would even bother with a non-turbo as the price difference in terms of insurance is quite neglegable, that's why I am going the GTiR path.

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Southo Collaborator

Southo

Posted
Posted

$2500 on a $25000+ car is pretty cheap for a Yound Driver, with low NCB, sports/performance car that is an import etc. It's not the insurance companies making it hard, its all the drivers crashing them and not taking adequate security measures to stop them being stolen that forces the prices up.

My premium is about $500 on a $6,000 R31 Skyline - so as you can see, I still manage to pay about 10% of the car value etc.

As for only having Third Party Property - that is a big call to make - I know I certainly wouldn't do it unless I could afford to just replace my car if something ever happened to it. There are lots of examples I could give where you have no claim against anyone to repair / replace your car if it was damaged or stolen if you have no insurance.

My preference for a tracker is Navtrak - They cost from $1950 which covers your first year monitoring and installation.

I currently have a Quik Trak, but will be pulling that out soon and fitting a Navtrak as they offer greater coverage.

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Dragon18 Rising Star

Dragon18

Posted
Posted

ahh another 19 year old just like me in the same situation

how are ya man

i got my best quote off famous classic car insurnace for 3150

for my 97 180sx type x. now thats the best deal i have found and iam actually going to pay that cash +) yes iam hehe call me crazy =)

well buddy i learned from the guys here and it goes

if you cant afford to pay insurnace they u cant afford the car man

sounds harsh yes. i hate it when they all said that but its true

my reconmendation save some cash insure it under your name. dont take the risk just like me your young and can somtimes do stupid things =) i admit i have and learned =) so get full comp =)

thats my 2 cents =)

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predator Grand Master

predator

Posted
Posted

Remember in a way you are probably driving a $20,000 car afterall, no matter what the performance aspect, it generally still costs you around $1000 to insure any car of around that value. That is just the costs they charge to replace it...or the 20 skylines they have to insure to pay for a fully written off one, or stolen one.

I'm 26, rating 1 and I still will be paying $2030 to insure my modified R33. So even as you get older, and have a good driving record you still will pay a fair amount. This is I guess the price you pay for having some unique and not just another common-dore.

If you can't afford it, well, yeah, maybe wait a few years...because well you do want some years of driving behind you before you get into something it is really a high performance car only a few steps down from a porshe, ferrari or the like. There are many things I am glad I learned in crappier cars, and i had the dents to prove it!

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unwritten law Proficient

unwritten law

Posted
Posted

i just got a quote from just car insurance for a r32 skyline gtst to the value of 15k. it came in at $2500/yr on a rating 3. mods included exhaust, bov, filter, mags. i thought that wasnt too bad seeing as though i am 20. I do have a near perfect driving record as well.

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33Spec2 Grand Master

33Spec2

Posted
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Posted

Thanx 4 the replies!

Yeah i guess yous r right if u cant afford the insurance u cant afford the car! i guess ill jus have 2 pay $2500 4 now unless i find sumthin better.

But i might try a broker and see what they can get me does anyone know of a good broker?

:confused:

Thanx again 4 the help!!!!!:D

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uLa32 Proficient

uLa32

Posted
Posted

insurance companies pretty much bug you until your 25... :D

Originally posted by 33Spec2

Hey ppl wats up?! This is 2 hear from all the skyline owners under 21 (or who had a Skyline when they were under 21) as i am 19 and am finding it a bitch 2 get insurance!

and yes $2500 is cheap. go for it!

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xRHETTx Mentor

xRHETTx

Posted
Posted

Hey $2500 for a skyline is not too bad. Ive got a friend who 'inherited' a 2000 Mazda 323, just to be stuck with an insurance premium of $2500! For a 21 year old chick!

Does anyone know where to get more info on NAV track? How much does it cost for monitoring? If i was getting a tracking device i wouldnt get Quiktrak as it only has a limited range, unlike turbotrack and (i think) NAvtrack - they work anywhere as they use GPS.

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