Car Insurance costs ........ ? What do you pay?

[Psycho Chicken]

$1650, Full comp, 19 yo, rating 5 (urk), NC Fairlane Ghia 5.0.

[CruizinEB]

i dont have insurence,it costs to much:(

[cominthru]

bout $550 a year for full comp with HBF, for EB falcon (intd for $6000)...like $600 excess i think or mayb more!
plus the $4500 worth of stereo and $1600 worth of mags not insured! :

[Full Noise]

Originally Posted by Full Noise

I pay $1048 per year for the GT-P (agreed value $80,000) and $790 for the XR ute (all mods included) with the RACV.

This post was unable to be edited. : I forgot to mention that the GT-P was with Shannons.

Cheers, Danny

[CruizinEB]

your better off putting the money in the bank so if some car hits you you've got the money there + there is no fees

[Mrs347stroker]

Originally Posted by CRUIZIN EB

your better off putting the money in the bank so if some car hits you you've got the money there + there is no fees

And when you hit the car in front you????


I have all 3 of mine insured, I am 32, rating 1 for life, 1 at fault accident in life (bonnet flew up uver windscreen) and pay as follows,

FBT $723 per year, agreed value of $47 000 Suncorp

XHXR8 $788 per year, commercial insurance

ELXR8 $927 per year, all mods inclusive.

Add that with just on $800 per car for rego, and it all starts looking bad for the wallet.

[347Stroker]

Sorry guys, above post was meant to be from me, didnt realise the wife had signed in on my computer.

[XplosiveR6]

Originally Posted by CRUIZIN EB

your better off putting the money in the bank so if some car hits you you've got the money there + there is no fees

you must have a ton of cash in your bank to pay for the other car?

I pay 1,422 a year on rating 4 at the moment with RACV with my EF, it sadens me

[Kenaz]

I pay about $950 p.a. full comp for a 97 EL Fairmont Ghia V8. I'm 23yo. This is with RACV.

[aquahead2001]

Too Bl*&dy Much!!!!

Just got the renewal and it's $688 for our 2001 AUII Fairmont Wagon with Tickford Suspension and 17" wheels Agreed value of $24,400, which way higher than the market value. But the difference is only $40 in the premium!

I'm going to do a shop around this week as I think we can do better...

[Yaw]

Originally Posted by CRUIZIN EB

your better off putting the money in the bank so if some car hits you you've got the money there + there is no fees

You might want to consider if your at fault in even a small accident that causes one of the many saftey devices on the numerous cars that have them to deploy, for example a mazda 3 side air bag deploys, the replacement for that is the front seat as it cannot simply be repacked. without any other damage to the vehicle and without labour, that part to replace is $7000.00 thanks for comming. The basic point I am making is there are very few accidents that cost under $5000.00 in repairs.
Another example you may wish to consider..hit the back of a mer or a bmw and those cars may deploy 4 air bags, even if the damage is not much fixing the air bags is. This is part of the reason insurance premiums keep going up because claims get more and more expensive with each extra saftey device and also why certain companies price themselves out of the market on cars they don't want to cover.

ITS BEEN SAID BEFORE AND I'LL SAY IT AGAIN, IF YOU CANNOT AFFORD AT LEAST THIRD PARTY PROPERTY DAMAGE INSURANCE, YOU CANNOT AFFORD YOUR CAR.

[jabba]

Originally Posted by CRUIZIN EB

your better off putting the money in the bank so if some car hits you you've got the money there + there is no fees

what a
FOOL

[LUXO_8]

$568 for full comp with RACV
car is NC Fairlane 5.0, under 25.

i might have to change to justcar soon, due to future mods

[klawsterfobik]

i knew there was a good reason Cruizin EB is on my ignore list.

[Sprint_ED]

well i cant afford full comp on mine, atm its 3200 a year, so im on 3rd party fire n theft and costs 400

[LUXO_8]

Originally Posted by Sprint_ED

well i cant afford full comp on mine, atm its 3200 a year, so im on 3rd party fire n theft and costs 400

but at least you have some kind of insurance dude

[347Stroker]

Originally Posted by klawsterfobik

i knew there was a good reason Cruizin EB is on my ignore list.

Might have to work out a way to "ignore" him on the roads too....that way you wont have to chase him for the $$$ when he Liberace's your rear end....lol

I made a comment last week about long necks and gooses...I am now positive cruisin eb!

[Psycho Chicken]

Originally Posted by Yaw

You might want to consider if your at fault in even a small accident that causes one of the many saftey devices on the numerous cars that have them to deploy, for example a mazda 3 side air bag deploys, the replacement for that is the front seat as it cannot simply be repacked. without any other damage to the vehicle and without labour, that part to replace is $7000.00 thanks for comming. The basic point I am making is there are very few accidents that cost under $5000.00 in repairs.
Another example you may wish to consider..hit the back of a mer or a bmw and those cars may deploy 4 air bags, even if the damage is not much fixing the air bags is. This is part of the reason insurance premiums keep going up because claims get more and more expensive with each extra saftey device and also why certain companies price themselves out of the market on cars they don't want to cover.

ITS BEEN SAID BEFORE AND I'LL SAY IT AGAIN, IF YOU CANNOT AFFORD AT LEAST THIRD PARTY PROPERTY DAMAGE INSURANCE, YOU CANNOT AFFORD YOUR CAR.

Pffft that's nothing. BMW X5. 7 air bags, $10,000 a pop.

[Sprint_ED]

yeah its ok the only problem is that if it gets swiped i only get 5000 back that the only thing im worried about

[XRQTOR]

Im 2o and pay $355o a year for my Ba xr8 MKII, rating 3. Gotta ring up tomorrow and list all the mods that are currently going on the car, it's only another $2oo max regardless of mods.

[Quadcams]

Originally Posted by CRUIZIN EB

your better off putting the money in the bank so if some car hits you you've got the money there + there is no fees

So when you hit a merc or beemer you will have the money to fix yeh right.That attitude will get you in alot of trouble one day mate not good thinking, am already thinking of the poor person that you might hit.

For the record my insurance is $1100p/a 70% no claim for life age 34yrs also have told my insurer all of my mods AAMI.

[Quadcams]

Originally Posted by klawsterfobik

i knew there was a good reason Cruizin EB is on my ignore list.

Might have to put him on my avoid on road list lol.

[Full Noise]

Geeez, a touchy subject for me here. When I was 19 (1988) my pride and joy was rear ended by an uninsured driver. I couldn’t afford to fix it and I could only afford third party property, fire and theft. So the end result was, I had to drive my immaculate HJ around for three years with the **** end smashed in.

CRUIZIN EB, my advice to you (you don’t have to take it) is , if you can’t afford at the very least, third party property - fire and theft, then you can’t afford to drive. Leave the car at home.

What would you do if you rear ended this?



Cheers, Danny

[XRQTOR]

Originally Posted by Full Noise

Geeez, a touchy subject for me here. When I was 19 (1988) my pride and joy was rear ended by an uninsured driver. I couldn’t afford to fix it and I could only afford third party property, fire and theft. So the end result was, I had to drive my immaculate HJ around for three years with the **** end smashed in.

CRUIZIN EB, my advice to you (you don’t have to take it) is , if you can’t afford at the very least, third party property - fire and theft, then you can’t afford to drive. Leave the car at home.

What would you do if you rear ended this?



Cheers, Danny

Probally nothing it's already been rear ended, cant make him pay for exisiting damage can you : .

[Yaw]

Originally Posted by XRQTOR

Probally nothing it's already been rear ended, cant make him pay for exisiting damage can you : .

:hihi:
Thats very funny, but in actual fact he can be made to contribute towards the repairs for the percentage of extra damage he may do, just the same way your insurance company may ask or expect a contribution towards any accident damage if it for instance had pre exisiting hail damage or other unrepaired damage, and yes it is quite easy to tell the difference between old and new damage.

[Stevo]

Originally Posted by XRQTOR

Probally nothing it's already been rear ended, cant make him pay for exisiting damage can you : .

ahahhahahahaha

[trick_xd]

Im with A.A.M.I. and rating 1 for life but i have only just got full comp untill now i only have Insurance through my work
Im 30 with no Accidents and the Missers is 21 with 1 Accident where she lost her license from wipeing out her VT 2 years ago
My 97 EL Factory L.p.g. and mods - lower , mags , extractors, hightflow cat ,2 1/2 exhaust , Full V.D.O. dash , custom badges , Stereo subs amps , engine mods , diff mod, and i told them i have tinted windows ( dont get them for another 3 weeks)
and im now going drop tank so i can run 2 gas tanks they said it was OK and with ALL this it is only $33.16 a month
my car has less then 90,000km they gave me $11,500 Agreement

[Sprint_ED]

thats what im doing im not paying 3k a year for a 15k car, so ive gone 4rd party and put mony in the bank which would cover my own damage or theft, hell if i had the car got 5 years i could buy another one :P

[XWGT]

XW GT - $50,000 - $300 per annum on a limited use (less than 5000 klm per annum) with Unique
Porsche Boxster S - Agreed $90,000 - $1600 per annum no driver under 35 with GIO

35 with a rating one no claims ever

[jarridtheruler]

im 18 with a BA futura. My insurance is $1100 a year. sucks big time