anyone under 25 that has a 2K2 or 2K3?
07-08-2003, 08:26 PM
#1
Senior Member
Thread Starter
Join Date: Dec 2002
Location: Stevens Point, WI
Posts: 883
anyone under 25 that has a 2K2 or 2K3?
I've heard that insurance rates are the same from 16-25. I'm 18 and want to get a 2K2-2K3 in a couple years but I am afraid insurance will kill me.
I was just wondering how much insurance would be.
Please list any tickets or accidents that might affect the insurance premium.
I was just wondering how much insurance would be.
Please list any tickets or accidents that might affect the insurance premium.
07-08-2003, 08:40 PM
#2
im 20 and i have owned a 2k2 which was totalled and now i have a 2k3 and my insurance is pretty damn cheap but its under my parents policy so our entire families insurance with 5 cars total we pay about 550 every 3 months
07-08-2003, 08:49 PM
#4
insurance rates are definitely NOT the same from 16-25....as long as you remain living at home you should always be under your parents' policy, as they can get you the homeowner and multicar discounts applied to you too, etc...
...once you're on your own, the rates are not the same, i've watched mine go down each year, i'm only 23 -- my insurance company gives my age discount a year early, it's based on how old i'll be during that calendar year, so right now they've got me as age 24, starting 1/1/04 they'll have me as 25...can't wait
oh and, i don't have a 2k2 or 2k3, but a 2000 SE and pay $229 a month for full coverage, no accidents, 1 ticket, same company for 5 years, in an area known for its very high rates...
...once you're on your own, the rates are not the same, i've watched mine go down each year, i'm only 23 -- my insurance company gives my age discount a year early, it's based on how old i'll be during that calendar year, so right now they've got me as age 24, starting 1/1/04 they'll have me as 25...can't wait
oh and, i don't have a 2k2 or 2k3, but a 2000 SE and pay $229 a month for full coverage, no accidents, 1 ticket, same company for 5 years, in an area known for its very high rates...
07-08-2003, 08:56 PM
#6
Senior Member
Thread Starter
Join Date: Dec 2002
Location: Stevens Point, WI
Posts: 883
Originally posted by CCx
insurance rates are definitely NOT the same from 16-25....as long as you remain living at home you should always be under your parents' policy, as they can get you the homeowner and multicar discounts applied to you too, etc...
...once you're on your own, the rates are not the same, i've watched mine go down each year, i'm only 23 -- my insurance company gives my age discount a year early, it's based on how old i'll be during that calendar year, so right now they've got me as age 24, starting 1/1/04 they'll have me as 25...can't wait
oh and, i don't have a 2k2 or 2k3, but a 2000 SE and pay $229 a month for full coverage, no accidents, 1 ticket, same company for 5 years, in an area known for its very high rates...
insurance rates are definitely NOT the same from 16-25....as long as you remain living at home you should always be under your parents' policy, as they can get you the homeowner and multicar discounts applied to you too, etc...
...once you're on your own, the rates are not the same, i've watched mine go down each year, i'm only 23 -- my insurance company gives my age discount a year early, it's based on how old i'll be during that calendar year, so right now they've got me as age 24, starting 1/1/04 they'll have me as 25...can't wait
oh and, i don't have a 2k2 or 2k3, but a 2000 SE and pay $229 a month for full coverage, no accidents, 1 ticket, same company for 5 years, in an area known for its very high rates...
I'm moving out in a month so I not looking forward to my rates going even higher.
07-08-2003, 09:01 PM
#7
well before you move, if you havent found a spot already, make sure to call and get quotes from the insurance company on the new spots you're looking at...saves a whole lotta headache when the bill comes and it makes financial sense
07-08-2003, 09:19 PM
#12
Senior Member
Join Date: Sep 2002
Posts: 453
I have Allstate, under my parents in CT. Had an accident back when I was 18, my fault. No tickets. Now, I'm 24. Our insurance agent is great. I pay $1200 a year, $1000 deductible. I forget my exact coverage, but it is close to the maximum amount.
07-09-2003, 06:09 AM
#21
Originally posted by NT2SHBBY
25 years old.....insurance is about $3000 a year full coverage...this car is actually cheaper than my 93 Acura Legend was back in the day ($3950 a year)
25 years old.....insurance is about $3000 a year full coverage...this car is actually cheaper than my 93 Acura Legend was back in the day ($3950 a year)
07-09-2003, 06:38 AM
#23
Senior Member
Join Date: Jun 2002
Posts: 244
i'm 23 with a 2k2 in GA. Last year when I bought the car I had state farm and was paying ~$2000/yr for full coverage w/ $1000 deductible. I switched to Progressive last month and now its $1500 w/ $500 deductible. Hopefully this trend will keep going and i'll be paying $1000 next year (yea right)
no tickets, no accidents <knock on wood>
no tickets, no accidents <knock on wood>
07-09-2003, 07:03 AM
#24
Re: anyone under 25 that has a 2K2 or 2K3?
Originally posted by white95max
I've heard that insurance rates are the same from 16-25. I'm 18 and want to get a 2K2-2K3 in a couple years but I am afraid insurance will kill me.
I was just wondering how much insurance would be.
Please list any tickets or accidents that might affect the insurance premium.
I've heard that insurance rates are the same from 16-25. I'm 18 and want to get a 2K2-2K3 in a couple years but I am afraid insurance will kill me.
I was just wondering how much insurance would be.
Please list any tickets or accidents that might affect the insurance premium.
07-09-2003, 07:24 AM
#26
Senior Member
Join Date: Jan 2003
Location: Las Cruces, NM
Posts: 437
I'm 18 and have a 2k3 I am under my parents policy. We have our house and a bunch of other vehicles under the same policy and i get good student/driver discounts and i also participated in the states YES program when i got my license.. its a little booklet thing that you fill out and it gives you a discount... Clean records all around but i got a ticket going to court on the 18th to fry the cops *** so needless to say i will have a clean record still. oh and our insurance is not all that expensive considering we have primarily new cars and with mine it is the same rate calculations from 15 to 25. At 25 i will start gettting cut some slack.
WHEELMAN
WHEELMAN
07-09-2003, 10:13 AM
#31
22
2k3 max, full coverage
$350/month by myself in georgia with progressive...
can't complain tho.. speeding ticket, accident (partly at fault), underage DUI, driving on suspended license, speeding... and minor traffic violations that i got in conjunction with these tickets...
if ur record is bad... i think progressive is the best way to go...
2k3 max, full coverage
$350/month by myself in georgia with progressive...
can't complain tho.. speeding ticket, accident (partly at fault), underage DUI, driving on suspended license, speeding... and minor traffic violations that i got in conjunction with these tickets...
if ur record is bad... i think progressive is the best way to go...
07-09-2003, 10:41 AM
#32
24
2k2 full coverage $50 deductible
last time I paid monthly it was $185/month
2 cars and house :-)
dropped to 400/6 months when I moved it under my dads for me to go play reservist for a year.
been with state farm for 8 years now have one accident (improper driving)
and one reckless driving (speeding)
2k2 full coverage $50 deductible
last time I paid monthly it was $185/month
2 cars and house :-)
dropped to 400/6 months when I moved it under my dads for me to go play reservist for a year.
been with state farm for 8 years now have one accident (improper driving)
and one reckless driving (speeding)
07-09-2003, 11:56 AM
#33
I am 23, own a 2k3. I pay about $110/mo. I have basic coverage + Collision and Comprehensive at $1000 deductable. About 3+ years ago I was in a big accident which was my fault. Luckily it was more than 3 years ago so that accident fell off my policy. On my new policy I pay $110/month, on my old one I was paying close to $160/month. Right now, I have 2 minor "accidents" on my record... but they both were not at fault, non chargeable accidents. I do have 3 points on my license for speeding... The only discount that I get is 10% because I completed "accident prevention course"... I am with Progressive BTW.
Insurance quote depends on DMV Record, CLUE report and your credit history. Of course other factors like location, make and model of the car etc. are all factors.
Insurance quote depends on DMV Record, CLUE report and your credit history. Of course other factors like location, make and model of the car etc. are all factors.
07-09-2003, 07:36 PM
#38
Member
Join Date: May 2003
Posts: 85
Re: anyone under 25 that has a 2K2 or 2K3?
Originally posted by white95max
I've heard that insurance rates are the same from 16-25. I'm 18 and want to get a 2K2-2K3 in a couple years but I am afraid insurance will kill me.
I was just wondering how much insurance would be.
Please list any tickets or accidents that might affect the insurance premium.
I've heard that insurance rates are the same from 16-25. I'm 18 and want to get a 2K2-2K3 in a couple years but I am afraid insurance will kill me.
I was just wondering how much insurance would be.
Please list any tickets or accidents that might affect the insurance premium.
07-09-2003, 08:05 PM
#40
Well I"m on my moms Chevy Malibu which is $300 every 6 months and she's on my 02 maxima which for her is $809 every 6 months. She has a good record. Oh by the way I'm 19 and she's in her 50's and yes my mom drives a lot ****tier car than I do. What can I say. She loves me. haha