Would you pay $418 to insurance your car for 2 weeks?

LadaWRXSTi · 12-14-2005, 12:11 PM

hey hope everyone is enjoying the holidays and possibly some snow

I am a college student and i am coming home for two weeks for the holidays. Since the college i go to does not allow freshmen to bring their cars, my STi is home where my dad drives it once in while to keep me from having to do everything neccessary to store it for a few months.
i am put into a dilemma however because my insurance company (GMAC) only gives rates per month. i am only home for two weeks, and i cant get the half price discount which really sucks because my insurance is $418 a month (NJ rate for male, 19 with NO tickets) this insurance is ridicolous and i was wondering if any of you had advice on what to do.

after all, this is my only time home this year with the STi so i want to drive it, especially with the Pirelli snow tires i put on it. also my brother said he would let my borrow his 96' accord when i need to get to work so i have access to another car. I am leaning to putting my STi back on insurance because i miss driving it so much. i was just seeking any opinions or advice on a what to do. thanks

klaymon · 12-14-2005, 12:13 PM

If you're going to drive it, be responsible and insure it. You would want others to do the same, right? Yes, your rate sucks, but it's the right thing to do.

sebtarta · 12-14-2005, 12:19 PM

Yeah I think its time to change insuarance, start looking. There has to be a much better rate than that.

PeterC0523 · 12-14-2005, 12:43 PM

Get some other quotes. I have progressive and I pay $996 per 6 months for 2 people and 2 cars (05 STi and 04 Explorer). The progressive quote is BY FAR the cheapest I've gotten, so shop around!

Take a look at esurance or safeauto.

styx · 12-14-2005, 12:45 PM

^^^^

I agree. That is way too much if you have a clean record (no tickets / accidents).

An alternative would be to have you as a secondary driver and primary your father, this should drop the rates.

Good luck

Dickie · 12-14-2005, 12:47 PM

I would let it sit in the driveway/garage for that price. It's not worth it for that short ammount of time NO WAY!! Just think, you will have 2 weeks fewer miles on it when you do start driving it.

xSTIx · 12-14-2005, 12:51 PM

4 accidents, 2 tickets, and my Insurance rate just dropped with an accident free discount... ACCIDENT FREE DISCOUNT!! I pay 94.00 a month.. (Wait 'til I renew and they catch that slip though)

***austinpike*** · 12-14-2005, 01:10 PM

Quote:

Originally Posted by styx

That is way too much if you have a clean record (no tickets / accidents)

No one pays more for insurance than a male teenage in NJ. I don't think rates from PA and TX are particularly applicable. That said definitely call around for other quotes.

Does your dad have any kind of insurance on it given that he is taking it out on occasion? If so I don't think it would be a big deal for you to use it, but you might let the insurance company know... If there is no insurance on the car, period, then no.... one mishap could seriously screw up your entire life.

FlyinbySTi · 12-14-2005, 01:28 PM

I would say don't bother, just save the $418 bucks for something else. That's almost a tune among other things.

LadaWRXSTi · 12-14-2005, 02:30 PM

thanks for the advice guys. i have been looking around. it is very difficult to find a company to insure a single, male, age 19 with an STi as his only car (THE BIGGEST REASON I PAY SO MUCH IS MY DRIVERS LICENSE IS NJ). next year i will be a resident of PA hopefully and change my license to save money. also, right now my STi does NOT have insurance on it b/c it is just sitting in our garage while i am at school. i am on my dad's car as an occassional driver, but my complaint to the insure company is why do i have to pay for a full month if i only want to insure my STi for 2 weeks???? i wish there was someway for me to get a discount b/c i havent driven the STi since august and i am going through withdrawl. i just dont have $418 to throw around. thanks again for the advice.

subbiesoul · 12-14-2005, 02:59 PM

progressive just started writing policies for NJ!!
-I pay $442 for 6 mon with FULL coverage with progressive

JKonquer · 12-14-2005, 03:28 PM

Quote:

Originally Posted by subbiesoul

progressive just started writing policies for NJ!!
-I pay $442 for 6 mon with FULL coverage with progressive

just a question, how old are you? if you are under 25, or even 40 that's impossible.
when my sti was in my moms name with her insurance(no ticket, noaccident) it was still 100$ a month. there is no way you can get that good of deal. and i did check with progressive and it was still 100$. and this was with 500 deductible.

im 20 right now and im paying 250 a month(no accident no ticket).

ONEQUIKSTI · 12-14-2005, 03:33 PM

I pay like $157 a month (allstate)...no tickets, no accidents, etc...age 33!

damianblalack · 12-14-2005, 03:36 PM

Start the insurance the day you get there and then cancel it the day you leave and they should reinburse you for the remaineder of the month. I know that I've gotten credits that way from insurance companies when I've switched. You have to pay it all up front but would get some of it back.

**Turninconcepts.com** · 12-14-2005, 03:37 PM

Age 31. Couple of tickets in the past 2 years. No accidents since I hit a deer in 97. $100 per month through geico.

12-14-2005, 12:11 PM	#1
LadaWRXSTi Amateur STI Driver Car: 05 Subaru WRX STi Location: PENN STATE UNIVERSITY Posts: 19 Join Date: Dec 2005 Trader Rating: (0)	Would you pay $418 to insurance your car for 2 weeks? hey hope everyone is enjoying the holidays and possibly some snow I am a college student and i am coming home for two weeks for the holidays. Since the college i go to does not allow freshmen to bring their cars, my STi is home where my dad drives it once in while to keep me from having to do everything neccessary to store it for a few months. i am put into a dilemma however because my insurance company (GMAC) only gives rates per month. i am only home for two weeks, and i cant get the half price discount which really sucks because my insurance is $418 a month (NJ rate for male, 19 with NO tickets) this insurance is ridicolous and i was wondering if any of you had advice on what to do. after all, this is my only time home this year with the STi so i want to drive it, especially with the Pirelli snow tires i put on it. also my brother said he would let my borrow his 96' accord when i need to get to work so i have access to another car. I am leaning to putting my STi back on insurance because i miss driving it so much. i was just seeking any opinions or advice on a what to do. thanks This ad is not endorsed by this member. Please register or login to hide this ad.

12-14-2005, 03:37 PM	#15
Turninconcepts.com Authorized Vendor Car: 04/08STI 95SVX 86E30 Posts: 5,071 Join Date: Jul 2003 Trader Rating: (53)	Age 31. Couple of tickets in the past 2 years. No accidents since I hit a deer in 97. $100 per month through geico. This ad is not endorsed by this member. Please register or login to hide this ad.

12-14-2005, 12:13 PM	#2
klaymon S204 Racer Posts: 3,083 Join Date: Jul 2004 Trader Rating: (1)	If you're going to drive it, be responsible and insure it. You would want others to do the same, right? Yes, your rate sucks, but it's the right thing to do.

12-14-2005, 12:19 PM	#3
sebtarta Spec C Club Car: Waiting for the STI Fav Mod: Driving My Car Location: I Don't Know Posts: 1,661 Join Date: Sep 2005 Trader Rating: (7)	Yeah I think its time to change insuarance, start looking. There has to be a much better rate than that.

12-14-2005, 12:43 PM	#4
PeterC0523 Professional STI Driver Car: 05 WRX STi Location: Horsham, PA Posts: 488 Join Date: May 2005 Trader Rating: (0)	Get some other quotes. I have progressive and I pay $996 per 6 months for 2 people and 2 cars (05 STi and 04 Explorer). The progressive quote is BY FAR the cheapest I've gotten, so shop around! Take a look at esurance or safeauto.

12-14-2005, 12:45 PM	#5
styx Junior STI Driver Car: Cars and Airplanes Location: Fort Worth, Tx Posts: 185 Join Date: Apr 2005 Trader Rating: (0)	^^^^ I agree. That is way too much if you have a clean record (no tickets / accidents). An alternative would be to have you as a secondary driver and primary your father, this should drop the rates. Good luck

12-14-2005, 12:47 PM	#6
Dickie Professional STI Driver Car: 04 Subaru WRX STi Fav Mod: Grille Guy Lower Grille Location: VA Posts: 477 Join Date: Aug 2005 Trader Rating: (1)	I would let it sit in the driveway/garage for that price. It's not worth it for that short ammount of time NO WAY!! Just think, you will have 2 weeks fewer miles on it when you do start driving it.

12-14-2005, 12:51 PM	#7
xSTIx STI Driver Car: 05 Blue STI Fav Mod: -10 degree C Ambient Air.. :) Still under warranty! Location: Illinois Posts: 228 Join Date: Aug 2004 Trader Rating: (0)	4 accidents, 2 tickets, and my Insurance rate just dropped with an accident free discount... ACCIDENT FREE DISCOUNT!! I pay 94.00 a month.. (Wait 'til I renew and they catch that slip though)

12-14-2005, 01:28 PM	#9
FlyinbySTi Silver Member Car: 05' STi Fav Mod: JDM Fogs Posts: 2,394 Join Date: Dec 2005 Trader Rating: (7)	I would say don't bother, just save the $418 bucks for something else. That's almost a tune among other things.

12-14-2005, 02:30 PM	#10
LadaWRXSTi Amateur STI Driver Car: 05 Subaru WRX STi Location: PENN STATE UNIVERSITY Posts: 19 Join Date: Dec 2005 Trader Rating: (0)	thanks for the advice guys. i have been looking around. it is very difficult to find a company to insure a single, male, age 19 with an STi as his only car (THE BIGGEST REASON I PAY SO MUCH IS MY DRIVERS LICENSE IS NJ). next year i will be a resident of PA hopefully and change my license to save money. also, right now my STi does NOT have insurance on it b/c it is just sitting in our garage while i am at school. i am on my dad's car as an occassional driver, but my complaint to the insure company is why do i have to pay for a full month if i only want to insure my STi for 2 weeks???? i wish there was someway for me to get a discount b/c i havent driven the STi since august and i am going through withdrawl. i just dont have $418 to throw around. thanks again for the advice.

12-14-2005, 02:59 PM	#11
subbiesoul Junior STI Driver Car: 05 CGM wrx STi Fav Mod: my ass Location: tallahassee, fl Posts: 57 Join Date: Oct 2005 Trader Rating: (0)	progressive just started writing policies for NJ!! -I pay $442 for 6 mon with FULL coverage with progressive

12-14-2005, 03:33 PM	#13
ONEQUIKSTI Professional STI Driver Car: 2005 Subaru WRX STI Fav Mod: Coming Soon Location: Tampa, Florida! Posts: 481 Join Date: Jun 2005 Trader Rating: (0)	I pay like $157 a month (allstate)...no tickets, no accidents, etc...age 33!

12-14-2005, 03:36 PM	#14
damianblalack Junior STI Driver Car: 07 STi Fav Mod: Recaro Young Sport Location: P'cola, FL Posts: 69 Join Date: Jul 2005 Trader Rating: (2)	Start the insurance the day you get there and then cancel it the day you leave and they should reinburse you for the remaineder of the month. I know that I've gotten credits that way from insurance companies when I've switched. You have to pay it all up front but would get some of it back.