Cascade Crew

83Z28BlackBetty · Posted: Tue Jun 12, 2007 8:40 am Post subject: insurance

So the car has tabs!!! Its almost road legal! All thats left is insurance. I'm still on my parents policy right now because i don't drive, but Pemco thinks a 21 year old male with a clean driving record and a good student discount driving a camaro is too high risk. So i need to get my own policy but am totally clueless as to who to go with. any recommendations? who do you all have and how much does it cost (if you don't mind)? thanks

~JAKE

BigDaddyVu · Posted: Tue Jun 12, 2007 10:01 am Post subject:

get broad form from viking insurance. i paid them 233.00 for the six months or 38.84 per month. that includes my 84 t/a, 87 iroc, 85 toy, and 87 toy.

Xophertony · Posted: Tue Jun 12, 2007 10:23 am Post subject:

what is broad form? i have heard of it before, (i may even have had it explained to me before) but i can't remember /don't know what it is.

BigDaddyVu · Posted: Tue Jun 12, 2007 11:16 am Post subject:

you pretty much insuring your DL with state min. required insurance. for people with one or more vehicles you can. use it for other vehicles not in your name (designated driver). you cannot use it for commercial or a vehicle that requires full coverage.

BigDaddyVu · Posted: Tue Jun 12, 2007 11:19 am Post subject:

I can give you my agent's number for a quote.

blue89 · Posted: Tue Jun 12, 2007 11:46 am Post subject:

I'm Viking as well. $70/mo with no speeding but one Neglegent(taking corners too fast is ticketable, so I found the hard way). It also gets cheaper if you pay 6 months in advance.

Demon · Posted: Tue Jun 12, 2007 12:00 pm Post subject:

i'm using travellers.. but then again, I'm paying for full coverage at the moment ... but they're good people so far, haven't had any problems like I did with Progressive or even AIG (both of which wanted to raise my rates $100 for switching to another zipcode 2 miles down the road from where I was living previously...

edit
hmm... mikey told me he had edited a post, it took me awhile to realize it was this one, i was looking at other threads Laughing

83Z28BlackBetty · Posted: Tue Jun 12, 2007 2:49 pm Post subject:

Thanks for the help. I got her all insured up an 100% road legal!!!!!!! watch out everyone Black Betty is ready to hit the highway!! went with geico, pretty good rate and really nice people Smile

~JAKE

RSFreak · Posted: Tue Jun 12, 2007 5:55 pm Post subject:

What rate did you get if you don't mind me asking?

83Z28BlackBetty · Posted: Tue Jun 12, 2007 6:00 pm Post subject:

sure, its $313 for 6 months of liability only. (clean driving record and good student discount)

Quasi-Traction · Posted: Tue Jun 12, 2007 8:16 pm Post subject:

That's real good.

6 months on the Berlinetta cost me like $581 with Unitrin.

I do have one *ahem* moving violation.... Embarassed

aaron_sK · Posted: Tue Jun 12, 2007 8:47 pm Post subject:

Just checked my Geico quote.... over one grand for six months, NO TICKETS. I'm under 21 so they're out to screw me big time.

BigDaddyVu · Posted: Wed Jun 13, 2007 5:26 am Post subject:

i got a golden ticket for doing twice the speed limit, 50 in a 35, 70 in a 60, and going 3 wide in my semi in the HOV lanes. And i still get a better rate.

91RSVert · Posted: Wed Jun 13, 2007 5:45 am Post subject:

173'ish for 6months in the camaro, thats everything but if I wreck it, it fixes it. Does have Liability, theft, vandalism, uninsured, tow, fire, medical.

286.37 for 6months in the GTP. Thats the works because they still think I'm paying on it. (huray for not, Regions bank can blow me, they suck)

As far as they know, I have always had a clean record Laughing

The few times they checked, I was clean. I have lucked out and spaced all 7 of my speeding tickets to go around them checking.

Xophertony · Posted: Wed Jun 13, 2007 7:26 am Post subject:

tickets suck. statistically, people who get more tickets cause more accidents, but i have NEVER caused an accident, so i feel that until i do my tickets should not affect my insurance. statistically people with bad credit also cause more accidents, but we passed a law in Oregon that says insurance companies can't use that anymore. (well, i voted for it, i can't remember if it passed) i think raising your rates for tickets sucks. they should only raise your rates if you actually go around plowing your car into people.

at this point in my life ( i am 23) i have spent more insuring my cars then i have paid for them, or put into them in parts. man insurance sucks.

aaron_sK · Posted: Wed Jun 13, 2007 7:53 am Post subject:

91RSVert · Posted: Wed Jun 13, 2007 8:46 am Post subject:

chevymad · Posted: Wed Jun 13, 2007 4:38 pm Post subject:

Your area makes a huge difference in price too. Back in 89 I was paying $120 a month for liability only on my chevelle. Then I moved to pullman, which is like a major metropolis compared to here, and my insurance dropped to exactly half that. I asked why and they said that the western side of the state is in a high risk area(considered same as seattle) and the entire eastern side, including spokane, is considered "farming" and thus low risk. Tried to keep my school address.. they wouldnt go for it.

redlava · Posted: Wed Jun 13, 2007 5:02 pm Post subject:

Good idea Brandon. I think I will try to use my school address in Pullman to get my insurance down some more.