Celica Forums General Discussion General Insurance question...my g/f is paying too much?

My g/f just bought insurance for her 1988 Honda civic lx which cost her $499.12 every 6 months!!! This is freaking ridiculous especially when the car itself is not even worth $500. Shes only 18 years old so I guess thats why. What do you guys think???

That's not NEAR enough info.

What are her liability limits? What are her deductibles for comp & collision, if she has the coverages?

50-75% of the cost of insurance for those age 18-25 is the premium for liability coverage, which isn't effected by the car whatsoever.

mine is 4gs a year. it depends on her record and some ppl tell me her grades effect it too and so does color of car

Factors that matter:

years driving (not age)
gender
yearly mileage
number of household vehicles
driving record
car
coverage
grades
other household policies with company

dude thats 83 dollars a month. Thats not too expensive. but then again for a old car, that sucks balls

that's not full coverage, it's just liab coverage becuase it's an 88'. actually, for her age, that's not too bad...

insurance is a ripoff... let me give you guys some advice... NEVER let your insurance lapse... i thought i had mine paid for the year... but i still owed $74... didn't know it so i never paid it... so now progressive is charging me $4600 a year for my celica and my sebring... i had to take my celica off the insurance... it's winter anyway so it's okay for now... but still THAT SUCKS...

Is she on herparents plan or on her own plan? It's really not too bad given the price, but granted it's an 88, that's pretty lousy. Look into it, I'm no insurance expert, but price like that isn't too outta the blue.

Actually, for her age, its not so bad. You might be able to better, but I don't know if it would be worth all the effort to shop around.

She don't have any coverages because the car is paid off longggg ago...to long. anyway, she will be 19 in a couple of months and she have been driving for about 5 months I guess that's the right price, but I'll tell her to look around first..thanx guy!

thats more then my 02 gts with an 20k after maket policy...

So you're paying less than $80 a month for an 02 GTS?

yes...like 72 a month. It pays to be 25 a female and married

damn you.

Im only 19 and i pay $400 every six months...
My bro got my hooked up cause he work at the insurance copmany

Does color of the car really affect it? I never heard that before. What colors are worst?

Not with any of the major companies... and not with any of the smaller ones I know of.

If you get lowjack installed, it'll go down $80, this doesn't really help but $80 is $80

tell her to get the insurance w/ her dad or mom... and just add her car to the policy...

$80 bucks sounds good to me...

Over all insurance prices fucking suck ass and are waaaaaaaay over priced...

It also depends where you live. For me to insure my gts in LA is over 2gs a year but in SD its 1400

damn, I am 22 and I pay 250 every month

Same here...

I have good grades, so I get a little discount. I have a clean record. Its only that high for me b/c the other cars im insured on.

And I have never heard of an insurance company charging more b/c the color of your car.

It's $499 only because her dad name is on it too or else it'll be a lot more. suckass because it's only an 88 civic lx. farmers insurance

farmer insurane also try to rip me off when my car got broke into. My CD/mp3 players cost $500+tax and they try to gave me $200 for it and it's only 3 month old