Author Topic: Insurance help please!  (Read 7534 times)

Offline napitcher

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Insurance help please!
« on: April 29, 2015, 07:50:39 pm »
hello everyone i am soon getting my license and i think i will be purchasing a 2007 Honda Civic Ex Coupe 5 speed standard. The insurance i will be getting on this is public liability,collision,and theft.  How much do you think my insurance would cost? If you need to know more about the car just ask!

Offline rrocket

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Re: Insurance help please!
« Reply #1 on: April 29, 2015, 07:52:17 pm »
hello everyone i am soon getting my license and i think i will be purchasing a 2007 Honda Civic Ex Coupe 5 speed standard. The insurance i will be getting on this is public liability,collision,and theft.  How much do you think my insurance would cost? If you need to know more about the car just ask!

Lots is my guess.  Because it`s a coupe.  And because you`re a new driver.
How fast is my 911?  Supras sh*t on on me all the time...in reverse..with blown turbos  :( ...

Online Fobroader

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Re: Insurance help please!
« Reply #2 on: April 29, 2015, 07:53:42 pm »
New driver, Civic coupe, yeah.....get prepped to be bent over my friend.

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Lighten up Francis.....

Online HeliDriver

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Re: Insurance help please!
« Reply #3 on: April 29, 2015, 08:28:34 pm »
I don't know how good/accurate it is, but typing in your particulars at www.kanetix.ca should at least give you an idea.

Offline napitcher

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Re: Insurance help please!
« Reply #4 on: April 30, 2015, 04:38:00 pm »
well what is a car that i could get less than 9000$ and have cheep-ish insurance?

Offline aquadorhj

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Re: Insurance help please!
« Reply #5 on: April 30, 2015, 04:48:56 pm »
well what is a car that i could get less than 9000$ and have cheep-ish insurance?

buick lesabre?

or is it lucerne now?

Driving thrills makes my wallet lighter.. and therefore makes me faster because i'm shedding weight... :D

Online Fobroader

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Re: Insurance help please!
« Reply #6 on: April 30, 2015, 04:53:53 pm »
well what is a car that i could get less than 9000$ and have cheep-ish insurance?

buick lesabre?

or is it lucerne now?

^^ What he said....something that old people drive. Camry, Corolla, american iron.....anything 2 doors insurance companies consider as sport even if its an Altima.

Offline blur911

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Re: Insurance help please!
« Reply #7 on: April 30, 2015, 05:29:36 pm »
well what is a car that i could get less than 9000$ and have cheep-ish insurance?

My father-in-law's Sebring, do I have a deal for you  :rofl2:


Kidding aside, where are you and how old are you?
Mr Pickypants

Offline rrocket

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Re: Insurance help please!
« Reply #8 on: April 30, 2015, 05:43:36 pm »
Get a Toyota Corolla or Echo/Yaris.

Offline sszoomzoom

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Re: Insurance help please!
« Reply #9 on: May 11, 2015, 04:05:14 pm »

Offline Vince Pronesti

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Re: Insurance help please!
« Reply #10 on: June 02, 2015, 04:37:18 pm »
hello everyone i am soon getting my license and i think i will be purchasing a 2007 Honda Civic Ex Coupe 5 speed standard. The insurance i will be getting on this is public liability,collision,and theft.  How much do you think my insurance would cost? If you need to know more about the car just ask!

Civics are very high to insure.  All depends on your postal address.  But if you're set on a Honda, try an Accord.  Don't be surprised to see rates between 4-7k annually

Offline Scarecrow

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Re: Insurance help please!
« Reply #11 on: June 02, 2015, 04:57:30 pm »
Just phone a local insurance broker and ask.  See what you're looking at before you commit to buying a specific car.  The last thing you need to do is buy a car you can't afford to operate.

hello everyone i am soon getting my license and i think i will be purchasing a 2007 Honda Civic Ex Coupe 5 speed standard. The insurance i will be getting on this is public liability,collision,and theft.  How much do you think my insurance would cost? If you need to know more about the car just ask!
"Anyone who drives faster than you is a Maniac,
and anyone who drives slower is an Idiot." - George Carlin

Offline Noto

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Re: Insurance help please!
« Reply #12 on: June 02, 2015, 05:13:45 pm »
Let's take a step back here and discuss what insurance is so that you can better understand the rates and what car to look for.

An insurance company will sell you a contract for a policy of insurance based on the 'risk' of certain perils occurring.  There are several factors involved, including (but not limited to, and in no particular order):
1. Driver's age
2. Where the car will be driven (i.e. where do you live?  will you be driving to work?)
3. How much the car will be driven annually
4. What type of car it is (sporty? More likely to be driven faster.  Old/weak?  The opposite)
5. What type of anti-theft technology does the car have (the more, the cheaper)
6. Will you have winter tires (some insurers are providing discounts)
7. Will your insurance be bundled with any other policies with the same company (home, auto, etc)
8. What coverage do you want?  Some (third party liability) are mandatory, some are optional (portions of the property damage coverage).  I'm biased but believe in more than the mandatory minimum.
9. Is the car new vs old (newer/more expensive cars will be more expensive to replace - so you have a higher premium for it).
10. Previous accidents/prior driving history - If you're 'just' getting your licence, you'll be viewed as a new driver and your rates will be higher, though you won't have any accidents presumably.

I'm not a broker so I can't give you an accurate 'estimate', but as others have stated, your chosen vehicle will not be the cheapest to insure - with that being said, it'll be a few hundred more per year over something else you don't want to drive.

With that being said, I always recommend NOT buying ANY car unless you absolutely need one.  You sound young and excited to get your licence, but you shouldn't get a car "just because".  $9,000 to a young'n is a lot of money - save it up or use it somewhere else.  Cars are money pits.  Do you have $3,000-4,000 more per year for insurance, gas, maintenance?

Offline Brig

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Re: Insurance help please!
« Reply #13 on: June 02, 2015, 07:21:07 pm »
With that being said, I always recommend NOT buying ANY car unless you absolutely need one. 

Especially if you can borrow mom's RX300 and dad's Corolla and tell everyone they are YOUR cars?   ;D

Offline Noto

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Re: Insurance help please!
« Reply #14 on: June 02, 2015, 09:12:29 pm »
With that being said, I always recommend NOT buying ANY car unless you absolutely need one. 

Especially if you can borrow mom's RX3400h and dad's Corolla and tell everyone they are YOUR cars?   ;D
Get it right, Brigitte!  :P