Click to go to Forum Home Click to go to maXbimmer Home

Go Back   maXbimmer Forums > General > General Discussion
User Name
Password


Welcome to Maxbimmer.com!

You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!

Reply
 
Thread Tools Rate Thread Display Modes
Old 12-19-2003, 02:37 AM   #1
Shamis
6th Gear Member
 
Join Date: Feb 2003
Location: Canada
Posts: 1,383
What Cars are Cheap on Auto Insurance???

I need a car, I have 2 Tickets (69 in a 40), and I am fighting a careless driving ticket as we speak. I have 1 claim for around 20-25K. I am also 18



I also need a car to work....

I have about 13K$ to spend on a car. What the Heck do I do? What cars are chepa on insurance, I NEED ANY CAR RIGHT NOW
Shamis is offline   Reply With Quote
Old 12-19-2003, 02:41 AM   #2
Jon@Bimmersport
MaXsponsor
 
Jon@Bimmersport's Avatar
 
Join Date: Apr 2002
Location: Mississauga
Posts: 13,779
neon
__________________

Authorized Ontario dealer for Active Autowerke|VF-Engineering|[/color]ESS TuningAFE|Bilstein Suspension|H&R Suspension|KW suspension|Brembo Brake Systems| Stoptech| - Call us for the best pricing please DO NOT PM in regards to pricing

Maintenance|Performance|Tuning & Forced Induction
Jon@Bimmersport is offline   Reply With Quote
Old 12-19-2003, 02:49 AM   #3
EMPOWERD
Senior Moderator/Event-Coordinator
 
EMPOWERD's Avatar
 
Join Date: Dec 2001
Location: Mrs. Sauga
Posts: 10,136
Shamis... it's not the car, it's your record. In your case the liability portion of the insurance will rape you (required)... not the collision value of the car (optional). You can drive an M5 without collision or a '85 Ford LTD and either will still cost you $6500.00 (or whatever) for the manditory liability.
__________________

My YouTube video
-- RANDY SPARRE --
EMPOWERD is offline   Reply With Quote
Old 12-19-2003, 02:51 AM   #4
325iSBimmer
///MMMM VIDA
 
325iSBimmer's Avatar
 
Join Date: Feb 2003
Location: Aurora/London
Posts: 1,399
Send a message via MSN to 325iSBimmer
i think the TTC is the cheapest on insurance....especially with that kinda record at the age of 18.....im surprised an insurance company will still cover you...
__________________
UNDER CONSTRUCTION
325iSBimmer is offline   Reply With Quote
Old 12-19-2003, 03:14 AM   #5
Shamis
6th Gear Member
 
Join Date: Feb 2003
Location: Canada
Posts: 1,383
but where i work i need a ride

i teach snowboarding for like 13$ an hour
Shamis is offline   Reply With Quote
Old 12-19-2003, 05:12 AM   #6
blkm3
3rd Gear Member
 
Join Date: Jun 2003
Location: TO
Posts: 516
if you get a 4 dr car it will be cheaper also get a car that is least wanted from thieves .also a car that is not worth much .
ex( escort, neon, cavalier, sunfire and focus) or an old car prior to 1990 . then u will be paying insurance for a few yrs then get your insurance back on track. if you take the TTC then when you decide in a few yrs you want a car they will consider you a new driver . so better get some insurance and no accidents.
blkm3 is offline   Reply With Quote
Old 12-19-2003, 06:16 AM   #7
windsor318is
Nitrous Junkie!
 
windsor318is's Avatar
 
Join Date: Sep 2002
Location: The Bond Facility
Posts: 4,455
buy a kia
__________________
windsor318is is offline   Reply With Quote
Old 12-19-2003, 08:09 AM   #8
Phantom
Automation geek
 
Phantom's Avatar
 
Join Date: Jan 2002
Location: Around
Posts: 619
Quote:
Originally posted by EMPOWERD
Shamis... it's not the car, it's your record. In your case the liability portion of the insurance will rape you (required)... not the collision value of the car (optional). You can drive an M5 without collision or a '85 Ford LTD and either will still cost you $6500.00 (or whatever) for the manditory liability.

Bingo.....!! There's your answer.
Wait a few years for all your troubles to blow over. In that time, save some money and grow wiser.
__________________
The Dark Side----Mystical, Unexplained, Frightening........

Last edited by Phantom; 12-19-2003 at 08:42 AM.
Phantom is offline   Reply With Quote
Old 12-19-2003, 10:35 AM   #9
BiBimBap
4th Gear Member
 
BiBimBap's Avatar
 
Join Date: Apr 2003
Location: T.O.
Posts: 701
Buy a big fat old minivan - and clean up that record...
BiBimBap is offline   Reply With Quote
Old 12-19-2003, 12:42 PM   #10
WhadUpp
BIG BIG WHEELS
 
WhadUpp's Avatar
 
Join Date: Nov 2002
Location: here and there
Posts: 4,417
You're gonna need to drive one full year of coverage without any infractions, collisions, or claims before you see any relief in insurance costs. I'm actually surprised are able to get coverage..is it Facility Insurance that's going to cover you?

If that's the case you are looking from anywhere of 6000 to 8000 to cover you for a year.
__________________
'Good judgement comes from experience. Unfortunately, the experience usually comes from bad judgement'. - from an Australian Aviation Magazine.
WhadUpp is online now   Reply With Quote
Old 12-19-2003, 01:08 PM   #11
WASABI
OG
 
Join Date: Mar 2002
Location: Mavis
Posts: 3,221
Quote:
Originally posted by EMPOWERD
Shamis... it's not the car, it's your record. In your case the liability portion of the insurance will rape you (required)...
Agreed, so with $13K, buy a $2k car and the rest to car insurance (I'd pre-pay too) until your record gets better.
WASABI is offline   Reply With Quote
Old 12-19-2003, 01:20 PM   #12
dtthiaga
6th Gear Member
 
Join Date: Mar 2002
Location: Ontario
Posts: 1,551
Iíve said this before, save your money, buy a cheap car like a Cavalier (which is also cheap to insure), and get 3rd party insurance. Jack up all your deductibles, and ride out the insurance costs.

If you want to do more research, go to http://<a href="http://www.statefarm...o/auto.htm</a> and start playing around with different cars on the quote (donít put any infractions for this quoteÖ this is just to compare different car rates).

Hyundai/Kia might be more to insure because of the cost of repairs if in an accident is more. The GMs are cheaper to fix because they are built like tanks.
dtthiaga is offline   Reply With Quote
Old 12-19-2003, 01:23 PM   #13
M3ti Compact
Fuel Efficient 318 Member
 
M3ti Compact's Avatar
 
Join Date: Mar 2002
Location: Toronto
Posts: 3,465
Quote:
Originally posted by BiBimBap
Buy a big fat old minivan - and clean up that record...

NOT true...they are big, stick out, and are VERY easy to radar as compared to small cars. (Both of my tickets were in mini-vans, I also failed my G test in another minivan- I have my G now, I got it in the BMW, but I think Minivans are cursed!)
__________________
M3ti Compact is offline   Reply With Quote
Old 12-19-2003, 03:53 PM   #14
AMG_POWER
500HP Member
 
Join Date: May 2002
Location: Toronto, Canada
Posts: 9,691
old mini?
__________________
AMG_POWER is offline   Reply With Quote
Old 12-19-2003, 04:10 PM   #15
app
5th Gear Member
 
Join Date: Jul 2003
Location: Southern Ontario
Posts: 1,005
I think by cleaning up the record, that involves slowing down.
__________________
Luke
92' 325i
app is offline   Reply With Quote
Reply

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump


All times are GMT -4. The time now is 04:33 AM.


Powered by vBulletin® Version 3.8.1
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.