Being young sucks sometimes

"Bandit" (2bandit)
07/16/2014 at 18:45 • Filed to: None

Insurance on the Trans Am is $800/year. And that's classic insurance with a mileage limit of 4,000 and it only covers $15,000. It's cheaper than regular insurance, but still! It's not quite fair. I am a good driver but get penalized for others in my age group. Insurance companies suck. Edit: CLASSIC CAR INSURANCE! NOT NORMAL CAR INSURANCE! Know the difference!

DISCUSSION (52)

ddavidn > Bandit
07/16/2014 at 18:47

I still haven't had insurance that cheap. Ever. And I get almost the bare minimum coverage just to be legal.

Textured Soy Protein > Bandit
07/16/2014 at 18:47

Insurance is legalized racketeering.

Chuck 2(O=[][]=O)2 > Bandit
07/16/2014 at 18:47

That's pretty damn cheap. When I added the 2k2 to the family policy it shot up $1200 and it's insured for 13K.

ttyymmnn > Bandit
07/16/2014 at 18:54

It's not quite fair. I am a good driver but get penalized for others in my age group. Insurance companies suck.

Insurance companies are run by actuaries, and unfortunately, yours is a statistically stupid demographic, regardless of how safe you are. Insurance companies exist to make money, they aren't charity organizations. It's unfortunate, but it's a fact of life.

And then you get old, and you wish you were young again. And you find yourself complaining about youngsters.

camaroboy68ss > Bandit
07/16/2014 at 18:54

that's why my 68 is under my grandparents policy with all if his classics. Plus since I store the car at his house under the fine print since I don't live there the rates don't go up,but also since I don't live there when ever I drive it I'm covered because they view it as it just being borrowed for a short time. Not daily use or ease of access.

Arch Duke Maxyenko, Shit Talk Extraordinaire > Bandit
07/16/2014 at 18:55

Quit fucking complaining. My liability only insurance is more than that, if I wanted coverage on my $1,700 E36 it would have been $1,800/year.

ddavidn > Arch Duke Maxyenko, Shit Talk Extraordinaire
07/16/2014 at 18:57

Pretty much this. Except my E36 is worth like $2,000.

vdub_nut: scooter snob > Arch Duke Maxyenko, Shit Talk Extraordinaire
07/16/2014 at 19:01

The tone of your post made me think of this. I chuckled.

djmt1 > Bandit
07/16/2014 at 19:01

800 fucking dollars are you fucking kidding me you entitled little shit.

Nah I'm just kidding but seriously that is nothing.

1.4l punto, Ł1600 or $2741 a year.

Dwhite - Powered by Caffeine, Daft Punk, and Corgis > Bandit
07/16/2014 at 19:02

The Grand Prix costs $1200 a year to insure. So remember it could be worse.

153624 - Straight Six > Arch Duke Maxyenko, Shit Talk Extraordinaire
07/16/2014 at 19:20

I have to pay $2500 a year on my $2000 E36. Thanks Canada.

ranwhenparked > Bandit
07/16/2014 at 19:28

First thought: $800 is dirt cheap, I'm pushing 30 and pay $1200 a year

After reading more thoroughly: for a classic policy with a 4,000 mile a year cap, yeah, I guess that is kind of high.

Jordan and the Slowrunner, Boomer Intensifies > Bandit
07/16/2014 at 19:29

I had a friend in high school that was paying $1200 a year for his '77 Trans Am.

Bandit > Jordan and the Slowrunner, Boomer Intensifies
07/16/2014 at 19:31

I was paying $1600/year before I changed to classic insurance after my restoration.

Bandit > Arch Duke Maxyenko, Shit Talk Extraordinaire
07/16/2014 at 19:33

Before the switch to Hagerty, it was $1600/year. Liability only.

quarterlifecrisis > Bandit
07/16/2014 at 19:36

The TBSS by itself when I was 23 was something like $1680 a year. The C6, my pickup, and my renter's policy at the ripe old age of 27 are now something like $1300 or a little less. It gets better.

Bandit > Dwhite - Powered by Caffeine, Daft Punk, and Corgis
07/16/2014 at 19:40

Yeah but it is classic car insurance with a restrictive mileage limit. (which makes $800 expensive). When it was on regular insurance it was $1600 liability only.

Bandit > Jordan and the Slowrunner, Boomer Intensifies
07/16/2014 at 19:41

Yeah but it is classic car insurance with a restrictive mileage limit. (which makes $800 expensive). When it was on regular insurance it was $1600 liability only.

Bandit > djmt1
07/16/2014 at 19:41

Yeah but it is classic car insurance with a restrictive mileage limit. (which makes $800 expensive). When it was on regular insurance it was $1600 liability only.

Bandit > ddavidn
07/16/2014 at 19:41

Yeah but it is classic car insurance with a restrictive mileage limit. (which makes $800 expensive). When it was on regular insurance it was $1600 liability only.

Bandit > Chuck 2(O=[][]=O)2
07/16/2014 at 19:42

Yeah but it is classic car insurance with a restrictive mileage limit. (which makes $800 expensive). When it was on regular insurance it was $1600 liability only. My beater DD truck is still stupid high.

djmt1 > Bandit
07/16/2014 at 19:42

That seems tolerable for a Trams AM but for a Punto, nah mate.

Bandit > quarterlifecrisis
07/16/2014 at 19:46

Yeah, the car was $1600/year before the restoration and switch to classic car insurance. But still, $800 for restrictions and stuff is silly.

Chuck 2(O=[][]=O)2 > Bandit
07/16/2014 at 19:47

I have classic car insurance as well. I don't have a milage limit, but Maryland law dictates how often I can drive.

offroadkarter > Bandit
07/16/2014 at 19:48

You better be happy you don't live in NJ then, we have the highest insurance prices out of anywhere in the US.

quarterlifecrisis > Bandit
07/16/2014 at 19:49

I hear ya. The old man has regular insurance and plates on the Bee (if by chance you're ever up in the northeast corner of your state and see a blue Super Bee with 383 4bbl as the plate number, explain to the old guy with the mustache that you know me...somehow) because he knows his luck would run out and he'd end up getting popped the one time the car was being driven daily for a week or something.

Bandit > Chuck 2(O=[][]=O)2
07/16/2014 at 19:51

Oh shit, I'm dumb. I read that as s2k. Not 2k2. There's quite a difference between a Japanese hoonmobile and your BMW. My bad

Bandit > quarterlifecrisis
07/16/2014 at 19:53

popped? Are you going to kill him?

Bandit > ddavidn
07/16/2014 at 19:55

That was my situation on the TA before the restoration and is the situation on my beater truck.

JayZAyEighty thinks C4+3=C7 > Bandit
07/16/2014 at 19:59

Wow! I insured under my dad and pay him, $166/yr 6000 mi policy for a corvette through hagerty

duurtlang > 153624 - Straight Six
07/16/2014 at 19:59

I payed about €240 a year for my 325i Touring (e30). My Peugeot 406 coupe is €420 a year in insurance. Thanks, the Netherlands!

That said, yearly road tax on the Peugeot is €1150, for the E30 it was €700.

Bandit > JayZAyEighty thinks C4+3=C7
07/16/2014 at 20:00

Yep. Hagerty hates me, probably because I have has one minor fender bender.

duurtlang > djmt1
07/16/2014 at 20:04

UK prices are insane. I played as little as €200 a year in my very first year of car ownership. It was 2010, and the car was a VW Golf 1.3i. I was in my mid-late 20s though, but it still was the very first year I had a car on my name.

I did manage to get semi-classic insurance on that car though, despite the VW being merely 19 years old back then. Km restriction of 12.5k a year I believe.

JayZAyEighty thinks C4+3=C7 > Bandit
07/16/2014 at 20:07

Damn, that really puts a dent in your wallet. Insurance might be cheap, but I'll be taking a wheel and the air and fuel system apart for a tuneup :P Also, the furl filter is rusted on there beyond the help of WD40, so off to the shop it must go... Be glad your TA was not infused with primitive technology from Germany, despite insurance!

Bandit > JayZAyEighty thinks C4+3=C7
07/16/2014 at 20:10

I don't even know what a furl filter is.

djmt1 > duurtlang
07/16/2014 at 20:16

I'll be over 50 by the time insurance for me will get that low or I'll have to go live in a field with 24 hour security.

duurtlang > djmt1
07/16/2014 at 20:24

That's weird to me. Until two weeks ago I insured 2 cars. A Peugeot 406 coupe and a BMW E30 325i Touring. The Peugeot with a LPG conversion, which in insurance speak means high yearly kilometrage and thus higher costs. I payed less than €700 a year for those two cars combined, in my 4th year of car ownership. Classic car insurance on neither. Geographically London is about as close to me as is Newcastle.

quarterlifecrisis > Bandit
07/16/2014 at 20:27

Popped by the local constabulary. Pulled over, farther from home than he should be, not en route to a show, etc.

Fuckin smartass kids these days. lol

Bandit > quarterlifecrisis
07/16/2014 at 20:36

I still plan on DDing my Trans Am. I go off to college (4 miles away lol) and the car will be parked in our garage so the 4,000 mile limit won't bother me too much.

djmt1 > duurtlang
07/16/2014 at 21:03

I live in central Londonand have had a penis for 21 years so when it comes to insurance I am truly screwed.

Jordan and the Slowrunner, Boomer Intensifies > Bandit
07/16/2014 at 22:00

That's ridiculous. But I guess it has to do with your age. Luckily mine is cheap for being 19.

Trevor Mohr > Bandit
07/16/2014 at 22:14

I understand this too.. :(

JayZAyEighty thinks C4+3=C7 > Bandit
07/16/2014 at 23:21

I don't know either... maybe that's autocorrect's way of telling me to replace it!

ddavidn > Bandit
07/17/2014 at 00:52

I know the difference. I don't remember what my point was, but it was either that you should be thankful for the classic car insurance rate, or that I think mine should be that cheap by now...

catkam623 misses his 944 > Bandit
07/17/2014 at 02:02

What the actual fuck hagerty insured me for 280 a year with only a mild mileage limitation which doesn't matter in the least since my odo is broken anyway. But I registered my car for pleasure use.

P.S. I'm 16 so I feel the pain

bob and john > Bandit
07/17/2014 at 08:39

dude, you guy in the US have such cheap prices....

budy of mine has a classic mustang. 10kkm limit on it a year. 250$ A MONTH. and hes 40

Bandit > bob and john
07/17/2014 at 09:22

$250 would be awesome ... If it were per year. Crash history?

Bandit > catkam623 misses his 944
07/17/2014 at 09:24

How! Why am I so much more?! It's easy to unplug my speedo if I need to...

bob and john > Bandit
07/17/2014 at 10:35

nope. no crashs, no ticket for the past 25 years. and only 1 ticket before that. Inusrance in canada is just so expensive because 1/2 the freaking population here is asian and can not fucking drive to save their life. an, and because they are all rich, they also drive BMWs and AMG's and audis and stuff thats actualy quite expensive to repair.

catkam623 misses his 944 > Bandit
07/17/2014 at 10:40

unplugging your odo will get you by the mileage restrictions:) unplugging your speedo only gets you out of speeding tickets. If your car is registered as a daily driver that could be part of it, the fender bender you got into probably really doesn't help, and I live in California maybe it's cheaper here.

Bandit > catkam623 misses his 944
07/17/2014 at 13:05

I believe on my car the speedo runs the odometer... Doesn't matter though.

catkam623 misses his 944 > Bandit
07/17/2014 at 13:10

that honestly really sucks that it's 800 a year. You could disconnect both than you'd get out of both speeding tickets and mileage restrictions:)