"Insurance" aka "Being thrust into the Real World"

"Jake - Has Bad Luck So You Don't Have To" (murdersofa)
02/10/2015 at 09:22 • Filed to: None

I'm in the process of breaking out from under my dad's somewhat overcontrolling thumb, and the first part of this is replacing his car (the murdersofa) with a car that I have total control over. This involves getting insurance. I'm 19. ha ha. ha ha haaaaaa.

Shit's expensive, yo.

So far the cheapest I've been able to find is Progressive, which is around $750 a year and doesn't include insurance against Acts of God, somewhat common (hail, tornadoes, houses falling on witches, floods) in Kansas, and considering I'm already trying to fix hail damage on my car I'd really rather not have to do this bullshit again.

Fortunately my mother is sympathetic to my cause (though unable to help financially, which is fine by me) and directed me to an insurance agent that would get quotes from all major and some local insurance providers and give me the cheapest/best (not the same ting) options. Yay!

Also my boss has promised me more hours! Double yay!

Now I need to find tail lights and possibly injectors for a 98 Civic sedan. From what I can see a set of tail light lenses is about $70 at the cheapest on ebay. Ugh. And a set of injectors is $110. At these rates I might just get some fucking trailer lights and used injectors from a salvage yard.

DISCUSSION (31)

Coty > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:24

I'm 19 20 and had to get insurance on a 2014 Focus ST.

Ha.

Ha, haha.

CB > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:24

Well that blows. Although my sympathy runs out here, because insurance would be at least $3500 a year for me.

SidewaysOnDirt still misses Bowie > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:26

750 for a 19 year old doesn't sound terrible. That's about what I'm paying for minimal coverage on my MR2, and I'm 28.

Mr. FiSTer of Team FiST Fetish > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:26

LOL $750 a year ain't shit!

Seriously, I pay like $250 a month for the FiST.

Sn210 > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:31

$750 = NP!

when I was 19 I was paying $2k/yr for a ten-year old Saturn, and that's with no tickets or accidents.

Arch Duke Maxyenko, Shit Talk Extraordinaire > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:32

$62 a month doesn't warrant complaining.

G_Body_Man: Sponsored by the number 3 > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:32

$750 per year is nothing. I'm going to be paying $220 a MONTH for my Cutlass.

crowmolly > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:33

For that Civic?

Liability only IMO. C&C isn't worth it.

KusabiSensei - Captain of the Toronto Maple Leafs > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:34

Yes, insurance is obscenely expensive. I'm paying over $4000/year for insurance.

In my defense, it's on three automobiles, a motorcycle, and a house.

Biased Plies > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:36

I was happy when I got under $200/mo. I'm 5 years older than you and have a perfect driving record. Fuck you.

Rico > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:49

I pay $1300 every 6 months! $750 is a drop in the bucket, let's switch.

Rico > Mr. FiSTer of Team FiST Fetish
02/10/2015 at 09:50

Deadass! I pay $1300 every 6 month I would love to pay $750 a year.

UKGTR335 > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:51

Good luck. FWIW, get an online quote from Geico. I have used them for about 10 yrs now, have been unable to find anyone cheaper for what I want, and they have been great the 2 times I've had a claim. Just another option.

BKosher84 > crowmolly
02/10/2015 at 09:52

THIS! Unless you are prone to accidents or something, C&C isn't worth your time. In fact most insurance companies don't recommend C&C for cars that you own outright (Depending on the car you own..)

Twingo Tamer - About to descend into project car hell. > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:53

I pay $1'100 a year on my tiny box, $700 aint that bad...

Rico > Arch Duke Maxyenko, Shit Talk Extraordinaire
02/10/2015 at 09:54

Lol crazy cheap, that what I spend a month on bud

Hey, y'all, watch this! > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 09:55

$750 a year isn't that bad for minimum coverage at your age.

I've just hit $1,000 every six months and I have the sads, though that's for two vehicles, full coverage, and in an expensive state. If I didn't have USAA, I don't want to even think about what it would be.

Mr. FiSTer of Team FiST Fetish > Rico
02/10/2015 at 09:56

Deadass?

You understand high insurance rates, my friend. What do you drive?

Luke's Dad Sold His 2000TL To Get a Sienna > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 10:00

I'm on my parents' insurance plan and they tell me I'm at $1,000 a year.
Not being on the plan (while I'm in college since I don't have a car), we found the money to get my college laptop and another camera lens. O_O

Rico > Mr. FiSTer of Team FiST Fetish
02/10/2015 at 10:08

Deadass = NYC slang for dead serious/seriously.

I drive a 2014 C300., but I would kill to pay $62 a month like our dear friend here. That leaves much more money for activities.

Rico > UKGTR335
02/10/2015 at 10:11

+1 on Geico they've been great for me and gave me the cheapest quote. Progressive and All State were both about $1000 more per year.

Mr. FiSTer of Team FiST Fetish > Rico
02/10/2015 at 10:13

I sure would be nice to have an extra $190 of beer money. Luckily I'm young and my rates should go down in the next few years which will free up a little bit of cash for when I move back to the States.

I'm also in Germany where insurance just costs more so there is nothing I can do about that.

davedave1111 > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 10:16

A few things. First up, don't bother with a broker. There are websites for that. Before you use them, check for cashback deals - 15% or so back on your premium isn't to be sniffed at. Check whether fully-comp or third-party is cheaper: often it's actually fully-comp just because those drivers tend to be more careful of their property.

Do you already have the car? If so, you have less flexibility. Otherwise, a great way to get cheap insurance is to buy a modern classic car of some kind.

Rico > Mr. FiSTer of Team FiST Fetish
02/10/2015 at 10:17

Yeah I turn 25 this month so hopefully that'll bring my rates down for May when my next 6 month payment is due. I'm also taking an online defensive driving course this month to try to get my rates lowered a bit. This is with a clean driving record!

Jake - Has Bad Luck So You Don't Have To > Biased Plies
02/10/2015 at 10:34

Dear god. What are you insuring? I'm just doing minimal insurance on a 98 civic

Jake - Has Bad Luck So You Don't Have To > G_Body_Man: Sponsored by the number 3
02/10/2015 at 10:34

Dear god why? Lots of accidents on your record or something?

Jake - Has Bad Luck So You Don't Have To > Arch Duke Maxyenko, Shit Talk Extraordinaire
02/10/2015 at 10:36

Cool opinion, but on my income it's quite a bit.

Smallbear wants a modern Syclone, local Maple Leafs spammer > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 10:56

Be glad you aren't in Toronto. You'd be looking closer to 5000/yr.

whatisthatsound > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 13:17

The viper is $106 with USAA a month and I'm 23. Any chance you're dad was in the military? They might be a place to look.

G_Body_Man: Sponsored by the number 3 > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 19:05

Welcome to Canada. Where even law-abiding citizens get hosed.

Biased Plies > Jake - Has Bad Luck So You Don't Have To
02/10/2015 at 20:14

That was a first gen Mazda3 hatch. Nothing special, really. The problem is living in Ontario, Canada, our insurance costs are ridiculous. I know few people who are under $100/mo before they turn 25 (soon...).