Annoying Car Insurance Time

Ralliart · 15-05-2007, 06:29 PM

Hey guys, I just got my car insurance for the year and to my amazement it was massive to my liking $1k[list]
, only got reduced by $235 , I straight away rang aami up , they told me that the car I’m driving, other Mitz Magna 3rd Gen drivers make allot of claims for them which means it affect perfect Mitz Magna drivers like me

Perfect I mean
• No Suspensions
• No Claims
• No Accidents

So I will have to increase the excess to get it down, I don't have that amount of money to pay my insurance. I went on other insurance sites and they were pretty much the same as aami, my info are as follows

Car: Mitz Magna TJ 2000 3.0 Series 1 Auto
Brought Car: Yes
Brought Car :$7000
Car Entertainment : $300
Finance : Woolies Credit Union
Mods: Windows Tint, Leather Steering Wheel, Front Grill, Spoiler and Headlights

Suspensions: 0
Claims : 0
Accients: 0

so yeah I’m really annoyed at this I’ve gone to rating 1 and wanting my car insurance to go down , and it pretty much stays the same as a year ago, what a joke, I turn 26 in few weeks, but that probably wouldn’t impact the car insurance, I’ve got a whole month to sort this out, I so hate car insurance as everybody else does

/// end rat ////

ps - ammi dosn't know abouit front end damage and i will be fixing when i get my tax money and please keep all my past history off aff out of this thread please

**Falcon Coupe** · 15-05-2007, 06:56 PM

I find the online insurance calculators differ from what an operator says on the phone, ring around a few, R.A.C.V would be a good place to start.

Ralliart · 15-05-2007, 06:59 PM

Quote:

Originally Posted by Falcon Coupe

I find the online insurance calculators differ from what an operator says on the phone, ring around a few, R.A.C.V would be a good start.

i just rang them , they're saying i go down to rating 3 and like wtf i'm rating 1, just got my rating 1 latter with aami and try to switch to someone else i go down to rating 3 that b.s

DaveGod · 15-05-2007, 07:00 PM

You didnt list your mad padels on your mods!

Yellow_Festiva · 15-05-2007, 07:02 PM

My GF just got a whole lot of online quotes for her corolla. They ranged from $360 with a very high excess to over 2 grand.

Would have did bout 10 quotes in 40 min.

Shop around and you will get a HEAPS better deal.

You Yangs · 15-05-2007, 07:05 PM

No accidents?? What about the Toll bar accident!

Ralliart · 15-05-2007, 07:15 PM

Quote:

Originally Posted by You Yangs

No accidents?? What about the Toll bar accident!

what did i ******* say: ps - ammi dosn't know abouit front end damage and i will be fixing when i get my tax money and please keep all my past history off aff out of this thread please

:

Ralliart · 15-05-2007, 07:16 PM

just found allianz had a really good deal they are the best so far.

DaveGod · 15-05-2007, 07:20 PM

Quote:

Originally Posted by Ralliart

what did i ******* say: ps - ammi dosn't know abouit front end damage and i will be fixing when i get my tax money and please keep all my past history off aff out of this thread please

:

Whats it matter? You dont want them to see this thread? If they did theyd see that your've left a cookie trail right back to your stupid padels and up your premiems again.

Ralliart · 15-05-2007, 07:24 PM

Quote:

Originally Posted by DaveGod

Whats it matter? You dont want them to see this thread? If they did theyd see that your've left a cookie trail right back to your stupid padels and up your premiems again.

i don't care if they saw this thread , would u guys drop it i know i was stupid puting them things on i had my front bumber dmagedon my car but that ******* 3 monthes ago, omgf get a life

GXL078 · 15-05-2007, 07:29 PM

Quote:

Originally Posted by Ralliart

i don't care if they saw this thread , would u guys drop it i know i was stupid puting them things on i had my front bumber dmagedon my car but that ******* 3 monthes ago, omgf get a life

get a spell checker. Those Magnas seem pretty popular with my Indian (Bangledeshi) neighbours and I don't think they have ever owned a car before so that is probably why they have a lot of claims on that model

**Falcon Coupe** · 15-05-2007, 09:11 PM

I believe he is going to pay for the repairs with tax refund.

Quote:

Originally Posted by Ralliart

ammi doesnt know about front end damage and i will be fixing when i get my tax money

LUXO_8 · 15-05-2007, 09:16 PM

Quote:

Originally Posted by Falcon Coupe

I believe he is going to pay for the repairs with tax refund.

my point was you MUST state that the car does have damage, regardless of when or how you're going to get it repaired

MITCHAY · 15-05-2007, 09:53 PM

Quote:

Originally Posted by MADNC_8

my point was you MUST state that the car does have damage, regardless of when or how you're going to get it repaired

Yep this is true. Every company ask does the car have unrepaired damage.

sikzk · 15-05-2007, 07:12 PM

i got a quote through budget direct and the insurance for me was only 983 insted of 1500-2300 through other companies

JAZSXY · 15-05-2007, 07:23 PM

best piece of advice i can give is to call up. i have seen massive differences in quotes over the net. i was slugged $2500 full comp on my liberty turbo (1992), with SFA mods. yet others i know with the same car and heaps of mods payed between $1300-$1700. and i was the same. no accidents etc. when you ring up and find a price you like make sure you get their name. then ask to have the quote sent to your house.

**Falcon Coupe** · 15-05-2007, 07:38 PM

Ralliart has a comical history on FF, but he was a good sport about it and deserves better than to have it dragged up on every thread.
Stay on topic please.

Pinkbits · 15-05-2007, 08:34 PM

Quote:

Originally Posted by Falcon Coupe

Ralliart has a comical history on FF, but he was a good sport about it and deserves better than to have it dragged up on every thread.
Stay on topic please.

Bet you did'nt type that post with a straight face

XRchic · 15-05-2007, 08:53 PM

Erik, I definitely recommend ringing around if you dont like what you see/hear the first time. And speak to them, online quotes do not mean much.

Often you will find that there are other factors that affect insurance premiums. Such as the suburb you live in (and there can be massive differences between one suburb and its neighbour), whether you car is locked up in a garage, sitting in an open carport, sitting in the driveway or the street overnight... it can also depend where you work and where it resides then...

I do not recall you saying exactly how much your premium was, but surely is was not that bad. And did you ask why you were given rating 3? Just for moving? Why not stay with the current one if it is reasonable?

Main thing though, ring around. Even ring back the same one a week later, and see if there is a difference! If you get a good quote, make sure you take the quote number and act on it before the quote expires too....

Oh and Erik, in all seriousness, you will get on a lot better on here if you at least make an effort to spell at a reasonable level... no one is expecting perfect... but you seem to anticipate that you are going to cop it, and you know what for, but you still keep giving them all the ammunition.... and it would be so easy to stop - just check your posts mate.

Good luck with your insurance though mate.

Jac

LUXO_8 · 15-05-2007, 08:59 PM

i hope you're not planning on getting the insurance then getting your damage repaired....... big no no and an assessor will see right through it

you sign a contract that your vehicle is in a perfect state of repair when you get your insurance........if your car is not, then thats fraudulant

Redrum · 15-05-2007, 09:05 PM

Quote:

Originally Posted by MADNC_8

i hope you're not planning on getting the insurance then getting your damage repaired....... big no no and an assessor will see right through it

you sign a contract that your vehicle is in a perfect state of repair when you get your insurance........if your car is not, then thats fraudulant

To insure a damaged car and then claim the damage under the new policy is criminal. Not sure of the exact charge, but the dishonesty is there.

Best to get car fixed and then take out a policy, maybe take out third party in short term, whilst waiting for tax money to come through.

mrgo40rd · 15-05-2007, 09:15 PM

hey ralliart its not a god idea to hold back info to insurance companys they tend to investigate if for any reason in the future you claim and they investigate you may be denied a claim for not disclosing information beware you have be warned even if you think its trival matter

Dazza XLT · 15-05-2007, 09:20 PM

I'm insured through CGU. They're the best value for me, as I get staff discounts.

Cheers

Falcon_Phill · 16-05-2007, 11:14 AM

Rego time is more annoying than insurance. At least with insurance you can pay monthly.

Ralliart · 16-05-2007, 11:28 AM

Quote:

Originally Posted by Falcon_Phill

Rego time is more annoying than insurance. At least with insurance you can pay monthly.

i'm not worried about my rego thats cheap compared to my insurance

Gabbs · 16-05-2007, 11:46 AM

My insurance was due last month.
I went in personally to the company and said to the lady look I've had no accidents and no claims I think I should get a discount. Keyed in a few things on the computer and said she could reduce it by 50 bucks. I thought great 50 bucks is 50 bucks and I did ring around before hand and they were still the cheapest anyway.
You guys get ripped in the eastern states on insurance paying 1000 bucks for a magna is ridiculous I pay less for my xr6.

Ralliart · 16-05-2007, 12:10 PM

Quote:

Originally Posted by gabbs19

My insurance was due last month.
I went in personally to the company and said to the lady look I've had no accidents and no claims I think I should get a discount. Keyed in a few things on the computer and said she could reduce it by 50 bucks. I thought great 50 bucks is 50 bucks and I did ring around before hand and they were still the cheapest anyway.
You guys get ripped in the eastern states on insurance paying 1000 bucks for a magna is ridiculous I pay less for my xr6.

tell me about man, i can't beleive i brought this car for 7g and 1k worth insurance, as i said earlier i rang a few place up last night , the best quote i got was $845 with allianz all the rest were above 1000, and that just a for 2000 magna,

Dave_au · 16-05-2007, 01:04 PM

Quote:

Originally Posted by Ralliart

tell me about man, i can't beleive i brought this car for 7g and 1k worth insurance, as i said earlier i rang a few place up last night , the best quote i got was $845 with allianz all the rest were above 1000, and that just a for 2000 magna,

Erik it's probably starting to get to the stage where you need to consider whether your really gaining any benefit from comprehensive insurance for that vehicle.

It's obviously going to come down to your personal preference - and you need to at least have 3rd party property insurance for the benefit of other road users, but if the car costs $7K and your paying $1k a year, consider the age and the km on the vehicle, and whether it would just be better to buy a whole new car if for whatever reason you do have a significant crash in it.

Falcon_Phill · 16-05-2007, 11:39 AM

My rego total is $820 with ctp and that. Insurance is $1000 for the year, so they both kind of stuff me around, more so the rego since it all has to be in one hit.

JC · 16-05-2007, 01:20 PM

What rating are you currently? I assume if you are just going to rating 1, that you are currently rating 2? How much impact do you think the rating has on premium from year to year? It's approx 10% drop only. So if your premium for your rating 2 year was $1200, then in the rating one year, it should be around $1080 ($1200 - 120). Insurance companies only give you a roughly 10% discount per year as your rating improves, but they add back on 20% for each claim, if you don't have no claim bonus protection.

So the quotes you are getting appear to be in the ballpark; it is your expectations that are outside that park and the ball is nowhere in sight.