Annoying Car Insurance Time

[Ralliart]

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

[Falcon_Phill]

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.

[Gabbs]

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]

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]

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.

[JC]

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.

[dan.76]

i jst cant comprehend 1g for insurance on the car. my territory only costs 350 or so, ralliart you must live in a warzone lol

[sgt_doofey]

I pay just over $100/month for 2 lots of comprehensive car insurance as well as contents insurance which covers us for $40,000 of contents. 1 car is the EL which is nearly 10 years old, the other is the Peugeot which is 8 months old.
Moving out of the metro area has helped!

[Ralliart]

Originally Posted by JC

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.

i have just gone to rating 1, i was rating 2 before that, last years insurance was massive as well $1300.

[Tribal]

Ralliart, you need to start telling the truth. Get over yourself, learn to spell and type, and stop feeding us this BS - FFS you can't even back out of a driveway without hitting something.

(go and annoy them on the magna forums - this is a ford forum)

[outback_ute]

Originally Posted by Ralliart

as you members have said, insurance companies will come rock hard on me if I lied to them,

So if you are ringing round for quotes with other companies and they ask "have you had any accidents?", what are you going to say? Note, they don't asked "have you had any accidents you made an insurance claim for?". They could use that as an excuse not to pay if you aren't straight with them.

[Ralliart]

Originally Posted by outback_ute

So if you are ringing round for quotes with other companies and they ask "have you had any accidents?", what are you going to say? Note, they don't asked "have you had any accidents you made an insurance claim for?". They could use that as an excuse not to pay if you aren't straight with them.

no No, if i paid for full com and they found out my end was damaged thats what i mean.

[XR06T]

how much damage was there from the toll thing?

i sure as hell dont tell my insurance co about dings in my bumper, as long as that is all the damage there is, you'll be right telling them you havent had an accident. was a police report filed etc?

[Ralliart]

Originally Posted by XR06T

how much damage was there from the toll thing?

i sure as hell dont tell my insurance co about dings in my bumper, as long as that is all the damage there is, you'll be right telling them you havent had an accident. was a police report filed etc?

a circular tint that looks looks like a toll bar tint - its not that much damaged sust little bumbar bar damged not 2 series + paint damage, it will fixed by this tesday coming up

[Laminge]

Listen

I have sat back and watched all this going on, and I have had enough of your poor spelling, take the time to get a spell checker or write your posts out in Microsoft Word and spell check them.

Google Tool Bar works with IE or FireFox, I use it with all my posts.

A little bit of effort goes a long way, and avoids me deleting posts in future.

[LUXO_8]

Originally Posted by Ralliart

a circular tint that looks looks like a toll bar tint - its not that much damaged sust little bumbar bar damged not 2 series + paint damage, it will fixed by this tesday coming up

you seriously couldn't spell that badly, without it being a put on... some of your posts you can spell fine.


you're doing this deliberatley to get a cheap laugh...... you have to be :

[FTE72]

Being under 25 and living in a bad area are the killers, I only pay $735 for my TE 50 at an agreed value with motorsport coverage and salvage rights!
Your situatiuon reminds me when I wanted to insure my $2000 turbo Sigma in 1994 and they quoted me $1500 a year! It doesnt pay to be young when it comes to insurance companies.

[Melz]

This should make you feel better, I did an online quote through Shannons for the same vehicle but with my details (ie postcode) $1245.22...... To think I have 3 cars fully insured for less than that!!!

[Ralliart]

Originally Posted by MADNC_8

you seriously couldn't spell that badly, without it being a put on... some of your posts you can spell fine.


you're doing this deliberatley to get a cheap laugh...... you have to be :

thats the best thing u have said all day, i don't know why, but every time i post on here i make all the spelling mistakes but on other sections I'm fine, anyway back to my insurance i know what i will be doing

1. fixing my front end ( DO NOT DAMAGE IT AGAIN)
2. reducing my insurance AMOUNT by getting a bigger excess, i have rang around a few insurance companies like Racv, just car and allianz, and i have one solution and that the best solution and thats stay with aami but down grade to price i want to keep my full com but I'm not plaining on spending $1k on it , i was thinking of going down to third party, but thats not an option for me,
3. so now i just wait for aami's let into the mail.
4. i was thinking of changing but if i changed my rating goes down to rating 3 , so then i pay more again, so i decided to stay whom I'm with.

ps using - firefox now for spelling reasons

[outback_ute]

Much better too, good on you

[Ralliart]

close thread fixed my insurance
made my excess higher to Flexi-premium with aami to $2500, which the total comes to $541, that was the best option for me 2 to do, now all i go do now is be really careful on the road not have any accidents at all