*sigh... so confusing - NJFBOA - Home of New Jersey's Camaros and Firebirds

Trans Am Chick · 11-08-2004, 03:02 PM

i had the day off of school so i figured id try to get car insurance quotes. for starters i cant seem to get anything b/c im still under 17 but that doesnt make sense since u cant possibly get quotes and decide which is best ND get insurance from that company all in one day.... can u!? i dunno. im so confused on all the stuff they ask about 2... can sum1 help me?

*feels stupid, but knows i need to get this done sum time*

Lexi

ar0ck · 11-08-2004, 03:59 PM

Your better of calling the individual companies. Because most likely with your soon to be aquired provisional lisence, they will want to have your car listed under your parents car, because you are not a legal adult.

So, break open the phone book, and start calling and asking if you can get quotes.

Trans Am Chick · 11-08-2004, 04:11 PM

yea unfortunatelly with the parental situation at the moment. that wont be happening. not onli do i refuse to be put under their insurance... they refuse to even consider it. but thats a whole nother story. theyre not helping me at all... including not helping explain most of this ***** to me. *were not on speaking terms at all* so basically im on my own for everything.

*Help Lexi

j0n · 11-08-2004, 04:18 PM

in that case start saving 26 years ago to pay for the first couple years of insuranse on a t/a under your own insurance

V · 11-08-2004, 06:04 PM

try nelson-patterson Insurance in new milford. they are underwriters for many companies, they are very nice there and will sit down and talk to you and explain it all. My friends mother is my agent there. i've had them for 5 years, since i was 19 and got that 88 iroc convertible(my ins. was $960 for a year liability only, w/ 2 points) and only the past 2 years did she realize i knew her son, lol. For a female, just starting out, it should be around that range for basic liability. i dont have the number off hand, but your best bet is to go in person and not call, calling is impersonal and you dont get the agent full attention, JMO. i'll find the address and let you know.

skorpion317 · 11-08-2004, 06:54 PM

Quote:

Originally Posted by j0n

in that case start saving 26 years ago to pay for the first couple years of insuranse on a t/a under your own insurance

insurance companies are thieves. they should be a strictly regulated industry with set prices. the rates some companies charge are exorbitant.

Trans Am Chick · 11-08-2004, 07:37 PM

Quote:

Originally Posted by SmokingSS

try nelson-patterson Insurance in new milford. they are underwriters for many companies, they are very nice there and will sit down and talk to you and explain it all. My friends mother is my agent there. i've had them for 5 years, since i was 19 and got that 88 iroc convertible(my ins. was $960 for a year liability only, w/ 2 points) and only the past 2 years did she realize i knew her son, lol. For a female, just starting out, it should be around that range for basic liability. i dont have the number off hand, but your best bet is to go in person and not call, calling is impersonal and you dont get the agent full attention, JMO. i'll find the address and let you know.

thanx that wud b a lot of help... but would i be able to go on my own? without my parents being there? like i said. the parental situation isnt great.

Lexi

enRo · 11-08-2004, 07:45 PM

Just opened up my payment an hour ago. I have my own insurance. I got it when I was 18 sometime in Sept 2003 at First Trenton, and with just an 86' TA costs me 1900 and change a year (no points).

SpeakersGoBoom · 11-08-2004, 09:15 PM

$960?!?!?!

$1900?!?!?!

CALL THE COPS! I'M BEING RAPED! ($2550 a year, no pts)

Trans Am Chick · 11-08-2004, 09:18 PM

Quote:

Originally Posted by SpeakersGoBoom

$960?!?!?!

$1900?!?!?!

CALL THE COPS! I'M BEING RAPED! ($2550 a year, no pts)

heh lol wow hun. i suggest u try to do sumthing about that...

Lexi

ar0ck · 11-08-2004, 10:25 PM

Quote:

Originally Posted by SpeakersGoBoom

$960?!?!?!

$1900?!?!?!

CALL THE COPS! I'M BEING RAPED! ($2550 a year, no pts)

Get in line, lube up and assume the position.

skorpion317 · 11-08-2004, 10:49 PM

Quote:

Originally Posted by TransAm4Life

Quote:

Originally Posted by SpeakersGoBoom

$960?!?!?!

$1900?!?!?!

CALL THE COPS! I'M BEING RAPED! ($2550 a year, no pts)

Get in line, lube up and assume the position.

OWNED!

BlueFBird · 11-08-2004, 10:51 PM

call geico their the only good company in ****** NJ

skorpion317 · 11-08-2004, 10:53 PM

Quote:

Originally Posted by BlueFBird

call geico their the only good company in ****** NJ

ask alex how much geico quoted him for the Z28.

ar0ck · 11-08-2004, 10:58 PM

The car I almost had...

A 1998 Z28 LS1 A4, $9,000 - $14,000 a year for insruance, 18yrs old 2 points.

I got the 95 and I only pay 3,800 a year. Because I have full coverage, and the cars under my moms name, and Im the primary driver.

On the 85' I payed $2,500 a year with a "305".

Trans Am Chick · 11-08-2004, 11:07 PM

Quote:

Originally Posted by TransAm4Life

The car I almost had...

A 1998 Z28 LS1 A4, $9,000 - $14,000 a year for insruance, 18yrs old 2 points.

I got the 95 and I only pay 3,800 a year. Because I have full coverage, and the cars under my moms name, and Im the primary driver.

On the 85' I payed $2,500 a year with a "305".

o yea thats another thing... the 350 def. isnt stock nd was never an option for the 85 was it? lol so how do i explain that to the lovely insurance agent? lol

Lexi

84HOtransam · 11-08-2004, 11:12 PM

as of today i pay 1320 a year for insurence...just liability...

after dec 19th im not sure if i will ever have insurence again...

im going to court for my 4 tickets/9 points... yes BY FAR that was the most expensive burnout ive ever done...

Trans Am Chick · 11-08-2004, 11:52 PM

Quote:

Originally Posted by 84HOtransam

as of today i pay 1320 a year for insurence...just liability...

after dec 19th im not sure if i will ever have insurence again...

im going to court for my 4 tickets/9 points... yes BY FAR that was the most expensive burnout ive ever done...

^^^ LMAO

haha neway. how cud u not have insurence..? i thought u always had to have liability.. jersey sux like that.

Lexi

V · 11-09-2004, 01:08 AM

you should be able to get insurance under your own name, but i'm not positive, doesnt hurt to ask. I'm sure you arent the only person in that situation.

as far as the engine or any mods to the car, the insurnace company is to be left under the impression its stock, no need to explain a 350. My iroc had that 383 with a 5 speed, was insured as a 305 tbi auto, lol, i've had cars insured that i drove only 3 or 4 times and the insurance agent never even saw. Ive had up to 3 cars on my policy and i'm the only driver, the 2nd and 3rd cars were like 200 bucks each a year for basic coverage.

when i got my 01 ss in aug '01, my insurance was 4,500 a year full coverage, collision, fire, theft, etc. i almost dropped but what could i do, now 3 years have passed and i'm down to 2500 for full coverage. However, this coming december i will be paying off the SS and dropping coverage to basic liability (i dont believe in collision insurance, long story) and before my insurance renews, i will turn 25, so my SS will cost me like 400 or less for the year.

Trans Am Chick · 11-09-2004, 01:25 AM

well thats hot. i just dont understand why all this crap hasta be so confusign!! mayb its just me having another blonde at heart moment(s).

Lexi

Savage_Messiah · 11-09-2004, 01:37 AM

Quote:

Originally Posted by SmokingSS

try nelson-patterson Insurance in new milford. they are underwriters for many companies, they are very nice there and will sit down and talk to you and explain it all. My friends mother is my agent there. i've had them for 5 years, since i was 19 and got that 88 iroc convertible(my ins. was $960 for a year liability only, w/ 2 points) and only the past 2 years did she realize i knew her son, lol. For a female, just starting out, it should be around that range for basic liability. i dont have the number off hand, but your best bet is to go in person and not call, calling is impersonal and you dont get the agent full attention, JMO. i'll find the address and let you know.

How about 18 y/o, v6 camaro, 1 point?

Tru2Chevy · 11-09-2004, 09:43 AM

Quote:

Originally Posted by Trans Am Chick

o yea thats another thing... the 350 def. isnt stock nd was never an option for the 85 was it? lol so how do i explain that to the lovely insurance agent? lol

You don't.....as far as u know it's still sporting a 305

- Justin

SpeakersGoBoom · 11-09-2004, 10:04 AM

Quote:

Originally Posted by Savage_Messiah

Quote:

Originally Posted by SmokingSS

try nelson-patterson Insurance in new milford. they are underwriters for many companies, they are very nice there and will sit down and talk to you and explain it all. My friends mother is my agent there. i've had them for 5 years, since i was 19 and got that 88 iroc convertible(my ins. was $960 for a year liability only, w/ 2 points) and only the past 2 years did she realize i knew her son, lol. For a female, just starting out, it should be around that range for basic liability. i dont have the number off hand, but your best bet is to go in person and not call, calling is impersonal and you dont get the agent full attention, JMO. i'll find the address and let you know.

How about 18 y/o, v6 camaro, 1 point?

.

How about an 18y/o with a 305 and no pts?!

Fozzi58 · 11-09-2004, 10:26 AM

Insurance sucks...but it sucks really bad in NJ.

Here's the skinny. You are going to get hosed on insurance your first year - girl or not. Just get liability on the car, if they ask engine size, tell them stock, 305. Since your not getting any collision or comprehensive, you are taking a total loss on your car if something BAD happens. Since its an older car, it should be cheaper. Figure around 1500 a year, but you need to call. I don't think you need to go to all these insurance companies in person. Besides, these are mostly brokerage firms...you're actually not walking into the State Farm office or Geico's HQ. Get online and google insurance quotes in NJ. I previously used the Bogle Agency in Lyndhurst. They deal with 2 or three insurance companies. You can use someone in your area. You're probably going to get stuck with some reinsurance co anyway cause you're a "high risk". As for prices, don't feel bad. My TA was an ADDITIONAL $2000 per year...I am paying $2400 for 2 cars already, own a home AND have no points...and I still got lubed and bent over!!!!

enRo · 11-09-2004, 05:05 PM

Quote:

Originally Posted by BigDaddyKane

Just opened up my payment an hour ago. I have my own insurance. I got it when I was 18 sometime in Sept 2003 at First Trenton, and with just an 86' TA costs me 1900 and change a year (no points).

Forgot to add... thats just for liability... my cars too old for collision