opinions needed

[GTcruiser33]

Here is my dilemma:
The probe is getting older, a lot of miles, I still enjoy driving it and how it looks but the paint is getting really bad. Im working an internship this summer that brings in some decent money. Now I have a couple options they go as follows:

1. Keep the probe, fix it up nice, buy a beater to drive in the winter
2. Buy a new tiburon - reason being warranty, cheap, decent looking
3. Buy a diff new car, somthing faster, WRX or the like

Obviously they all have there positives and negatives. Before I tell you what Im leaning towards Id like to hear what you all think. Thanks.

[gonen2]

I was in a simular sitaution with my Probe and now I miss the hell out of it. Keep the probe in its current condition and buy another car besides have a car note and insurance (at your age) for a faster car has got to be a B#!ch to pay evey month for the next couple of years.

[Oertdogg]

You get what you pay for, in my opinion. Pay $400 for a beater, get $400 worht of enjoyment. Pay $30K for a WRX STi, get $30K worth of enjoyment. Obviously, if you think about it, perhaps the way to go is the Tiburon, since its sorta the best of both worlds: cheaper but more enjoyable.

[GTcruiser33]

im leaning towards the tib at the moment. Other cars in its class (scion Tc, Sentra SE-R etc) are all around the same price but have only half the warranty. Keep in mind Ill be making the car payments, I think for the first couple years at least I wont have to pay the insurance on it....

[Lancimus]

you could be the first to buy one of hughes's evos :D!!!


how are those comin?

[cam]

You get what you pay for, in my opinion. Pay $400 for a beater, get $400 worht of enjoyment. Pay $30K for a WRX STi, get $30K worth of enjoyment. Obviously, if you think about it, perhaps the way to go is the Tiburon, since its sorta the best of both worlds: cheaper but more enjoyable.Iagree with oert on this one go with the Tiburon. An STI, is so heavy on insurance, especially if you;ve had 2 or more trafffic violations in the last 2 years. That was the car I was looking at buying before I ended up buying the Jetta a couple years back. Then I found out the insurance was gonna be over $400.00/month plus $475/month for a car payment:eek:

So my advixe is either keep the probe cuz you'll know you'll miss the hell utta it, and fix it up then go out and by a beater for da winter:thup:

[SlaveLabor]

KEEP THE PROBE! I will sell you my old 626 if you want it:D Nah, do what you want. I've heard of good and bad things about the tiburons, get the STi when you can afford it. I love the cars, but they would be expensive, like everyone else said. ( I can help you find a new bumper/fender for your probe, i saw some at a junk yard i was poking around in a few days ago, looked in good shape, and could probbably get them for about 50-100 a peice.) (I need a probe lover in ROCHESTER still!!!!):thup:
________
Love Lyrics Forum (http://www.love-help.org/love-lyrics/)

[jay]

id keep the probe, in time, you'll have money to repair things. I still would get a daily grinder to drive to work, school or whatever you do and use the probe as a project, fix it up.

[Kalai]

I find enjoyment driving vehicles that are paid for. Your probe may not be a tibby, but it is unique and imo one of the best looking cars ever. Have someone here hook you up with a decent paint shop and grin every time you remember the person in that new car driving next to you is out $3-4hundy every month while you enjoy the same point A to B benefits as they.

[defiler]

im leaning towards the tib at the moment. Other cars in its class (scion Tc, Sentra SE-R etc) are all around the same price but have only half the warranty. Keep in mind Ill be making the car payments, I think for the first couple years at least I wont have to pay the insurance on it....
True, but if you ever decide to have kids, or want to drive a group anywhere, the Tibby won't really work, now will it? Personally I was gonna buy one, but doors is a plus. One of the reasons why I'm looking at the SE-R.


Plus, since you're not over 40 with a perfect driving record, the EVO/STi route wouldnt be the best on your pocketbook.

[hughes46]

I would take the probe and $$ for my 03 evo ;)

[GTcruiser33]

I would take the probe and $$ for my 03 evo ;)

right how much cash are we talkin about, and what kind of extended hughes warranty am i getting here, lol

[defiler]

He'll give you the old fashioned 2 block warranty.:lol:

J/k... I hope....


How much are you lookin at selling that Evo for straight up?

[hughes46]

I really haven't thought about it as I answered this jokingly LOL. Our body shop has been busy enough that I really haven't put much time into the car yet other than get most of the parts and started tearing it apart. Usually what I do is offer a 90 day warranty on any of the more expensive cars I sell and if you need more, I can buy extended warranties (but that costs and gets figured into the price). Because I assumed you were only looking at performance cars, I didn't mention the 2006 Mazda 3i that I have with 5600 actual miles and a clean title with full factory warranty that I want $14500 for. That car is done, drives beautifully and would make a great car for somebody.

[cam]

I didn't mention the 2006 Mazda 3i that I have with 5600 actual miles and a clean title with full factory warranty that I want $14500 for. That car is done, drives beautifully and would make a great car for somebody. Is it a MtX?

[hughes46]

It is an atx, but you can use the manual override to shift if you want. Definitely not a race car, but very practicle and would really look sharp with some aftermarket wheels.

[GTcruiser33]

I think if i was gonna buy a newer car, Id go with one from a dealership then for the big warranty, unless that evo was in the right price range. Ive been thinking more about this, I just found out that 06 is the last year the tiburon is going to come with the 10/100K warranty so the idea of just waiting a while is blown. I figured I would be able to get what, 2 grand at best for my probe, so i might as well keep it and fix it up nice someday down the road. theres a 1000 rebate for the month of july for the tib too, so if i end up doing this ill let you all know.

[hughes46]

I know several people with Tiburons and nobody likes them after the first year or so. The resale sucks, the interiors are CHEAP, they are gutless, and you have to go to the twin cities for warranty work everytime something breaks. If my 06 3i with full factory warranty doesn't interest you, I'ld look at a tc or a honda.

[GTcruiser33]

I know several people with Tiburons and nobody likes them after the first year or so. The resale sucks, the interiors are CHEAP, they are gutless, and you have to go to the twin cities for warranty work everytime something breaks. If my 06 3i with full factory warranty doesn't interest you, I'ld look at a tc or a honda.

Have any pics of the 3i? What is the warranty on it, 5/60K? So even if i bought the tibby at a dealership here in Roch I wouldnt be able to have it fixed under warranty here? This 3i is looking better by the min if thats true. Also what options does it have? Im interested.
Edit: just checkin specs out on that car on the net, is it the basic i or i touring?

[defiler]

I figured I would be able to get what, 2 grand at best for my probe, so i might as well keep it and fix it up nice someday down the road
You could probably get 3k for it on PT.

they are gutless
The V6 have some great get up and go. The 4-bangers are gutless. But you're right on the money... they're cheap on the inside (Like chryslers) and suck forresale. Thats why yu can pick one up thats a few years old for real cheap

[Lancimus]

those mazda 3s are sharp cars...they always catch me eye...make my head turn real fast when they drive by...

[cam]

It is an atx, but you can use the manual override to shift if you want. Definitely not a race car, but very practicle and would really look sharp with some aftermarket wheels. how are they on gas mileage?

[GTcruiser33]

how are they on gas mileage?

researched that today, looks like 26/34 if its got the 2.0L in it

[defiler]

I've never liked the looks of the 3's.... looks too much like they just went and took a saw to where the trunk was supposed to be.... there needs to be something more on the backside...

[cam]

I've never liked the looks of the 3's.... looks too much like they just went and took a saw to where the trunk was supposed to be.... there needs to be something more on the backside...
How about a factory aluminum wing?:lol:

[defiler]

How about a real trunk?

[hughes46]

If you want some pics and more details, I'll get some for you this weekend. I'll be gone tomorrow, but I can do it on Sunday.

[cam]

If you want some pics and more details, I'll get some for you this weekend. I'll be gone tomorrow, but I can do it on Sunday.
yeah post some pics and i'll see if I can dip on down to the cities so I can check her out. ZOOM ZOOM ZOOM:D

[GTcruiser33]

update:
So today I went out and test drove some cars, not really dealing #s just trying to see if I like how they drove. Note: I attemped to find a manual in all of these, no one had one on their lot, only the wrx.

06 Tib GT auto -
pros: Looks, warranty
cons: high sticker price, engine was a dog felt like the probe couldve taken it, even using the auto stick.

06 TC auto -
pros: low sticker price, felt quick, quicker then the tib even, had some nice features not found in the others, moonroofs are nice
cons: warranty(3/36 only), interior felt on the ceap side

06 WRX manual -
pros: nice all around, rims, interior, very quick
cons: cost(25 grand after rebate), insurance cost huge

So to recap, the Tib was underwhelming, TC surprised me, WRX the best but not a real option. Im pretty set on wanting a manual at this point and a manual TC is coming in next week, so ill go take that for a spin and see how I like it. I still have to talk to insurance and my bank, as of now im leaning towards the TC. Also this was all done in Rochester, I might go to the cities sometime to check out some of these cars in manual versions, also some brands arent here like Acura and Mazda so I didnt get a chance to check out a 3. Ok thats my update.

[cam]

One of the guys I work with at Wally world has got a 03' sti and i drove it acouple years ago and holy shit that thing was nice and fast, especially seeing it had an upgraded forced Induction system which put out it well over 400 horses:D but yeah the insurance rates on a WRX is astronomical.

You should look into a RSX type S, those are pretty sweet too:)

[Lancimus]

does the tc have a turbo?

[GTcruiser33]

does the tc have a turbo?

it does not come with one, a supercharger is an option, bumps the numbers up quite a bit but costs a pretty penny.

[defiler]

RSX-S rates are thru the roof also.

The TC shouldnt have felt that quick, since you're used to the Probe. The #s are pretty comparable. As for being cheap on the interior, well... thats the whole concept behind Scions.

[GTcruiser33]

RSX-S rates are thru the roof also.

The TC shouldnt have felt that quick, since you're used to the Probe. The #s are pretty comparable. As for being cheap on the interior, well... thats the whole concept behind Scions.

it felt quick compared to the Tib, still think my probe would have taken it but Im not driving a stock probe either.

[defiler]

it felt quick compared to the Tib
That explains it. Those ATX tibs are dogs

[TyBrones87]

Ever considered a srt-4? Those are f-in fun and fast. You could probably scoop one for 15000

[cam]

Ever considered a srt-4? Those are f-in fun and fast. You could probably scoop one for 15000doesn't shrep (Justin) have a srt-4?

[GTcruiser33]

no I havent really looked at the SRT, mainly cause I want a foriegn car, and I dont really want used. I agree they are amazing for the price but just not what im lookin for.

[Lancimus]

doesn't shrep (Justin) have a srt-4?

yes...from what i have heard it is very fast too

[cam]

no I havent really looked at the SRT, mainly cause I want a foriegn car, and I dont really want used. I agree they are amazing for the price but just not what im lookin for.
Ok so I take it you want bran spanking new:lol: How about a Acura TL, those are pretty cool but it depends on how much
ya have to spend:) here's a TL f/s at a dealership.

http://www.carsoup.com/new/detail.asp?minYear=2006&maxYear=2006&minPrice=0&makeID=1&modelID=20060106&seriesID=2006010609&styleID=2006010609&mode=make&cont=1&spec=PriceReq

[GTcruiser33]

well theres no acura dealer here in Roch, Id have to head to the cities for that, not to mention arent acuras a bit spendy? also the link doesnt work cause car soup blows.

[defiler]

The TL is about 33k brand new. 270HP....


What are you looking for in this car, other than being foreign? Does it need to be 2door/4door, or what? Certain price range? RWD vs FWD vs AWD?

If it doesnt matter, check out the Infiniti G35/Nissan 350Z. They're about 30k brand new.... or the new VW Rabbit.... Mercury Milan/Ford Fusions are sub-20k cars too, and very nice....

[GTcruiser33]

im looking for essentially a new probe. AKA preferably 2 door, less the 20G's, stick shift, R/F/AWD doesnt matter, the newer the better as some factory warranties get cut in half if you are the 2nd owner(the tib goes from the 10/100 to 5/60 for the 2nd owner). I am going to keep the probe so it doesnt have to be a speed machine as I will probably not touch the engine. Save that stuff for the probe.

[defiler]

I would seriously check out the new VW Rabbit then. 2.5L also (Though a 5-cylinder), VW normally has great warranties, and they start at around 15k.


I'd go snatch one, but small hatches liek that arent my thing (Other than the Audi A3)

[cam]

I would seriously check out the new VW Rabbit then. 2.5L also (Though a 5-cylinder), VW normally has great warranties, and they start at around 15k.


I'd go snatch one, but small hatches liek that arent my thing (Other than the Audi A3)well for me being the former VW owner that I'am, Defiler's got a good idea on the Wabbit:idea:
check it out!
http://www.carsoup.com/new/detail.asp?minYear=2007&maxYear=2007&minPrice=0&makeID=40&modelID=20075127&seriesID=2007512701&styleID=2007512701&mode=make&cont=1&spec=PriceReq

[GTcruiser33]

ill head to the local vw dealer again to see if they have one on the lot, arent vw's expensive to fix?

[cam]

ill head to the local vw dealer again to see if they have one on the lot, arent vw's expensive to fix?not if you know someone who does mechanical/body work on imports and they can get ya a deal but yeah My jetta was a gold digger. I would almost recommend getting a Jetta but prolly a 05' or older, seeing insurance is insane especially if you get a 1.8T Wolfsburg edition, or the TDI model:thup:

[defiler]

arent vw's expensive to fix?
Uh, aren't any foreign cars hard to fix? (Like hyundai)

I dont necesserily like VW, but the rabbit seems like too good of a deal to pass up almost.....

[jay]

Insurance for once thing is high for foreign cars, especially if you're young and not married.

[GTcruiser33]

Uh, aren't any foreign cars hard to fix? (Like hyundai)

I dont necesserily like VW, but the rabbit seems like too good of a deal to pass up almost.....

I guess I was under the impression German cars(VW, Audi etc) were more expensive to fix then say a car from Japan(Honda, Toyota etc), is that incorrect?

And Jay you think insurance is gonna be more on say a toyota for me then if I got a ford?? I think its going to be expensive no matter what because im a guy under the age of 25.

[cam]

I guess I was under the impression German cars(VW, Audi etc) were more expensive to fix then say a car from Japan(Honda, Toyota etc), is that incorrect?

And Jay you think insurance is gonna be more on say a toyota for me then if I got a ford?? I think its going to be expensive no matter what because im a guy under the age of 25.From wat i've experianced insurance always seems to be higher when the car is in fact a foreign, and if it falls in the category of High performance/ sports car then the rates are crazy, so stay away from the 2 door coupes and anything that might be meet the high performance criteria. I'm my case the jetta was a sedan but it had a turbo which then it was considered HP. But mabey that was just becuase I had progressive and not something like saving 15% or more with Gieco:no:

[jay]

My ford probe was high for awhile. But after I got my Millenia (hence 4-door foreign) was 212.00 PER MONTH and my ford probe was 25.00 a month. Both full coverage. I asked why my probe was cheaper than the millenia. Said the Millenia parts are from japan and dont make millenias anymore so the freight would cost more. Probe are cheaper and is branded FORD even though you MIGHT have to get parts oversea.

Its not what kind of car it is, its more like what DECAL is slapped on your car.

My bravada is Oldsmobile and it cost me (old 436.00/6 months) 382.40/6 months. Just got my bill and I just saved 40.00+. Its not how old you are, school grades, and your driving record is a big thing they look at. After school and college, then they look at your age and driving records. Im over 25 which helps. But my probe before I was 25 was 75.00 a month.

Im with state farms.

[defiler]

State Farm doesnt like me.... they told my parents if they addd me to thier insurance they'd drop em (ANd my parents have been with em for 20 years):wtf:

[cam]

State Farm doesnt like me.... they told my parents if they addd me to thier insurance they'd drop em (ANd my parents have been with em for 20 years):wtf:I had something like that happen to me too, like the time when i got into my accident with sadie, after that happened I wanted to have my cavalier put on my parents insurance with AAA and they said that there rates for 6 months will double because I was involved in a auto accident and I was under 21 and not in school anymore:no:

Fuck You! triple A:Pissed:

[GTcruiser33]

so i talked to my insurance guy today, new 2 door car would run me about 200 a month for full coverage. So yeah suck me sideways on that deal. Dealership called and they got the manual TC in so im gonna take that for a spin tonight just for the hell of it. Looks like i might just end up getting a beater to drive in the winter for now.

Hey mitch did you sell your 626 already?

[defiler]

Tell me how the MTX feels. I'd like to know what you think of em...

[SlaveLabor]

Yeah, erich i just did two days ago. You should have let me know if you wanted it i would have gave you a nice price. Sorry man.

[GTcruiser33]

so i test drove the manual TC just now. gotta say i was decently impressed, I think it would hold its own against a stock probe GT. The car only had 10 miles on it so I obviously didnt push it too far, and my shifting wasnt the greatest as im used to the probes(STS,spec 3,fidanza). But the sticker was under 17g's, I think its a pretty solid car for that price, just dont know if i can finance that at the moment. Took the car up a big hill in 4th, held steady at 3000 rpms at 50mph, didnt feel like it was bogging down at all, took it on the HWY where the ride was pretty quiet and smooth, 65mph was at right around 3000 rpms too. I was impressed. There is my review.

[cam]

so i test drove the manual TC just now. gotta say i was decently impressed, I think it would hold its own against a stock probe GT. The car only had 10 miles on it so I obviously didnt push it too far, and my shifting wasnt the greatest as im used to the probes(STS,spec 3,fidanza). But the sticker was under 17g's, I think its a pretty solid car for that price, just dont know if i can finance that at the moment. Took the car up a big hill in 4th, held steady at 3000 rpms at 50mph, didnt feel like it was bogging down at all, took it on the HWY where the ride was pretty quiet and smooth, 65mph was at right around 3000 rpms too. I was impressed. There is my review.how did the 0-60 time feel? and what power options do you get with the tc?
sounds pretty bad ass though:thup:that sticker price is catchy:)

[GTcruiser33]

thats the thing, comes standard with power windows/locks/mirrors/keyless entry and two sunroofs. Its hard to beleive its that cheap. I didnt really get on it for a 0-60 but car mags have it at about 7.7 sec or so, 1/4 mile at mind 15s. If only insurance wasnt so much, but I havent made a final decision yet still have to talk it over with the rents, but its looking grim. Oh yeah the one i drove today was a flint mica color, looked really nice.

[cam]

thats the thing, comes standard with power windows/locks/mirrors/keyless entry and two sunroofs. Its hard to beleive its that cheap. I didnt really get on it for a 0-60 but car mags have it at about 7.7 sec or so, 1/4 mile at mind 15s. If only insurance wasnt so much, but I havent made a final decision yet still have to talk it over with the rents, but its looking grim. Oh yeah the one i drove today was a flint mica color, looked really nice.
sounds cool! but two sunroofs?:wtf: shit I might have to look at this one.

[GTcruiser33]

sounds cool! but two sunroofs?:wtf: shit I might have to look at this one.

oh yeah, its got a glass roof pretty much. The one above the front seats opens and slides all the way back, its huge. Then there is one above the rear seats, i dont think that one opens up, but they both have the slide covers if you dont want the sun comin through.

[defiler]

I think it would hold its own against a stock probe GT
From reading the PT board, I wouldnt have though so... everyone and thier brother says theyre slow... but you cant always beleive what you hear.


As for options, Scions basically come loaded with everything. Power everything, moon roof, and kickin sound system.

[GTcruiser33]

From reading the PT board, I wouldnt have though so... everyone and thier brother says theyre slow... but you cant always beleive what you hear.


As for options, Scions basically come loaded with everything. Power everything, moon roof, and kickin sound system.

yeah i read that crap on PT too, though the guy who owns a TC says differently, diff might be in the tranny, apparently there arent many manuals made, unfortunately at this rate the manual is going to be phased out by our lazy ass citizens.

[defiler]

I know. It pisses me off. It's so hard to find cars with an MTX. I was looking at the new Ford Fusions, and that turned me off. I like a V6, and the V6 only have ATX, while the 4bangers get the MTX. So no go for me.

People are just lazy, and dont have the attention span to drive a manual. Everyones always too busy doing other crap while they drive, instead of paying attention to the road.

[cam]

I know. It pisses me off. It's so hard to find cars with an MTX. I was looking at the new Ford Fusions, and that turned me off. I like a V6, and the V6 only have ATX, while the 4bangers get the MTX. So no go for me.

People are just lazy, and dont have the attention span to drive a manual. Everyones always too busy doing other crap while they drive, instead of paying attention to the road.i agree! I think that mtx should be on all cars makes and models cuz it makes you a better driver if you have to keep your eyes on the road and shift, thus helping you to acheive better hand and eye coordination:thup:

I wanna get a new Buick that is mtx but I doubt they'll ever come out with that one:rolleyes:

[defiler]

Buick? Have they even made a car with a MTX in the last 20 years?

[cam]

Buick? Have they even made a car with a MTX in the last 20 years?NO! but they should come out with a supercharged V6 coupe with a 6-speed:D

[defiler]

NO! but they should come out with a supercharged V6 coupe with a 6-speed
I think that's your wet dream. It'll never happen. IIRC, the only GM to have that (The 6-speed) in the past 20 years is the new GTO.


Also, do they even have an S/C carin the lineup anymore? I know the regal/riviera had em, but since they wee dropped, do the Lucerne/Lacrosse have that option?

[cam]

I think that's your wet dream. It'll never happen. IIRC, the only GM to have that (The 6-speed) in the past 20 years is the new GTO.


Also, do they even have an S/C carin the lineup anymore? I know the regal/riviera had em, but since they wee dropped, do the Lucerne/Lacrosse have that option? my regal gs has got a s/c but i still wanna see a coupe with a mtx:thup:
The Lucerne's are pretty good for luxury and just chillin and cruising.

[defiler]

Your regal doesn not exist in the current lineup tho. SO I can assume none exist anymore?

[TyBrones87]

I think that's your wet dream. It'll never happen. IIRC, the only GM to have that (The 6-speed) in the past 20 years is the new GTO.


Also, do they even have an S/C carin the lineup anymore? I know the regal/riviera had em, but since they wee dropped, do the Lucerne/Lacrosse have that option?

Camaro, and Corvette are some others

[defiler]

oh yeah, its got a glass roof pretty much. The one above the front seats opens and slides all the way back, its huge. Then there is one above the rear seats, i dont think that one opens up, but they both have the slide covers if you dont want the sun comin through.
The new Pontiac G6 has those too. Have you tried lookin at those? IIRC the new ones come with an MTX

Camaro, and Corvette are some others
Forgot about those. The CTSV has it too, I think

[SlaveLabor]

Erich clear your messages man:thup:

[GTcruiser33]

sorry about that, cleared now

[Tevwib]

Great information

[defiler]

So did you ever decide on anything?

[GTcruiser33]

yeah it was chosen for me once I figured insurance into the deal, full coverage would be just too much for at the moment. Unless something changes soon it looks like ill be rocking the probe till she gives up the ghost.

[defiler]

That sucks, but I know how you feel. I have my Sebring parked right now, because I cant afford the full coverage. It's quite a bit more expensive than my Probe's insurance (just liability).... so it's just gonna sit there untill someone buys it or I pay off the loan and can afford liability on it (Since the bank says just liability is a big no-no:no: )

[GTcruiser33]

Question: For the guys here, under 25, that have full coverage, what are you paying per month and what car is it on, also who is your auto insurance company? Thanks.

[jay]

welp, im 26. But I can tell you what my insurance was before I turned 25.

24: 75.00 per month, FULL coverage on the 93 ford probe GT. State Farms.
26: 25.00 per month, FULL coverage on the 93 ford probe GT. State Farms.

[defiler]

Mine's in the 300/month range for my Sebring. I'm 21. But i'm not under my parents insurance or anything, I'm on my own. Thru them, it would be closer to 150-200/month.

But I also have a string of points... 2 accidents, 2 speeding tickets, and a no insurace...

[SlaveLabor]

Age 17: Looked into full coverage on the probe $143 (Through moms insurance) I only have liability, so i pay 60-90 a month.(not a 100% sure on price). I have American family.:thup:
________
Threesome nurse (http://www.fucktube.com/categories/1078/nurse/videos/1)

[cam]

Mine's in the 300/month range for my Sebring. I'm 21. But i'm not under my parents insurance or anything, I'm on my own. Thru them, it would be closer to 150-200/month.

But I also have a string of points... 2 accidents, 2 speeding tickets, and a no insurace...
when i had my VW jetta, from july 04'- January 05' at 20 yrs old I paid
$380/month full coverage with Progressive.

1 accident:( 1 speeding ticket

[defiler]

when i had my VW jetta, from july 04'- January 05' at 20 yrs old I paid
$380/month full coverage with Progressive.
Thats not bad. When I FIRST got my Sebring @ 18, with NO tickets/accidents, thats the exact amount I was paying per month with american family...


so i pay 60-90 a month.(not a 100% sure on price).
How do you not know how much you pay for insurance? (unless your parents pay for it)

[SlaveLabor]

How do you not know how much you pay for insurance? (unless your parents pay for it)

Well...i turned in my grades to get the insurance lowered. It was at 90 a month, and i'm guessing that it went down to some where in between 90-60. The reason i dont know the exact amount is because me, and my mom just figured between the car payment, and the insurance i would just transfer about $180 a month to her. Plus, i've been to lazy to really check and findout how much i exactly pay a month. (and no my parent does not pay for my stuff). Is that ok with you defiler? :confused: :D
________
MOTORCYCLE TIRES (http://www.motorcycle-tech.com/tires/motorcycle-tires)

[defiler]

Yes. That is perfectly Ok.

[GTcruiser33]

So is there anyway to find out what violations that my insurance knows about. I guess I dont understand the process, when I get a ticket how do they find out? Does it matter what county?? My insurance under my paretns name has never gone up and I have gotten tickets before so am I to assume they dont know about them? Anyone know anything about this, Jay? Thanks.

[naustin]

I believe they will not find out until the policy renews and they pull your driving record. If you are under your parents, they may only be looking at your parents driving record and not yours - it depends on how your parents are insuring the car and whether they told the Ins. Co that you are driving the car. If you are not listed as a driver on their policy, then your record will not affect the cost of the policy. Of course, if you have an accident and the insurance co finds out that your parents were insuring a car for their kid, but did not list said kid as an offical driver on the policy, they could have a fight on their hands and ultimatly not be fully covered.

[jay]

So is there anyway to find out what violations that my insurance knows about. I guess I dont understand the process, when I get a ticket how do they find out? Does it matter what county?? My insurance under my paretns name has never gone up and I have gotten tickets before so am I to assume they dont know about them? Anyone know anything about this, Jay? Thanks.

I believe all most Insurance companies can obtain driving records from the DMV. But your rate stays the same til for example... your insurance could be at 121.00 a month starting in July, 2006. Then when July 2007 comes around, your insurance will re-look at your driving record again and decided to either keep it the same, lower it or go up. Most insurance companies look at a 6 month basis. Im a police officer, so i dont know much of how insurance work on that part. I just know of my own personal experience. Police really dont have control of what insurance know or sees except they can not see a police record without your consent. For ex: police reports on accidents. Usually they will call the Police Dept after getting an approval from you to obtain this. Then we fax it back. I do accident investigation back in the office so weekly i get phone calls from Insurance agencies asking for copies of the report. Funny that we dont charge for copies to insurance companies but we do get $5.00 at times before we tell them there is no charge.. :lol: what a profit.



I believe they will not find out until the policy renews and they pull your driving record. If you are under your parents, they may only be looking at your parents driving record and not yours - it depends on how your parents are insuring the car and whether they told the Ins. Co that you are driving the car. If you are not listed as a driver on their policy, then your record will not affect the cost of the policy. Of course, if you have an accident and the insurance co finds out that your parents were insuring a car for their kid, but did not list said kid as an offical driver on the policy, they could have a fight on their hands and ultimatly not be fully covered.


Yup exactly.

[GTcruiser33]

alright thanks for all the info guys, Im looking into going under my own plan with possibly a different company then my parents use, I did some online quotes and they were mostly all better then what my current agent was telling me, some by $100 a month.

[naustin]

I'm with Progressive and I have been very happy with them. Extreemly good service and very good rates.

[defiler]

So is there anyway to find out what violations that my insurance knows about. I guess I dont understand the process, when I get a ticket how do they find out? Does it matter what county??
They just run your driving record thru the DMV. Any ticket you get is reported to the same source, and they check it upon renewal of your policy. It doesnt matter what county... they get the info from the state database, which chronicles the violations from every county.