Guest

well, i'm about to get my TL and have everything worked out, payments, everything with the guy at the dealership, and i go home to work on insurance. well, seeing as how i'm only 17 and have a whopping 1 POINT on my liscence! the company chose to jump my rate to $7000.00 a year. seven thousand. what the hell and i supposed to do to get that much and pay off the car. i'd rather get a pinto and drop twin turbo in it for that much. anyone got any ideas???
i need help bad!!!

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Rice1304

did you buy the TL yourself?

Guest

i haven't yet. i was getting it in a month, but doesn't look that way anymore. and yeah, i was going to pay for it myself. i guess i'll just drop a new trannie in the car i have now and get a TL later, unless there is any other way to get low insurance.

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AcuraTL

$7000 a year? Damn, I only pay $700 a year and I've got $500,000 policy too. I feel sorry for you dude.

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Honda-Acura.net TL Forum Moderator.

1999 Silver with factory body kit, spoiler and burlwood instrument cluster and shift knob. Joshua Tree Wood dash kit. Hella air horns. Tint all around. Razo competition pedals. MOMO Sport 18"X7.5" with 225/40ZR Pirelli P7000SS. Weapon-R intake. Comptech springs, exhaust and headers. Inspire Tailights, homemade ram-air and Polarg M-12 front turn signals. Comptech front and rear sway bar. Axxis Metal Master front and rear pads.

My AcuraTL Homepage

NEW: '01 Acura MDX Silver Premium

Acura-MDX.com Forum Moderator

Guest

i'm not looking for people to feel sorry for me, i'm looking for advice!!!!

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Nate

Duh, try and get insurance elsewhere. Try to get on your parent's plan. Drive without insurance (you didn't say good advice).

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Alumapro BP-10, ZX400TI Phoenix Gold, Python 1500 ESP (remote start, all windows up & down, sunroof closes, prox, etc), burlwood dash kit and shift knob, factory spoiler, factory body kit, Inspire tails.
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<A HREF="http://www.acura-tl.com/ubb/Forum6/HTML/000106.html" TARGET=_blank> Nate's ride!</A>

Guest

thnx nate, but i tried. since i got the one ticket on ly liscence, they've totally amal. and since i want a good car, i have to pay more. even if i was on their policy, it would be about 6k. either way, i am ****ed. any other ideas???

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QUIETSTORMMVN_IN

Tell them you are only going to drive 2 days a week and your only going to put 5000 mile on your car in a year. Good luck!

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2000 Fire Pepper Red/ebony TL, non-navi. factory spoiler, std chrome wheels, 35% tint, comptech exhaust, wood trim kit...
Quiets ride

TLwiz

Why is it so high? (Not being from your state, I am confused). My best friend's wife is the shittiest driver on Earth, and she only pays $3,000. Granted she is 25 years old, but she has had 5 speeding tickets, and she has been in 4 accidents (all her fault).
I guess I will second the advice for shopping for another insurance company. Also, what are your premiums set at? I am only paying $1,000 a year and that is with everything maxed out because I use the car for business.
So, what the f*ck? Ask them why it is so high. Tell them you are not the primary driver, whatever!! I know your young, but damn, that's ridiculous.

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'99TL Laguna Green
Burlwood shift knob and full woodgrain kit w/ custom glove box
Custom grill

Coming soon: 18's!!

Nate

Once you turn 24 your insurance goes down. Then you have nothing else to look forward to.

I'm 20 and I pay about $1200 a month. I have a driving with no insurance and a failure to yield. I'm on my parents plan and my insurance company is Grange.

What you have to do is try all sorts of insurance companys. Make sure your deductible is as high as possible.

Good luck.

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Alumapro BP-10, ZX400TI Phoenix Gold, Python 1500 ESP (remote start, all windows up & down, sunroof closes, prox, etc), burlwood dash kit and shift knob, factory spoiler, factory body kit, Inspire tails.
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<A HREF="http://www.acura-tl.com/ubb/Forum6/HTML/000106.html" TARGET=_blank> Nate's ride!</A>

BaLLxNxPaRLaY

Just keep the car you have now... Get your parents to get the car, but you pay for it. After that, just drive the damn thing whenever you want!!! Your paying for it... Just drive really carefully and don't wreck it.... Remember, don't include your name on the TL.

UW RL

dude, u don't look like you are 20 More like 25 or something. hahahha...



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Comptech springs
Polarg M-12 Side signals
Pikkachu on the back window

SoundSpeed

$1200 a month? Damn I hope that is a misprint and you mean $120 a month.

MikeS

That's bull. I have a friend with a Porsche 996 and pays substantially less than that. They just don't want you as a customer!

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2000 TL - Laguna Green, Navi, Rear Spoiler. Soon to have 18" wheels. Comptech Suspension & Comptech Axle back Exhaust.

bombs

Unfortunately your age works against you. Till you are 24 or 25, or happen to get married, you are cosidered a high risk category by insurers. And they have reams of data to back that up as an age group. Your one point further highlights you as a risk. The cheapest vehicle class for you to get insurance will be a domestic, two-door, full-size pickup truck. A brand new, luxury car. Sorry, you may as well forget it or pay through the nose. I remember when I was 25, married, no points, trying to get insurance for a Porsche 924: next to impossible. At least your researched it prior to buying it and finding out you couldn't afford it. One suggestion: try nationwide. I think they have a program that may fit your background, assuming you have a good academic record.

grishulia

This is the only thing that will allow you to have the TL!!!
I didn't have insurance untill I bought TL couple month ago, I'm 26 and was driving since 16 in my car, registered to my father and insured to my father... my name was never mentioned anywhere on the insurance... no problem! Even had couple accidents and still NO PROBLEM!!!

PhiTL

yeah, as long as you are insured in one policy in the household, usually you are insured under the household umbrella. Well, thats the case with my StateFarm insurance.

So, if you have an older car in your household you can just be the primary driver for that car and have your parents put the new car in their name. Also, by law the new car's owner must be the insured one, well thats what StateFarm said to me when I got my previous and current car.

Thats the best advice I have for you in this occasion, which I have done in the past.

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'00 White Diamond Perl w/Nav
Wings West Spoiler
Rear Comptech Sway bar

PhiTL

as far as I know...doing the above does not break any laws or anything.

let me know if I am wrong.

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'00 White Diamond Perl w/Nav
Wings West Spoiler
Rear Comptech Sway bar

2000 TL

Try and talk your parents into letting you onto their policy as a part-time driver of the TL. Offer to pay the difference, whatever it is. It will surely be less than $7000! Your other option is to find a different insurance company. Try GEICO, Progressive or some other dot com web sites. I have Allstate and they have been excellent and their rates are competitive. They have a web site, call centers and you get an agent assigned to you. Most important thing is to spend some time and shop around. Get some quotes and then compare the rates. Remember, the cheapest rate may not be the best insurance in the long run. Good luck.

MToker

Thats f**cking out of line. Tell them to go pack sand. Im 21 with full coverage with state farm (have a few tickets ) but I'm only paying 135 a month. Hell when I was 16 I was only paying a max of like 225 to drive a integra. And it should be better because its a luxury car. Check with other companies , ask them to explain in detail why its so much and hopefully you are able to move on from there.

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2000 Laguana Green / NAVI, 35% Mirror Tint all over,2 x JL12W6s, Pioneer Premier P920R, MB Quarts Coaxial, PPI 2600.2 and 4400.2 , Pioneer 620 6Disc
My Acura

PhiTL

LOL "tell them to go pack sand?"

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'00 White Diamond Perl w/Nav
Wings West Spoiler
Rear Comptech Sway bar

MToker

Its the more correct term of "take this stick it up your a** and go f**k yourself with it.



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2000 Laguana Green / NAVI, 35% Mirror Tint all over,2 x JL12W6s, Pioneer Premier P920R, MB Quarts Coaxial, PPI 2600.2 and 4400.2 , Pioneer 620 6Disc
My Acura

PhiTL

ahh!!! "hey! go pack sand!!!"

I like it! nice ring to it

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'00 White Diamond Perl w/Nav
Wings West Spoiler
Rear Comptech Sway bar

MToker

My good deed is done for the day.

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2000 Laguana Green / NAVI, 35% Mirror Tint all over,2 x JL12W6s, Pioneer Premier P920R, MB Quarts Coaxial, PPI 2600.2 and 4400.2 , Pioneer 620 6Disc
My Acura

Nate

Heh, oops! Yes, misprint, I pay $1200 for six months. $200 a month.

Our agent person is a very nice person. I talked to her and told her me situation -- I need insurance but I'm young with tickets. I said I needed a high deductible to keep the cost of the premium down. Also, I don't drive my car to work so I said I'd only drive about 8000-9000 miles a year. Not sure what else you can do but talk to them and try and figure out why they're trying to screw you over. :/

25 or something? Nah, I'm not even old enough to qualify for 401k where I work, how lame is that?!?

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Alumapro BP-10, ZX400TI Phoenix Gold, Python 1500 ESP (remote start, all windows up & down, sunroof closes, prox, etc), burlwood dash kit and shift knob, factory spoiler, factory body kit, Inspire tails.
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<A HREF="http://www.acura-tl.com/ubb/Forum6/HTML/000106.html" TARGET=_blank> Nate's ride!</A>

grishulia

LOL... thats interesting... at least they let you work for them...
Go find a better job... yours sound too restrictive...

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Just my 2 cents...

Guest

well, i did try Gieco, but i guess i will try again and see what they say if i say that i will put less miles on the car and sat drive it only 4 times a day. who know, i think i told them i would drive it 7 days a weeka nd put 25k on it a year. i drive a lot. maybe i will try again and say 10k a year. i'll try again. so i was told Nation wide and what other companies?

Guest

well, i did try Gieco, but i guess i will try again and see what they say if i say that i will put less miles on the car and say drive it only 4 times a day. who know, i think i told them i would drive it 7 days a weeka nd put 25k on it a year. i drive a lot. maybe i will try again and say 10k a year. i'll try again. so i was told Nation wide and what other companies?

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