Insurance?

jackaz · Post by **jackaz** » Wed Apr 16, 2008 5:57 pm

I guess this is a newbie question...

I'm buying my first car.
I'm able to get an FTO for relatively cheap with barely any Ks on it. It's a '96 GS manual.

Everywhere I've been quoted on insurance has been between $1000-$2000. And as I'm taking out a loan already, I don't really want to get third-party insurance because if the unthinkable happens I'll be without a car and still paying for it.

What do you guys recommend?

Cheers.

EDIT: Great. Just saw the insurance forum.

Post by **I8A4RE** » Wed Apr 16, 2008 7:09 pm

2000 for a GS, you do realise a GS is is only 1.8 L model, its not a V6. Make sure if you do buy this you tell the insurance company that its only a 4 cyl.

Post by **aza013** » Wed Apr 16, 2008 7:28 pm

if its a GS then get some pics up I want to see that good find

and WTTC

oodLes · Post by **oodLes** » Wed Apr 16, 2008 7:58 pm

Good find is debateable

Post by **aza013** » Wed Apr 16, 2008 8:01 pm

oodLes wrote:Good find is debateable

what I ment by that is you dont see a lot of them if any in aust.

mitcheo · Post by **mitcheo** » Thu Apr 17, 2008 2:58 pm

I am paying $1200 a yr for my GPX and im 21 (full comp)

Im pretty happy with that

oodLes · Post by **oodLes** » Thu Apr 17, 2008 3:26 pm

Damn, with who?

Post by **I8A4RE** » Thu Apr 17, 2008 3:43 pm

Im paying $800 full comp and thats with all my extras, paint rims etc etc......... But i am ova 25

mitcheo · Post by **mitcheo** » Thu Apr 17, 2008 3:52 pm

oodLes wrote:Damn, with who?

Just car insurance. thats saying there is no mods, and u have to pay the full amount straight up.

nicholas · Post by **nicholas** » Thu Apr 17, 2008 5:21 pm

mitcheo wrote:Just car insurance. thats saying there is no mods, and you have to pay the full amount straight up.

Even so, that's bloody good. I know of a couple of people around the age of 21 who had quotes for full comp from JustCar around the 5-6k mark...

Jackaz: one thing you'll learn about being young and owning an import is that you pretty much get to pay whatever the insurance company says you will.

My advice is to shop around, because $2k is a lot for a GS (if for no other reason, then because the market value of a 4cyl FTO can't be that much).

But, $1k for comprehensive insurance of an underage driver ain't so bad... hell, some of us are paying nearly that much just for 3rd party

oodLes · Post by **oodLes** » Thu Apr 17, 2008 6:16 pm

I'm with JC and paying 2k, thats going to go up as Ive just made a claim however. I'm 22.

harry90 · Post by **harry90** » Thu Apr 17, 2008 6:17 pm

mitcheo wrote:I am paying $1200 a yr for my GPX and im 21 (full comp)

Im pretty happy with that

impossible...i am with just car..paying 1600 a yr for gpx 1995 model...and the car is insured under my dads name who is over 50 and has 30+ years driving experience plus no insurance claim in the past 5-10 yrs...(i am not listed as a driver and still this expensive)...

unless you are doing one of those high premium low excess...or low premium high excess options...

Post by **I8A4RE** » Thu Apr 17, 2008 6:38 pm

harry90 wrote:
mitcheo wrote:I am paying $1200 a yr for my GPX and im 21 (full comp)

Im pretty happy with that
impossible...i am with just car..paying 1600 a yr for gpx 1995 model...and the car is insured under my dads name who is over 50 and has 30+ years driving experience plus no insurance claim in the past 5-10 yrs...(i am not listed as a driver and still this expensive)...

unless you are doing one of those high premium low excess...or low premium high excess options...

Dude you are getting ripped, im with them as well and they even know about drink driving

mitcheo · Post by **mitcheo** » Thu Apr 17, 2008 6:43 pm

Dude you are getting ripped, im with them as well and they even know about drink driving

and how much do you pay?

if u dont mind me asking

Post by **I8A4RE** » Thu Apr 17, 2008 7:05 pm

Did you not read my post above ^^^^^^^^^

mitcheo · Post by **mitcheo** » Thu Apr 17, 2008 7:10 pm

yeh i did?

Post by **I8A4RE** » Thu Apr 17, 2008 7:27 pm

Well about 5-7 post's up, i posted that im currently paying around $835, but im over 25 but have been done for drink driving

mitcheo · Post by **mitcheo** » Thu Apr 17, 2008 7:42 pm

yeah it makes a lot of difference when you turn 25

Im pretty lucky coz i have had a few speeding fines and lost my licence.

harry90 · Post by **harry90** » Thu Apr 17, 2008 7:47 pm

how can i confront just car insurance then ? is there anything i can do since others are getting cheaper premiums ?

Post by **aza013** » Thu Apr 17, 2008 7:53 pm

http://www.ftoaustralia.com/modules.php ... forum&f=28

all iformation you can find in that link