Car insurance, how much and on what?

Discussion in 'Community Discussion' started by elf69, Feb 13, 2018.

  1. elf69 macrumors 68020


    Jun 2, 2016
    Cornwall UK
    Curiosity really as most you here seem be in USA.

    I have a 2001 hyundai coupe (Tiburon in USA), it has a few mods: 17" alloys, rear lights imported from USA and custom made head lights with halo rings inside. Also front and rear screen dash cams.

    In UK your should inform insurance of any mods.

    So I have declared all my mods and have full comprehensive insurance.
    It costs me £42 a month and I have 3 years NCB, I'm 34 (in ten days time)

    My fiancee has a 1998 hyundai coupe with no mods and pays £25 month fully comprehensive with 5 years NCB. She is 47
  2. heehee macrumors 68020


    Jul 31, 2006
    Same country as Santa Claus
    Largest city in Canada. My wife and I share a car and we pay $150/month, collision and comprehensive, with $2-million liability. That's consider very cheap here, I've heard 20 year olds pay +$600/month.
  3. Apple fanboy macrumors Nehalem

    Apple fanboy

    Feb 21, 2012
    Behind the Lens, UK
    2015 Golf TSI 1.4 petrol.
    About £320 a year.
    Fully comprehensive and about 8 years ncb.
  4. elf69 thread starter macrumors 68020


    Jun 2, 2016
    Cornwall UK
    A friend recently passed his test.
    Not sure about else where but here in uk if you pass your test then you have get a tiny 1000cc car to be able afford it.

    My friend was quoted £2000 for a 1100cc ford fiesta with third party fire and theft cover.
    plus UK fuel is quite expensive. Cheapest at present around me is 114.9 pence per litre.

    I could not afford to run a car until I was around 20/21 years old.

    I live is rural area.
  5. Apple fanboy macrumors Nehalem

    Apple fanboy

    Feb 21, 2012
    Behind the Lens, UK
    I bought mine when I was 16. Then I paid about £600 for the car, and about the same for insurance when I was 17.
  6. AustinIllini macrumors demi-goddess


    Oct 20, 2011
    Austin, TX
    Too damn much. But I love my car anyway.
  7. NeilHD macrumors regular

    Jul 24, 2014
    2017 (67) Audi A4 1.4T S-line

    About £450 with 14 years NCD. I'm 39.
  8. eyoungren macrumors Core


    Aug 31, 2011
    ten-zero-eleven-zero-zero by zero-two
    I pay about $167 a month. Two cars, two drives, see below.

    I am required by the lienholder of the newer vehicle to carry full coverage, so my ordinarily $60 or so bill is and will remain $100 higher.

    The older vehicle only requires state minimum and that is all I pay considering it's 20 years old.

    My insurance carrier is great because they covered a total loss of a vehicle due to water damage in 2016. That and GAP coverage paid off the car loan and we were able to get a second, one year newer model.

    Note, I have blanked out sensitive data. And for some reason the insurance carrier always wants to label the second car as an 'S' when it's actually an 'SR'.

    --- Post Merged, Feb 16, 2018 ---
    My parents bought a 1980 Datsun 210 hatchback in 1983. I was 12. When I turned 16, that car was 16 years old and they let me have it - although my dad's name was still on the title.

    In 1996 my parents bought the '97 Accord that I have listed above brand new. They gave me (with title) the 1985 Honda Accord that they had bought used in 1989. My dad sold the '80 210 to my wife (then my girlfriend) for $1.

    Since then, because of need at various points, my parents bought us a '97 Toyota Tacoma, later sold and a 1994 Nissan Sentra, later sold.

    Somewhere in there was a 1987 Nissan Sentra that never ran right after a mechanic messed it up. My dad had bought it for my sister to learn to drive on but she freaked out over stick when doing her driving test and the DMV person administering the test had to drive it back to the DMV. My sister did not pass that day.

    Sold that POS Sentra for $300.

    In 2008, I finally got the 1997 Accord that my parents had bought new. For the first time in 2015 my wife and I actually had decent enough credit to buy a new (used) 2012 Sentra. One year later and water damage totaled it so now we're driving a 2013 Sentra.

    The 2012 and 2013 are the only cars I've ever owned where I actually had to pay money for. I've been very lucky that my parents have always gifted me their old, but paid for vehicles.

    I suppose that might be their guilt since they've replaced all the cars my sister has consistently wrecked over the years because she's an agressive driver.
  9. GanChan macrumors 6502a

    Jun 21, 2005
    I'm carrying a good amount of personal injury and uninsured motorist protection, but no collision/comprehensive. My ancient car is worth so little on paper that even if it got stolen or totaled, I'd hardly get anything from the insurance company after I paid the deductible. Theoretically, at least, it makes more sense to put the money I would spend on those larger premiums toward savings for the next vehicle....if I can just be responsible enough to make that happen.... :rolleyes:
  10. JackieInCo Suspended

    Jul 18, 2013
    I have two cars, 2017 Honda Accord and a 1999 Honda Accord. Both cars cost me $95 per month. I have full coverage on the 2017 and liability on the 99.
  11. elf69 thread starter macrumors 68020


    Jun 2, 2016
    Cornwall UK
    several insurance companies here would not cover my hyundai due to it's low value.
    As my car is modified I tried some modified specialists they turned me down as car all but worth less.
    I bought its for £250 with 6 months mot on it.

    My current insurance company only insures me as the modifications have pushed up its worth just enough for their cover.

    My fiancee is a big accord fan and was very very sad see her 1991 accord go to crusher.
    It had a fault even honda garage could not diagnose, but they did charge us £80 still for the testing to be told "we don't know"

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10 February 13, 2018