# Insurance Question **URL:** \ **Category:** PittSpeed Off Topic\ **Created:** [February 24, 2009, 8:17pm UTC](https://forums.speedlife.net/t/insurance-question/201996 "2009-02-24T20:17:41Z")\ **Posts on this page:** 16\ **Page:** 1
**Author:** ![NeonVenom](https://avatars.discourse-cdn.com/v4/letter/n/e68b1a/32.png) [@NeonVenom](https://forums.speedlife.net/u/NeonVenom)\ **Post date:** [February 24, 2009, 8:17pm UTC](https://forums.speedlife.net/t/insurance-question/201996/1 "2009-02-24T20:17:41Z")
I have a buddy of mine that drives a honda accord 92, he pays like 130 bux for insurance a month, now note he is only 17, but still i told him it sounds like he is getting overcharged, Opinions Anyone? ---
**Author:** ![Shaggy](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/shaggy/32/5945_2.png) [@Shaggy](https://forums.speedlife.net/u/Shaggy)\ **Post date:** [February 24, 2009, 9:00pm UTC](https://forums.speedlife.net/t/insurance-question/201996/2 "2009-02-24T21:00:32Z")
Do you know how retarded you are to even suggest that??? I’m not far from you, Can i meet up with you right now, bury you in the landfill ! ---
**Author:** ![NeonVenom](https://avatars.discourse-cdn.com/v4/letter/n/e68b1a/32.png) [@NeonVenom](https://forums.speedlife.net/u/NeonVenom)\ **Post date:** [February 24, 2009, 9:09pm UTC](https://forums.speedlife.net/t/insurance-question/201996/3 "2009-02-24T21:09:05Z")
dude you seriously need to get a life, it was a simple F\*\*\*ing question, go play in shit…and drown ---
**Author:** ![Shaggy](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/shaggy/32/5945_2.png) [@Shaggy](https://forums.speedlife.net/u/Shaggy)\ **Post date:** [February 24, 2009, 9:11pm UTC](https://forums.speedlife.net/t/insurance-question/201996/4 "2009-02-24T21:11:51Z")
The only shit i play in is your bogus threads. ask people who might give a shit that they might play in next time. ---
**Author:** ![NeonVenom](https://avatars.discourse-cdn.com/v4/letter/n/e68b1a/32.png) [@NeonVenom](https://forums.speedlife.net/u/NeonVenom)\ **Post date:** [February 24, 2009, 9:13pm UTC](https://forums.speedlife.net/t/insurance-question/201996/5 "2009-02-24T21:13:17Z")
you seem to like them, every post i make no matter what its about, you have something to say, go bother someone else ---
**Author:** ![Shaggy](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/shaggy/32/5945_2.png) [@Shaggy](https://forums.speedlife.net/u/Shaggy)\ **Post date:** [February 24, 2009, 9:21pm UTC](https://forums.speedlife.net/t/insurance-question/201996/6 "2009-02-24T21:21:19Z")
I’m intoxicated. what more to explain?? you are the only dumbass responding to me… ---
**Author:** ![steelcitysix](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/steelcitysix/32/5992_2.png) [@steelcitysix](https://forums.speedlife.net/u/steelcitysix)\ **Post date:** [February 24, 2009, 9:40pm UTC](https://forums.speedlife.net/t/insurance-question/201996/7 "2009-02-24T21:40:35Z")
Assraping did happen in this thread…and then Shaggy took a nap ---
**Author:** ![Shaggy](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/shaggy/32/5945_2.png) [@Shaggy](https://forums.speedlife.net/u/Shaggy)\ **Post date:** [February 24, 2009, 9:44pm UTC](https://forums.speedlife.net/t/insurance-question/201996/8 "2009-02-24T21:44:35Z")
glow in the dark condom i hope ☹ ---
**Author:** ![imported\_steve](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/imported_steve/32/6050_2.png) [@imported\_steve](https://forums.speedlife.net/u/imported_steve)\ **Post date:** [February 25, 2009, 9:10pm UTC](https://forums.speedlife.net/t/insurance-question/201996/9 "2009-02-25T21:10:50Z")
Wow I would be happy as hell to pay 130. Dude is 17 they arent going to give him great rates. He is a high risk driver bc teenagers are inexperienced. 130 is about right, when I was that age I paid more, although I think that was about when I started having more than one car. When you shop around you will always find lower rates (these are called introductory rates), once they have you they raise them. Thing to pay close attention to is the amount of tort on his insurance. By the price I can tell that he has only liability. Insurance companies like safe auto are cheap because they have very limited tort. Their claim of state minimum coverage is exactly that. If you were to get into a bad accident with minimum tort and you are at fault you could be fucked. ---
**Author:** ![Zack01GC](https://avatars.discourse-cdn.com/v4/letter/z/a183cd/32.png) [@Zack01GC](https://forums.speedlife.net/u/Zack01GC)\ **Post date:** [February 25, 2009, 9:24pm UTC](https://forums.speedlife.net/t/insurance-question/201996/10 "2009-02-25T21:24:25Z")
I pay $130/month on my 1984 633CSi, and that’s with collision and liability, and I’ve had one accident/20 years old. It was $70/month for just liability. When I had my 2001 Jeep Grand Cherokee Limited V8, it was in my parent’s name and I was primary driver, paid $160/month for full coverage age 17-19. You be the judge. ---
**Author:** ![4doors5gears](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/4doors5gears/32/6006_2.png) [@4doors5gears](https://forums.speedlife.net/u/4doors5gears)\ **Post date:** [February 25, 2009, 10:11pm UTC](https://forums.speedlife.net/t/insurance-question/201996/11 "2009-02-25T22:11:35Z")
> [@Barf Bags Dont Work at 0 Gs](https://forums.speedlife.net/t/barf-bags-dont-work-at-0-gs/39712/3): > > glow in the dark condom i hope ☹ Nah, gotta be high and dry! To the OP, there is no way we can really give an opinion on what the insurance should be because there are too many factors to decide it… That having been said, I don’t think $130/mo. is really that bad for a 17 year old. ---
**Author:** ![T34418L31](https://avatars.discourse-cdn.com/v4/letter/t/e56c9b/32.png) [@T34418L31](https://forums.speedlife.net/u/T34418L31)\ **Post date:** [February 25, 2009, 10:27pm UTC](https://forums.speedlife.net/t/insurance-question/201996/12 "2009-02-25T22:27:48Z")
At 17 (5 years ago, holy shit) I drove a '96 TSi AWD. Comprehensive insurance (everything but collision,) around $95 a month. No accidents/tickets. Nationwide is on my side. ---
**Author:** ![Jeff95TA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jeff95ta/32/5935_2.png) [@Jeff95TA](https://forums.speedlife.net/u/Jeff95TA)\ **Post date:** [February 26, 2009, 2:44am UTC](https://forums.speedlife.net/t/insurance-question/201996/13 "2009-02-26T02:44:35Z")
> [@Holy sh!t: Spotted a dodge concept vehicle in cheektowaga. PICS](https://forums.speedlife.net/t/holy-sh-t-spotted-a-dodge-concept-vehicle-in-cheektowaga-pics/39719/5): > > Insurance companies like safe auto are cheap because they have very limited tort. Their claim of state minimum coverage is exactly that. If you were to get into a bad accident with minimum tort and you are at fault you could be fucked. My understanding is that limited tort limits your ability to sue for pain and suffering. If you were in an at-fault accident, how would you be screwed by having limited tort? ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [February 26, 2009, 10:09am UTC](https://forums.speedlife.net/t/insurance-question/201996/14 "2009-02-26T10:09:27Z")
> [@post your crazy car shreding pics and videos!](https://forums.speedlife.net/t/post-your-crazy-car-shreding-pics-and-videos/39708/13): > > My understanding is that limited tort limits your ability to sue for pain and suffering. If you were in an at-fault accident, how would you be screwed by having limited tort? you wouldn’t ---
**Author:** ![PoisonousBeef](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/poisonousbeef/32/6007_2.png) [@PoisonousBeef](https://forums.speedlife.net/u/PoisonousBeef)\ **Post date:** [February 26, 2009, 12:10pm UTC](https://forums.speedlife.net/t/insurance-question/201996/15 "2009-02-26T12:10:20Z")
He is high risk at 17, and the car he’s driving makes a big difference. Unfortunately Civics and Accords are not always that great on rates because they are the cause of a lot of claims, especially theft, and they are popular with young drivers which means that bottom line, there are more claims for accidents. To put this in perspective, when I was 21 I had a 99 Civic EX and my rate was $100/mo. The rate on exactly the same coverage for a brand new SE-R Spec V was $85/mo. Also, they said if my car was a DX my rate would have been almost half. The point is there are a lot of factors that you can’t account for in an “off the cuff” rate analysis. Also, why are you even asking this question? If he thinks he’s getting screwed, make some phone calls or look online, it’s not that hard to shop around for insurance. ---
**Author:** ![tom\_vito](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tom_vito/32/6000_2.png) [@tom\_vito](https://forums.speedlife.net/u/tom_vito)\ **Post date:** [February 26, 2009, 2:19pm UTC](https://forums.speedlife.net/t/insurance-question/201996/16 "2009-02-26T14:19:25Z")
> [@post your crazy car shreding pics and videos!](https://forums.speedlife.net/t/post-your-crazy-car-shreding-pics-and-videos/39708/13): > > My understanding is that limited tort limits your ability to sue for pain and suffering. If you were in an at-fault accident, how would you be screwed by having limited tort? I’m thinking instead of saying limlted tort, he meant limlted coverage. But what the hell do I know???