# Nasty Insurance Surpise!....Cars 1993 and older **URL:** \ **Category:** SON240sx Automotive\ **Created:** [February 16, 2013, 12:20pm UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760 "2013-02-16T12:20:26Z")\ **Posts on this page:** 15\ **Page:** 2
**Author:** ![jdm-only](https://avatars.discourse-cdn.com/v4/letter/j/ea666f/32.png) [@jdm-only](https://forums.speedlife.net/u/jdm-only)\ **Post date:** [February 17, 2013, 1:55am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/21 "2013-02-17T01:55:31Z")
and what if your car is done up to the max and looks like it belongs on a time attack track? do they cheek all that? ---
**Author:** ![scotto](https://avatars.discourse-cdn.com/v4/letter/s/b38774/32.png) [@scotto](https://forums.speedlife.net/u/scotto)\ **Post date:** [February 17, 2013, 5:02am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/22 "2013-02-17T05:02:12Z")
> [@jdm-only](#): > > what about just getting sliver wheel? and whhat’s this guv appraisal all about now? Silver wheels requires a photo appraisal, and also that you own a car newer than the one you’re insuring as well. You are also not allowed to drive the older car daily, or even think about taking it to a track. There were a few guys that are from Windsor that had their 70’s muscle cars insured through Silver Wheels, and were caught at Grand Bend drag strips last summer. The insurance adjustor was there taking pictures of license plates and cancelled policies the following week. My wifes cousin has to sell his 72 Nova that he just finished rebuilding because of this stipulation, he could only get standard car insurance for it which is $5000 a year from a few tickets, and thats for only driving in the summertime on weekends. ---
**Author:** ![Worditzdoley](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/worditzdoley/32/6243_2.png) [@Worditzdoley](https://forums.speedlife.net/u/Worditzdoley)\ **Post date:** [February 17, 2013, 5:50am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/23 "2013-02-17T05:50:27Z")
> [@2ner](#): > > My g2 expired and i got it again a year back, i have 2 shitty tickets 24 and in peel region combined insurance on my apt is $480 a month on my AE86 , they said they dont cover damage at all only Liability and $1,000,000 damage to others and health benefits. > > you can get old cars insured but they arent covered at all. this quote was through TD > > lady tells me Hondas are more expensive because there are more of them on the road which means the precentage of thefts /accidents and claims is higher for that brand… technically the more of a rare oldball car you have , the better your rate… for instance …first gen ford fiesta…havent seen those in years > mk1 /mk2 vw’s , my old mk3 was cheap for some reason. My insurance is dumb like that, state farm was the only place where my civic was cheaper then my 240. 😛 ---
**Author:** ![240racer](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/240racer/32/5682_2.png) [@240racer](https://forums.speedlife.net/u/240racer)\ **Post date:** [February 17, 2013, 7:55am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/24 "2013-02-17T07:55:02Z")
The problem with State Farm is every damn time you make a change they jack your rate up. I had a both my summer and winter vehicles insured with them under the same policy,I had a 93 S13 vert and I was paying about 140 a month. Over the winter, I sold it, and bought another one, and when I went to insure it the next summer they wanted $30 more a month for the IDENTICAL car and couldn’t tell me why. So i said fuck you, and went to Bel Air, and it was about $89 a month. But now Bel Air is telling me when I switch the car from fire and theft to full coverage again in the summer, they might want a current safety inspection done because the car is so old. I’m not sure how a car falls apart in a matter of 6 months sitting in storage, but the whole thing seems stupid. Not to mention they didn’t want to give me a snow tire discount even though the thing doesn’t even get driven in the winter, and my winter beater has snow tires on it. My Dad had silver wheels on his s13 and it’s under $100 a year. ---
**Author:** ![Trance\_Ghost](https://avatars.discourse-cdn.com/v4/letter/t/e47c2d/32.png) [@Trance\_Ghost](https://forums.speedlife.net/u/Trance_Ghost)\ **Post date:** [February 17, 2013, 8:47am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/25 "2013-02-17T08:47:02Z")
I’ve been with belair for 7 years, good rates and all but the 20 year rule is stupid… my truck is a 93, thus over 20 years and they are still insuring it… because I got it just before it became 20 years old… I pay 51 bucks a month to insure it, cheap as hell when I had my s14/wrx/ranger all insured with bel air it was 161 a month I also have a house insured with them and im 27 ---
**Author:** ![kevbot](https://avatars.discourse-cdn.com/v4/letter/k/5f8ce5/32.png) [@kevbot](https://forums.speedlife.net/u/kevbot)\ **Post date:** [February 17, 2013, 1:25pm UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/26 "2013-02-17T13:25:12Z")
21 years old. G driver. Perfect record. own policy with desjardins. been with them for 2 years now. Cars I’ve insured with them were 93 240sx, 88 Cressida, and a 91 Supra. $148 a month basic coverage and dropping. ---
**Author:** ![DylanM](https://avatars.discourse-cdn.com/v4/letter/d/b5e925/32.png) [@DylanM](https://forums.speedlife.net/u/DylanM)\ **Post date:** [February 17, 2013, 10:34pm UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/27 "2013-02-17T22:34:58Z")
Yeah, I pay 400 a month basic on my 91 hatch, 21 y/o no accidents no tickets. That was the cheapest I could get, state farm quoted me at over 800 a month basic so I’m not sure how this all works out… fuck being under 25 and trying to afford insurance. Even my winter beater is 200 a month to insure and it’s a 94 Olds Cutlass, come on… ---
**Author:** ![randy240sx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/randy240sx/32/5740_2.png) [@randy240sx](https://forums.speedlife.net/u/randy240sx)\ **Post date:** [February 18, 2013, 9:11am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/28 "2013-02-18T09:11:45Z")
anywhere in the GTA and your gonna get insane rates, i know a buddy who moved from hamilton and just didnt change his address just to save on his rates… ---
**Author:** ![Worditzdoley](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/worditzdoley/32/6243_2.png) [@Worditzdoley](https://forums.speedlife.net/u/Worditzdoley)\ **Post date:** [February 18, 2013, 9:30am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/29 "2013-02-18T09:30:30Z")
> [@randy240sx](#): > > anywhere in the GTA and your gonna get insane rates, i know a buddy who moved from hamilton and just didnt change his address just to save on his rates… Smart. ---
**Author:** ![240pimp](https://avatars.discourse-cdn.com/v4/letter/2/848f3c/32.png) [@240pimp](https://forums.speedlife.net/u/240pimp)\ **Post date:** [February 18, 2013, 10:15am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/30 "2013-02-18T10:15:37Z")
Yeah, there are some big differences for living in certain areas, unfortunately I’m not in a cheap area ---
**Author:** ![Philly](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/philly/32/5748_2.png) [@Philly](https://forums.speedlife.net/u/Philly)\ **Post date:** [February 18, 2013, 11:50am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/31 "2013-02-18T11:50:40Z")
Not true boys. Halton Region has great rates, when the wife moved from Hamilton mountain to Burlington her insurance dropped $100/month. We now pay $50/month for my 98 Forester and $77/month full coverage for her 2012 Civic. Hamilton rates suck ass, they’re better then Toronto or Bramladesh but they still suck. ---
**Author:** ![randy240sx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/randy240sx/32/5740_2.png) [@randy240sx](https://forums.speedlife.net/u/randy240sx)\ **Post date:** [February 18, 2013, 12:00pm UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/32 "2013-02-18T12:00:10Z")
Its all about traffic volume! obviously Burlington will have better rates, and yes Hamilton is slowly turning into Toronto rates wise ---
**Author:** ![Philly](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/philly/32/5748_2.png) [@Philly](https://forums.speedlife.net/u/Philly)\ **Post date:** [February 18, 2013, 5:36pm UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/33 "2013-02-18T17:36:35Z")
Nope. It’s not only about population. It’s about accidents and thefts per capita. Driving behavior is noticeably better in Burlington, as well as break ins and car thefts are very rare. In my eight years living in Burlington I haven’t heard of one break in or car theft within the circle of people that I know. Where as growing up in Mississauga it was much more common. ---
**Author:** ![Benjai](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/benjai/32/6122_2.png) [@Benjai](https://forums.speedlife.net/u/Benjai)\ **Post date:** [February 18, 2013, 7:16pm UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/34 "2013-02-18T19:16:46Z")
> [@Philly](#): > > Nope. It’s not only about population. It’s about accidents and thefts per capita. Driving behavior is noticeably better in Burlington, as well as break ins and car thefts are very rare. In my eight years living in Burlington I haven’t heard of one break in or car theft within the circle of people that I know. Where as growing up in Mississauga it was much more common. This. Also a lower population doesn’t necessarily mean lower insurance. Moving half an hour north translated to a $50/mo hike in insurance (Desjardins). The “reasoning” was that the lower volume of people still had an average number of collisions, resulting in a higher number of collisions per person. W/e, insurance is a goddamn scam anyway. ---
**Author:** ![240pimp](https://avatars.discourse-cdn.com/v4/letter/2/848f3c/32.png) [@240pimp](https://forums.speedlife.net/u/240pimp)\ **Post date:** [February 19, 2013, 5:58am UTC](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760/35 "2013-02-19T05:58:19Z")
I definitely feel that it’s a scam. They are happy to take your money, but when it comes time to pay out, different story. Cheapest fuckers ever. [Previous page](https://forums.speedlife.net/t/nasty-insurance-surpise-cars-1993-and-older/228760.md?page=1)