# wtf \\
**Category:** NYSpeed Off Topic\
**Created:** [January 15, 2008, 2:26am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848 "2008-01-15T02:26:10Z")\
**Posts on this page:** 20\
**Page:** 2
**Author:**  [@Hass](https://forums.speedlife.net/u/Hass)\
**Post date:** [January 15, 2008, 10:46am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/21 "2008-01-15T10:46:48Z")
> [@JayS](#):
>
> Well, depends on his record. If he “almost died 20 times” in a light snow my guess is he drives way too fast and probably has accidents and tickets on his record.
One year and a half driving.
No accidents.
No tickets.
and no, I don’t really drive way too fast.
I drive like a grandma most of the time because I’m not a big fan of breaking my car -.-
I’m not really looking for the speed6 because it’s faster.
I’m in to it because it has Traction/stability and AWD. and full airbags etc…
I don’t really race.
As far as snows goes, I was thinking about it. But really, how much longer is my car going to last? 😛 Granted, I’ve owned it for a little over a year now… and the only thing I had to put in it so far was a serpentine belt… and some oil changes, a tranny flush to keep up with prev owners scheduled crap, and some new tires…
Thanks for the input by the way.
I tried Geico about 3 months back, but I got refused for lack of driving experience.
I’ll try again though.
_edit_ The ride home was about a two hour drive through unplowed backroads btw -.-
_edit_ Our family’s insurance agent set me up with progressive by the way. I guess she shops around for the lowest price and gets you that. But I’ll look around myself actually.
---
**Author:**  [@JayS](https://forums.speedlife.net/u/JayS)\
**Post date:** [January 15, 2008, 10:59am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/22 "2008-01-15T10:59:14Z")
How old are you? \<18 insurance is going to be awful, especially on something with “speed” in the name.
That said give Alliance Insurance on Dick Rd in Depew a call and see what they can do for you. When I was young and stupid in the higher risk pool they were always able to find me much better deals on insurance than I could find on my own.
As for snow, when I was going to college at Buff State I’d make the drive up 81 to visit family quite regularly. FWD tercel with all seasons driving over the [tug hill plateau](http://en.wikipedia.org/wiki/Tug_Hill_Plateau) on 81 and they set the records for snowfall in NY pretty much every single year. Never stuck, never in the ditch, driving in whiteout conditions more times than I can remember. Unless you’re driving like an idiot there is no reason to “fear for your life” while driving in the snow in a fwd car with decent tires. Out in the Rockies where you might get 15 feet of snow in a single storm, get buried, and die of exposure maybe… but not here in NY.
---
**Author:**  [@Hass](https://forums.speedlife.net/u/Hass)\
**Post date:** [January 15, 2008, 11:06am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/23 "2008-01-15T11:06:12Z")
I’m 20.
Hmm, I’ll check them out I suppose. =)
Thanks.
lol yeah I know, I wasn’t really too worried, since I was in my car… it has heat, and it has food :] So I can just go slow and take my time. But it just got aggravating when I’d have problems making it up large hills and such.
---
**Author:**  [@The\_Russian](https://forums.speedlife.net/u/The_Russian)\
**Post date:** [January 15, 2008, 11:06am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/24 "2008-01-15T11:06:17Z")
My insurance is comical
900 every 6 mos for a 94 lesabre.
I have 16 points on my licsense though. 🙂
---
**Author:**  [@rdandy5875](https://forums.speedlife.net/u/rdandy5875)\
**Post date:** [January 15, 2008, 11:20am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/25 "2008-01-15T11:20:30Z")
My insurance went up when I got mine. I pay like $90/month, 500 ded. I’m 29 married and no tickets or accidents. The wife’s 97 escort, which the speed6 replaced, was like $60/month. The car was also worth like 1k.
I don’t think they have a category for a speed6 though, on my renewal it just says “2006 mazda mazda6”. I think a normal mazda6 will be the same price.
It’s just because of your age and the price of the new vehicle. I don’t think it’s going to matter if you are buying a 15k mazda 6 or a 23k speed6.
Call around, insurance company quotes can vary by alot.
---
**Author:**  [@jt76](https://forums.speedlife.net/u/jt76)\
**Post date:** [January 15, 2008, 11:21am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/26 "2008-01-15T11:21:54Z")
im 21, clean record Geico is about 120 a month on the T/A full coverage
---
**Author:**  [@rdandy5875](https://forums.speedlife.net/u/rdandy5875)\
**Post date:** [January 15, 2008, 11:27am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/27 "2008-01-15T11:27:18Z")
Plus I don’t know if you were planning on buying new or used, but if the ms6 comes with the summer 18" rubber, you are going to NEED to buy at least a set of all seasons or something for the winter. Which will run you another $500-800.
Or you’ll be using that insurance sooner than you want. AWD or not, the stock tires are completely unreliable with any snow on the ground.
---
**Author:**  [@Hass](https://forums.speedlife.net/u/Hass)\
**Post date:** [January 15, 2008, 11:29am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/28 "2008-01-15T11:29:14Z")
Ohh thanks, I didn’t know that.
It comes standard with the 18" summers?
I know the Mazda 3s can come with RS-As, which are probably what I’d end up getting -.-
Oh goody, geico accepted me!
Your monthly premium is $481.38. That is only $2551.00 for 6 months.
Thanks Little lizard dude!
State Farm is 301 per month.
Much better -.-
---
**Author:**  [@rdandy5875](https://forums.speedlife.net/u/rdandy5875)\
**Post date:** [January 15, 2008, 11:43am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/29 "2008-01-15T11:43:11Z")
When I was 18 I bought a new 96 grand am gt, I think it was around $18k. Some places wouldn’t even quote me a price. I ended up at progressive paying like $300/month.
---
**Author:**  [@jrod0187](https://forums.speedlife.net/u/jrod0187)\
**Post date:** [January 15, 2008, 11:49am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/30 "2008-01-15T11:49:44Z")
I have an Evo 9 and pay about $140/ month with progressive. I’ll be turning 26 in March so i’m hoping it drops. Thats with my defensive driving course i took (which knocked $60 off every 6 months) I have points also on my record.
---
**Author:**  [@66impalass](https://forums.speedlife.net/u/66impalass)\
**Post date:** [January 15, 2008, 11:50am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/31 "2008-01-15T11:50:52Z")
> [@Hass](#):
>
> Ohh thanks, I didn’t know that.
> It comes standard with the 18" summers?
>
> I know the Mazda 3s can come with RS-As, which are probably what I’d end up getting -.-
>
> Oh goody, geico accepted me!
> Your monthly premium is $481.38. That is only $2551.00 for 6 months.
> Thanks Little lizard dude!
>
> State Farm is 301 per month.
> Much better -.-
holy shit! You have to have some serious driving record issue, or zero credit. I mean I have had a few \>2x speed limit tickets, car broken into 4 times, stolen once in the last 3 years, plus a totaled vehicle about 7 years ago and I still pay half of what you do.
---
**Author:**  [@jrod0187](https://forums.speedlife.net/u/jrod0187)\
**Post date:** [January 15, 2008, 11:53am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/32 "2008-01-15T11:53:04Z")
Are you checking quotes online? Call them, let them run your license. Go from there.
---
**Author:**  [@Hass](https://forums.speedlife.net/u/Hass)\
**Post date:** [January 15, 2008, 11:55am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/33 "2008-01-15T11:55:03Z")
I’m checking online. =|
and yeah, I have zero credit :x
---
**Author:**  [@theblue](https://forums.speedlife.net/u/theblue)\
**Post date:** [January 15, 2008, 11:56am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/34 "2008-01-15T11:56:27Z")
> [@jrod0187](#):
>
> I have an Evo 9 and pay about $140/ month with progressive. I’ll be turning 26 in March so i’m hoping it drops. Thats with my defensive driving course i took (which knocked $60 off every 6 months) I have points also on my record.
try this out… get the VIN for a $500 car and call geico/progressive and tell then you’re thinking of using the 500 car for your daily and the evo for weekends.
I bet they quote the total for both cars at like $200 less for a year.
plus you get a beater to run to the parts store in.
my evo is like $1600/year by itself. with my bmw as primary and the evo as secondary I pay $1400/year.
(I have a couple tix on record)
---
**Author:**  [@Fry](https://forums.speedlife.net/u/Fry)\
**Post date:** [January 15, 2008, 11:58am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/35 "2008-01-15T11:58:50Z")
Being that you’re almost 21, you might want to consider building some credit. You’re just on the tip of the iceberg as to why…
---
**Author:**  [@jrod0187](https://forums.speedlife.net/u/jrod0187)\
**Post date:** [January 15, 2008, 11:58am UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/36 "2008-01-15T11:58:58Z")
> [@66impalass](#):
>
> plus a totaled vehicle about 7 years ago and I still pay half of what you do.
Yea, I also totaled my 05 wrx a year ago and still pay alot less.
When I was younger I had the same problem with insurance being insanely high, to solve this i ended up just going on my moms insurance. Its a bit risky i’ve been told but it worked out for me
---
**Author:**  [@jrod0187](https://forums.speedlife.net/u/jrod0187)\
**Post date:** [January 15, 2008, 12:01pm UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/37 "2008-01-15T12:01:05Z")
> [@theblue](#):
>
> try this out… get the VIN for a $500 car and call geico/progressive and tell then you’re thinking of using the 500 car for your daily and the evo for weekends.
>
> I bet they quote the total for both cars at like $200 less for a year.
>
> plus you get a beater to run to the parts store in.
>
> my evo is like $1600/year by itself. with my bmw as primary and the evo as secondary I pay $1400/year.
> (I have a couple tix on record)
Word, hmmm you’ve got me thinking
---
**Author:**  [@Hass](https://forums.speedlife.net/u/Hass)\
**Post date:** [January 15, 2008, 12:02pm UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/38 "2008-01-15T12:02:20Z")
> [@Fry](#):
>
> Being that you’re almost 21, you might want to consider building some credit. You’re just on the tip of the iceberg as to why…
Easiest way = with a credit card?
I have a debit now, Been using it since I was 18.
But I think it does nothing for my credit really.
_edit_ Actually, I can probably just look up credit building stuff.
---
**Author:**  [@nitroinsane](https://forums.speedlife.net/u/nitroinsane)\
**Post date:** [January 15, 2008, 12:03pm UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/39 "2008-01-15T12:03:06Z")
i have gmac for insurance its 246 full coverage on a 08 cobalt and i have a horrible driving record
---
**Author:**  [@LZ1](https://forums.speedlife.net/u/LZ1)\
**Post date:** [January 15, 2008, 12:03pm UTC](https://forums.speedlife.net/t/wtf-3-car-insurance/41848/40 "2008-01-15T12:03:25Z")
PM Testicle for an insurance quote…or keep ranting in this thread either way.
[Previous page](https://forums.speedlife.net/t/wtf-3-car-insurance/41848.md?page=1)
[Next page](https://forums.speedlife.net/t/wtf-3-car-insurance/41848.md?page=3)