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| The Pub For General Automotive Related Talk |
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11-01-2007, 02:11 AM
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#1 | ||
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FF.Com.Au Hardcore
Join Date: Aug 2006
Location: Perth
Posts: 1,455
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hi,
The other day decided that I was going to upgrade my car in the next 4-5 months to a xr6t. But I was a little worried that the insurance was going to cost a bucket load. Turns out I was right to worrie. I got a couple of quotes so far, both RAC and SGIO quoted me around $4000.  : . I guess be being a P plater dosnt help.Thing is, Im going to be working my *** off for the car and simply dont have that much money for insurance. So I thought mabey someone on here nows Some loop holes or ways of geting cheaper insurance. The car would be registered in my name. Could I still insure it in someone elses name? If it was insured in someone elses name and I had an accident, would I just have to pay an extra excess? or would the not pay out? Thanks in advance
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BF MK1 RAPID F6 TORNADO, LEATHER, BREMBOS, FPV WHEEL, HARD COVER-304rwkw Performance mods: SL's(front) and leveled at the back, Front 30mm whiteline sway bar, 4" dump, 4" cat, 3.5" exhaust split to Dual 2.5" with quad tips, Plazmaman stage 1 polished intercooler and piping kit, 60lb injectors, Walbro fuel pump, upgraded actuator, GFB BOV, K&N panel filter Mods for show: 19" black Speedy Inferno rims, MTX 5x7's front and rear, 2x Kenwood 4ch amps, 3x Kenwood 10" subs, chrome fuse box cover |
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11-01-2007, 02:37 AM
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#2 | ||
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Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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Just do the right thing from the beginning i would suggest.....
No point winging about costly insurance, you want the performanc car at a young age, pay the premium! Regarding placing it another name.... unwise move! the insurance company will investigate to the nth degree any claim you make... this "Trick" is well and truly useless.... read the fine print...... im sure it will say words to the effect of if a policy was incorrectly or untruthfully created than it will be nul and void..... Cheers! |
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11-01-2007, 08:30 AM
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#3 | |||
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FF.Com.Au Hardcore
Join Date: Aug 2006
Location: Perth
Posts: 1,455
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Quote:
I mite have to ask for a payrise.
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BF MK1 RAPID F6 TORNADO, LEATHER, BREMBOS, FPV WHEEL, HARD COVER-304rwkw Performance mods: SL's(front) and leveled at the back, Front 30mm whiteline sway bar, 4" dump, 4" cat, 3.5" exhaust split to Dual 2.5" with quad tips, Plazmaman stage 1 polished intercooler and piping kit, 60lb injectors, Walbro fuel pump, upgraded actuator, GFB BOV, K&N panel filter Mods for show: 19" black Speedy Inferno rims, MTX 5x7's front and rear, 2x Kenwood 4ch amps, 3x Kenwood 10" subs, chrome fuse box cover |
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11-01-2007, 09:33 AM
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#4 | ||
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Ford Fanatic
Join Date: Feb 2005
Location: Brisbane
Posts: 1,480
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If you are getting finace for the car in your name, your finance company will INSIST as part of the finacne arrangment it is insured in your name so they know thier investment is protected.
Keep the car you have is the best advice until your at least 25. The only loophole I can see for you getting cheaper insurance is to move to Tasmania. Sydney is the highest insurance premiums in Australia before you even look at anything else.
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Everyone is entitled to my Opinion  2007 Territory TX SY RWD Ego |
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11-01-2007, 09:51 AM
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#5 | ||
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FF.Com.Au Hardcore
Join Date: Aug 2006
Location: Perth
Posts: 1,455
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It will be a personal loan for the car. Im in WA, im not sure how well our premiums compare to sydney. Im going to give a few more places a call today. Wish me luck
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BF MK1 RAPID F6 TORNADO, LEATHER, BREMBOS, FPV WHEEL, HARD COVER-304rwkw Performance mods: SL's(front) and leveled at the back, Front 30mm whiteline sway bar, 4" dump, 4" cat, 3.5" exhaust split to Dual 2.5" with quad tips, Plazmaman stage 1 polished intercooler and piping kit, 60lb injectors, Walbro fuel pump, upgraded actuator, GFB BOV, K&N panel filter Mods for show: 19" black Speedy Inferno rims, MTX 5x7's front and rear, 2x Kenwood 4ch amps, 3x Kenwood 10" subs, chrome fuse box cover |
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11-01-2007, 09:55 AM
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#6 | ||
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FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,465
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Well Just Cars is probably your best bet but I can't see them being too cheap either but will insure all mods so long as they are legal and you tell them.
And there premium is based on the youngest driver. $3355 for my car. It sucks but hey you play, you pay! |
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11-01-2007, 07:29 AM
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#7 | ||
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The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Keep the Futura until you are off you P's. Then you will have a lower premuim and more money to spend on a car!
Economically this is your best option. Question is, can u be patient?
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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11-01-2007, 09:58 AM
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#8 | ||
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windsorman
Join Date: Sep 2006
Location: sydney metro
Posts: 260
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try shannons mate. they seem to be a bit more reasonable with their premiums.
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351capri |
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11-01-2007, 10:01 AM
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#9 | ||
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FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Sydney
Posts: 1,974
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How times have changed - when the BA first came out I remember getting a quote on an XR6T - it was $800 a year in Sydney for a then 22 year old driver. They must be getting a bad name in the insurance biz.
Just Car would be cheapest but check the excess you will have to pay in the event of a claim - its massive...
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1966 Ford Mustang coupe. 347 stroker, PA reverse manual C4, TCE high stall converter, B&M Pro Ratchet, Edelbrock alum heads, Edelbrock intake manifold, MSD ignition, Holley Street HP 750 CFM carb, gilmer drive, wrapped Hooker Super Comp Headers, dual 3" straight through exhaust, Bilstein shocks, custom springs, full poly suspension, American Racing rims, Open Tracker roller spring saddles and shelby drop. Still to go - Holley Sniper EFI with integrated fuel cell. |
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11-01-2007, 11:15 AM
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#10 | ||
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Force Fed Fords
Join Date: Aug 2006
Location: Lysterfield
Posts: 1,914
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I Fluxx I, try a company called Rhino insurance. I'm about to change my insurance to these guys.
I'm 22 and drive a XR6T with countless mods. They qouted me $1,300 for full comp with unlimited mods and agread value inc mods. I'll find a link for ya. Link here: http://www.rhinoinsurance.com/index.cfm
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BA XR6 TURBO 310rwkw and always chasing more Now with 6th Gear RAPID PERFORMANCE ORSM FORD CRUISER
Last edited by vandrsxr6; 11-01-2007 at 11:26 AM. Reason: Added link and correction |
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11-01-2007, 11:19 AM
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#11 | |||
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FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,465
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Quote:
Also when you input your car details in automatically brings up a value for your car. Mines currently insured for $27k and it came up with $33.2k. I think you can choose your value to and I would put mine at $30k because I only got mine cheap because it needed a few things and the guy wanted to get rid of it quick so it's well and trully worth that now. |
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11-01-2007, 01:32 PM
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#12 | ||
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Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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500 bucks a month you say?????
Another reason to keep the humble and somewhat girly Yellow Festiva... $280 or there about a year FULL COMPREHENSIVE in Sydeny (with a discount for paying higher excess)...... I guess people just dont steal or crash them (as often)??? |
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11-01-2007, 07:51 PM
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#13 | ||
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Regular Member
Join Date: Dec 2006
Location: The Shire
Posts: 193
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isn't that rhinio company a US company?
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BA MK11 XR6- Black |
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11-01-2007, 07:57 PM
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#14 | ||
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Audi S3
Join Date: May 2005
Location: Sydney.
Posts: 8,307
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register it, and insure it in your parents name. provided you still live at home. then say you are a temp. driver. works wonders.
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11-01-2007, 09:33 PM
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#15 | |||
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FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,465
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Quote:
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11-01-2007, 08:31 PM
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#16 | ||
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Legless Old Fart
Join Date: May 2006
Posts: 67
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RHINO Insurance is an American Insurance Company....Try this one, & I've also heard good things about it. www.rynoinsurance.com.au.
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11-01-2007, 11:31 PM
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#17 | ||
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Spr Jenkins
Join Date: Mar 2006
Location: Melbourne
Posts: 597
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try vigil insurance, www.vigilins.com.au, They are the modified division for OAMPS one of the worlds biggest insurers. Unlimited mods if they are legal, agreed value was $14 extra a year, so much better than bloody RACV
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12-01-2007, 09:12 PM
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#18 | ||||
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FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,465
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Quote:
Quote:
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need help with insurance
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