How much is your Insurance

chiliwili · 03-31-2010, 06:32 PM

Quote:

Originally Posted by gumpy

Ravoz - try AAMI and max out the excess

Chilli - Just Cars are just too expensive... but prolly are the only choice if you mod your car...

Just Cars was the cheapest for me by far.

I actually work in insurance, so i'm quite familiar with how they do their premium ratings. Each insurer rates on different criteria, so you'll find depending on which demographic you fall into, some insurers might be cheaper than others for different people.

So Just Cars allows mods, but they need to be street legal? How do you know what is street legal or not? And do they charge you more premium for modding?

gumpy · 03-31-2010, 06:40 PM

Quote:

Originally Posted by chiliwili

Just Cars was the cheapest for me by far.

I actually work in insurance, so i'm quite familiar with how they do their premium ratings. Each insurer rates on different criteria, so you'll find depending on which demographic you fall into, some insurers might be cheaper than others for different people.

So Just Cars allows mods, but they need to be street legal? How do you know what is street legal or not? And do they charge you more premium for modding?

I actually dont know this... i never mod my cars i just know they cater for it... Have to imagine they tell you it has to be street legal and then investigate once the claim comes in, in good ole insurance fashion.

TJZ · 03-31-2010, 06:43 PM

I got a few insurance quotes and did a little research before choosing RAC here in perth. Just Car was the most expensive...

Not only was the premium $50 more, but the excess was rediculous, $2400 vs. the $350 I get currently. I think they had some standard excess, age excess as well as some other special excess....as if they are trying to hide the fact they will hit you for $2400 all up when you claim. I even phoned them to confirm that I was reading it correctly....

Ravoz · 03-31-2010, 09:41 PM

Im currently with AMMI at $170 a month.

Justcars has me quoted at $150 a month...but compared to everyone else im like an extra $50 a month more.

gumpy · 03-31-2010, 09:48 PM

Quote:

Originally Posted by Ravoz

Im currently with AMMI at $170 a month.

Justcars has me quoted at $150 a month...but compared to everyone else im like an extra $50 a month more.

must be either your history or the area of your car =/

chiliwili · 03-31-2010, 10:17 PM

Standard excess (around $400 to $600) for me would have meant around $4,000 for AAMI and NRMA. Soooo... that wasn't an option. I think it is because i live inner city. I'm also using my own name, and no accidents or suspensions last 5 years.

Ravoz · 03-31-2010, 11:06 PM

No accidents no claims or anything. I live in Campbelltown..is that it?

gumpy · 04-01-2010, 01:21 AM

Quote:

Originally Posted by Ravoz

No accidents no claims or anything. I live in Campbelltown..is that it?

ah yeah... that would be it... what a shame... i'd imagine the only other suburbs that would cost more are the likes of redfern etc...

chiliwili · 04-01-2010, 01:38 AM

hahahha

i live near redfern... =)

gumpy · 04-01-2010, 06:33 PM

Quote:

Originally Posted by chiliwili

hahahha

i live near redfern... =)

rofl... hey at least you're close to the city bar and clubs, pros and cons...

chiliwili · 04-05-2010, 07:16 PM

Quote:

Originally Posted by gumpy

rofl... hey at least you're close to the city bar and clubs, pros and cons...

yeah, wouldn't give that up for the world, not at this stage anyway. $20 cab ride home... I hardly ever drive!!! =)

FloridaViking · 04-05-2010, 07:33 PM

46 yrs
Insurance for me and my wife
1 370z 1 honda and 1 full size Dodge truck w\exstended cab.
I pay $650 for 6 months

Mr Ed · 04-01-2010, 10:38 PM

AAMI
Brisbane
Age - 32
New for old for x years?
Windscreen cover
No rental cover as I own 3 cars
No mileage cap

Cost $605 per annum

Mr370z · 06-29-2010, 09:01 AM

well picking up the roadster Sat, so i called heaps of insurance companies today.. here's how i went

AAMI - $1182 $550 excess
Budget Direct - no go
Youi - $1843
RACV - $1521
GIO - $1277
Just Cars - $1454
real insurance - no go
Allianz - no go
Shannons - no go
Bingle - $1368.51
St George - $1227.70

So in the end went with AAMI...

32yo male
Melbourne
Rating 1

Majestik · 06-29-2010, 09:16 AM

Quote:

Originally Posted by Mr370z

well picking up the roadster Sat, so i called heaps of insurance companies today.. here's how i went

AAMI - $1182 $550 excess
Budget Direct - no go
Youi - $1843
RACV - $1521
GIO - $1277
Just Cars - $1454
real insurance - no go
Allianz - no go
Shannons - no go
Bingle - $1368.51
St George - $1227.70

So in the end went with AAMI...

32yo male
Melbourne
Rating 1

You should ask for another quote from Racv mate. I'm about your age, rating one, insured for agreed value of $78000 and also had a previous claim (of my write off Z) and I pay under $1300 with $550 excess on Complete Care..

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03-31-2010, 06:43 PM	#3 (permalink)
TJZ Base Member Join Date: Mar 2010 Location: Australia, Perth Posts: 39 Drives: 09 Nissan370z BS 7AT Rep Power: 16	I got a few insurance quotes and did a little research before choosing RAC here in perth. Just Car was the most expensive... Not only was the premium $50 more, but the excess was rediculous, $2400 vs. the $350 I get currently. I think they had some standard excess, age excess as well as some other special excess....as if they are trying to hide the fact they will hit you for $2400 all up when you claim. I even phoned them to confirm that I was reading it correctly....

03-31-2010, 09:41 PM	#4 (permalink)
Ravoz Base Member Join Date: Feb 2010 Location: Sydney Posts: 33 Drives: Nissan 370Z Rep Power: 16	Im currently with AMMI at $170 a month. Justcars has me quoted at $150 a month...but compared to everyone else im like an extra $50 a month more.

03-31-2010, 10:17 PM	#6 (permalink)
chiliwili Base Member Join Date: Feb 2010 Location: Sydney Posts: 32 Drives: 370Z Roadster Rep Power: 16	Standard excess (around $400 to $600) for me would have meant around $4,000 for AAMI and NRMA. Soooo... that wasn't an option. I think it is because i live inner city. I'm also using my own name, and no accidents or suspensions last 5 years.

03-31-2010, 11:06 PM	#7 (permalink)
Ravoz Base Member Join Date: Feb 2010 Location: Sydney Posts: 33 Drives: Nissan 370Z Rep Power: 16	No accidents no claims or anything. I live in Campbelltown..is that it?

04-01-2010, 01:38 AM	#9 (permalink)
chiliwili Base Member Join Date: Feb 2010 Location: Sydney Posts: 32 Drives: 370Z Roadster Rep Power: 16	hahahha i live near redfern... =)

04-05-2010, 07:33 PM	#12 (permalink)
FloridaViking Base Member Join Date: May 2009 Location: South Carolina Posts: 13 Drives: T/S 7AT Blue/Persimo Rep Power: 16	46 yrs Insurance for me and my wife 1 370z 1 honda and 1 full size Dodge truck w\exstended cab. I pay $650 for 6 months

04-01-2010, 10:38 PM	#13 (permalink)
Mr Ed Base Member Join Date: Aug 2009 Location: Brisbane, Australia Posts: 162 Drives: 09 Nissan 370Z M6 Rep Power: 16	AAMI Brisbane Age - 32 New for old for x years? Windscreen cover No rental cover as I own 3 cars No mileage cap Cost $605 per annum

06-29-2010, 09:01 AM	#14 (permalink)
Mr370z Base Member Join Date: Mar 2010 Location: Melbourne Posts: 78 Drives: 370z Roadster! Rep Power: 16	well picking up the roadster Sat, so i called heaps of insurance companies today.. here's how i went AAMI - $1182 $550 excess Budget Direct - no go Youi - $1843 RACV - $1521 GIO - $1277 Just Cars - $1454 real insurance - no go Allianz - no go Shannons - no go Bingle - $1368.51 St George - $1227.70 So in the end went with AAMI... 32yo male Melbourne Rating 1