| Author | Topic |
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Location:
Sydney
Registered:
September 2003
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Real Insurance Quote
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Mon, 11 July 2005 01:39
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I was sick and tired of all these quotes people give, that there cousins neighbours friend got. This is here to show, a real quote and details, I pretended i bought the car, i plan to get one next year, Cheers.
-Age; 23
-Location; South West Sydney
-Never had insurance before
-2 speeding fines one which was a suspension in 2005
-not on finance
-car is in locked garage
JUSTCAR
Car - 1988 Toyota Supra/$9500/manual/twinturbo/(((STANDARD-NO MODS)))
Agreed Value - $9500
Comprehensive - $1698
-excess-$1600+($500 due to 1 licence suspension) or THEFT $1200
Third Party - $650
SHANNONS
Car - 1988 Toyota Supra/$9500/manual/twinturbo/(((STANDARD-NO MODS)))
Agreed Value - $9500
Comprehensive - $2750 
-excess-$1100
Third Party - $643
YOUNG AND COOL
- Dont insure cars 15 years or older
VIGIL
- Dont insure Imports
They also told me a MZ20 Soarer with similar year is the same.
This is the car i got info from:
http://www.carsales.com.au/pls/carsales/!cs_conten t.private_vehicle?vehicle_id=2438877¤t_r ec=3&used_rec=2&total_rec=19&sort_type =&total_rec=19&sort_type=&price_max=10 000&make_id=8&model_id=68&state_id=-1& amp; amp; amp; amp; amp; amp; amp; amp; amp;search_distance=25
-------------------------------------------------- ---------------
JUSTCAR
Car - 1991 Toyota Soarer/$10500/auto/twinturbo/(((STANDARD-NO MODS)))
Agreed Value - $10500
Comprehensive - $1930
-excess-$1600+($500 due to 1 licence suspension) or THEFT $1200
Third Party - $658
Fire and Theft - $950
SHANNONS
- Wont insure me now, because i need to do a Advance driving course and need to have owned a modified car  , so they will insure me a MA70 Supra but not a jzz30 Soarer  .
http://www.carsales.com.au/pls/carsales/!cs_conten t.private_vehicle?vehicle_id=2107026¤t_r ec=2&used_rec=0&total_rec=21&sort_type =&total_rec=21&sort_type=&price_max=15 000&make_id=8&model_id=140&state_id=2& amp; amp;search_distance=25
Cheers, SMT  .
[Updated on: Tue, 12 July 2005 00:10]
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I supported Toymods
Location:
Epping, Sydney
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 01:48
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sucks to be you then 
my quote for an ma61 with 1jz turbo conversion, and a list of mods to make most insurance companies cry, was about half your quote. agreed value $10k
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 01:50
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| draven wrote on Mon, 11 July 2005 11:48 |
sucks to be you then
my quote for an ma61 with 1jz turbo conversion, and a list of mods to make most insurance companies cry, was about half your quote. agreed value $10k
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Whats your age, and year model of the car?.
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I supported Toymods
Location:
Epping, Sydney
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 01:51
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age 24
year 1984
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 01:55
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I know i could get it cheaper through a broker, but just thought i might try, i was expecting 3/4k for comp like many people have said before, its pretty good considering my previous insurance status and driving history.
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I supported Toymods
Location:
Epping, Sydney
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 01:57
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ahhh....
my previous insurance history is 1 at fault accident which caused $0 damage to my car about 6 years ago. driving history, 1 speeding fine about 4 years ago, 15-30.
my quote was thru shannons.
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Location:
Adelaide, SA
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 02:21
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wait until you are 24 (or is it 25) - the price of insurance will drop by a lot because you change age catergories.
Also with Just cars for some reason my second year was cheaper than the first???
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I supported Toymods
Location:
Epping, Sydney
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 02:24
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| lumpy wrote on Mon, 11 July 2005 12:21 |
Also with Just cars for some reason my second year was cheaper than the first???
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that's because your no-claim bonus increases, as well as your age. both will reduce insuance costs
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Location:
sunny coast, qld
Registered:
October 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 02:29
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When I rang up justcars they said even for comprehensive they would only payout $4000 maximum. So that covers shit all of the actual cost.
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I supported Toymods
Location:
Epping, Sydney
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 02:31
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well that's fucked in the anus.
the best thing about Shannons (apart from being cheap if you're a sensible/evasive driver) is the extra perks. get to keep your wreck (HUGELY important for people like me, where the shell is worth fuckall, but the rest of it is worth a fortune), choice of repairer (who really wants their car to go to a mechanic they don't know?), and of course the free windscreen
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I supported Toymods
Location:
Australia
Registered:
November 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 02:51
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| Chris Davey wrote on Mon, 11 July 2005 10:29 |
When I rang up justcars they said even for comprehensive they would only payout $4000 maximum. So that covers shit all of the actual cost.
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Ummm, that doesn't make sense... seriously..
If the car is insured for 8k, then the pay out is 8k, minus the excess, minus the cost of the wreck if you buy it back.
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Location:
Campbelltown
Registered:
November 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 02:54
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no just cars is dodge, when doing quotes online, even for say a JZZ30 soarer purchase price of say 13K they want 3.5K a year for premiums and will only pay out 5K 
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I supported Toymods
Location:
Australia
Registered:
November 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 03:10
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So how can they say the car is insured for 13k if they only pay out 5k?
Thats gotta be false information.
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Location:
Campbelltown
Registered:
November 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 03:12
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no you put in the purchase price and then they make there own agreed value its bullshit i'd like to see them buy a replacement jzz30 for 5K
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Registered:
May 2002
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Location:
Tassie
Registered:
October 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 03:34
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Off topic but the guy says his supra is 3 litre twin turbo ?
the motor looks like a 1ggte and they are only 2 litre?
He also says it's an MA71, The "M" suggesting a 7mgte ?
But having said that.
I've got a shithouse driving record and just cars insured my 1ggte SA63 in my name for $600 with a $1300 excess for 3rd party fire and theft
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Location:
Sydney
Registered:
September 2003
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Location:
c'town, NSW
Registered:
May 2002
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Location:
Parramatta
Registered:
July 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 05:23
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vigial do insure imports mine is an import mr2 (turbo) its insured with them.
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On Probation
Location:
Hobart
Registered:
December 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 05:28
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i rang comm insure and they wouldn't bother with me
but i rang just cars:
19 years old male <---- i am with this one
MA61 with 7MGTE with mods etc etc
$318 third party
$50x third fire theft
$2800 full comp
Shannons:
$500 third
$800 fire theft
$4000 full comp
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On Probation
Location:
Hobart
Registered:
December 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 05:30
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| Mookie wrote on Mon, 11 July 2005 13:34 |
He also says it's an MA71, The "M" suggesting a 7mgte ?
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he could of meant 4M 
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 05:48
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| rob_RA40 wrote on Mon, 11 July 2005 14:50 |
ma70 is single turbo.
always negotiate.
NEVER get quotes online.
always negotiate.
if u dont get a good operator hang up and ring again.
always negotiate.
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Whats all this about, i got the quote's over the phone.
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Location:
Brisbane
Registered:
March 2005
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Re: Real Insurance Quote
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Mon, 11 July 2005 05:49
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insurance is expensive but youll be lovin it if anything were to happen to your car, my last car was stolen with no insurance and i lost everything its the worst thing ive ever been through. why not just insure against fire and theft?
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Location:
c'town, NSW
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 05:54
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| smt_007 wrote on Mon, 11 July 2005 15:48 |
Whats all this about, i got the quote's over the phone.
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it wasnt all aimed at u
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Location:
Sydney
Registered:
September 2003
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Location:
Tassie
Registered:
October 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 07:08
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I wouldn't drive an uninsured car past the end of my driveway.
what if you put somebody in hospital or paralize them ?
Also i knowa guy who had his uninsured car stolen.
It's your own stupid fault if your car is uninsured.
if you can't afford to insure it then you can't afford the car it's pretty simple yet so many ppl can't understand it.
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Location:
Campbelltown
Registered:
November 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 07:09
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it wasn't uninsured he just didn't have comprehensive insurance
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Location:
Sydney NSW
Registered:
July 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 07:15
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Another perk with shannons, is when it comes to modifications, they dont care what or how many, only that it is legal. And the cost is the same weather it has 1 mod or 100. (assuming same value for car)
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 07:26
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| cannonball wrote on Mon, 11 July 2005 17:15 |
Another perk with shannons, is when it comes to modifications, they dont care what or how many, only that it is legal. And the cost is the same weather it has 1 mod or 100. (assuming same value for car)
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Justcars is the opposite, they only care about how many mods you have not what they are, ie, 7mgte to 1jzgte conversion is counted as 1 mod, just like any other modification.
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I supported Toymods
Location:
Epping, Sydney
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 09:33
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another reason why shannons cranks.
they wouldn't like me if I told them my panels and interior trim are about the only standard items in the car.
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Location:
Toronto, Downtown
Registered:
September 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 10:25
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good write up. i couldnt be bothered reading all the replys so im sure some1 has allready mentioned it but you didnt say whether or not youve had any accidents
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Location:
brisbane
Registered:
December 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 10:31
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at just cars you can have as many mods as you want providin they are legal.. dont know what some of yous are on about. but they are tight arses when it comes to agreed value smeh so long as it dont get stolen im right the engine is all the car is worth. 500 bucks for a new shell and im laughing at just cars if you just have third party fire and theft like me u get to keep the car also its when you have full comp is when they take it.. or have to buy it back for stuff all what good is it to them
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Club Member
Location:
Sydney, NSW
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 10:33
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I'm with Shannons, pay basically nothing for my car with everything listed on full comp and yes, it's in my name...
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Location:
townsville NQLD
Registered:
February 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 11:08
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just get a steering lock and carry the ECU with you when u leave the car
when i get my 1g ra40 goin, im going to have the 22pin ECU plug so that i can unplug it and take it with me/hide it
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I supported Toymods
Location:
Epping, Sydney
Registered:
May 2002
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Re: Real Insurance Quote
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Mon, 11 July 2005 11:13
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that used to be my plan - take the ecu with me. now that I have a stereo, it's going to have to be a big fuckoff alarm unfortunately.
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Location:
Land of Oz
Registered:
June 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 11:22
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Hi,
As mentioned, Vigil does insure full imports.
My old girl has full comprehensive insurance with them for an agree value ($12.5k) for under $400 per annum. I get to keep the wreck, choose my own repairer and have 24/7 road assist and free towing (for some specified distance that I can't remember).
Of course, I've got full no-claim bonus and I'm an old fart, so that helps in the costs. Plus, the car is insured as a "sometimes driven" as opposed to "daily driver" vehicle. I'm gonna up the value to $15k soon, then try for $20k in a year or two. I estimate that's how much it'd cost me to get another RA25 in the same condition as mine.
I spoke to Shannons but I didn't like the sheila on the phone - so I went to Vigil.
seeyuzz
river
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Location:
townsville NQLD
Registered:
February 2004
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Re: Real Insurance Quote
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Mon, 11 July 2005 11:23
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| draven wrote on Mon, 11 July 2005 21:13 |
that used to be my plan - take the ecu with me. now that I have a stereo, it's going to have to be a big fuckoff alarm unfortunately.
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need a bigger handbag
or
a bigger pocket
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Mon, 11 July 2005 12:54
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| 4agte wrote on Mon, 11 July 2005 20:25 |
good write up. i couldnt be bothered reading all the replys so im sure some1 has allready mentioned it but you didnt say whether or not youve had any accidents
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No accidents, otherwise i would have said it, for not disclosing something like that, in the event of an accident they could refuse a claim.
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Location:
Tassie
Registered:
October 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 02:54
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berad is right !
with just carsi can do whatever i want to my car aslong as i tell them about it and it's legal.
I forgot to ad my licence is suspended and was suspended when i insured the car.
I was under the impression just cars were the only ppl who would insure forced induction car to a younger person.
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Location:
Campbelltown
Registered:
November 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 02:57
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no NRMA will insure you on pretty much everything bar a few improts they just charge thru the roof aka 12K per year for a soarer rofl 
Most of the others will insure you to you just have to ring up like comminsure, allianz etc and they assess your ful sicness over the phone and then decide whether to insure you.
Woot for being a boring accountant with a clean driving record no accidents etc i think i'll go well over the phone when it comes time to upgrade.
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 04:06
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| Corona RT142 wrote on Tue, 12 July 2005 12:57 |
no NRMA will insure you on pretty much everything bar a few improts they just charge thru the roof aka 12K per year for a soarer rofl
Most of the others will insure you to you just have to ring up like comminsure, allianz etc and they assess your ful sicness over the phone and then decide whether to insure you.
Woot for being a boring accountant with a clean driving record no accidents etc i think i'll go well over the phone when it comes time to upgrade.
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The area you live in can have an impact, ie. insuring anything modified in Bankstown.
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Location:
Campbelltown
Registered:
November 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 04:08
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they don't like my postcode either, mutters about having the same post code as minto ahhhhh.
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 08:50
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| Mookie wrote on Tue, 12 July 2005 12:54 |
berad is right !
with just carsi can do whatever i want to my car aslong as i tell them about it and it's legal....
....I forgot to ad my licence is suspended and was suspended when i insured the car.
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Your license suspension will come back to haunt you later on, specially if you have an accident, they can refuse your claim because of it.
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Location:
newcastle
Registered:
October 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 09:05
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i just bought a 91 soarer TT last week. went through just cars and got a %60 NCB cause of my perfect driving record
cost me just under 1700 for comprehensive (haha bad spelling!!!) which isnt to bad. thats for agreed value $11000 completly stock.
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Location:
Sydney
Registered:
September 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 09:11
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| crazymax wrote on Tue, 12 July 2005 19:05 |
i just bought a 91 soarer TT last week. went through just cars and got a %60 NCB cause of my perfect driving record
cost me just under 1700 for comprehensive (haha bad spelling!!!) which isnt to bad. thats for agreed value $11000 completly stock.
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what just under $1700, like 1690?.
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Location:
newcastle
Registered:
October 2003
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Re: Real Insurance Quote
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Tue, 12 July 2005 09:44
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ummmm..... more like 1656 or something.... cant remember exactly. thats living in newcastle though remember. not sure about sydney though i will soon find out as my girlfriend just got a job in sydo. so its moving time!!!!!!
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I supported Toymods
Location:
Australia
Registered:
November 2003
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Re: Real Insurance Quote
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Wed, 13 July 2005 06:33
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| brett_celicacoupe wrote on Mon, 11 July 2005 19:08 |
when i get my 1g ra40 goin, im going to have the 22pin ECU plug so that i can unplug it and take it with me/hide it
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And how does that stop them from backing a flatbed up to your car, dragging it on, and stripping it elsewhere?
Nothing will stop them from taking your car if they want it.
You just have to make your car look less wanted.
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Location:
Campbelltown
Registered:
November 2003
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Re: Real Insurance Quote
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Wed, 13 July 2005 06:41
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its an ra40 they are ugly as shit like my rona no-one wants to steal em. Don't worry just make sure your intercooler is painted black so they can't see it unless they really look and no-one will touch the darned thing.
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