Insurance for me..??

turbotooslow · 06-08-2006, 02:24 PM

Hey guys, im looking into 99-04 GT, and wanted to know some ballpark insurance (or if you have experience that is even better). I'm 17, 18 in november, and have a clean record, no tickets or anything. What will insurance be for me if i purchase a 99-04 gt, and will it be a lot lower if i decided on pre 1999?

3V2000GT · 06-08-2006, 02:31 PM

depends if your under your parents or not, I got my mustang when i was 20 and i payed about 150 a month, but since i will be 21 soon it should be lower somewhere around 100

turbotooslow · 06-08-2006, 02:37 PM

thats pretty low for 20. well my dad drives a bonneville ssei right now, and i drive it as well and my insurance is under his name or account and what not. id assume it will stay that way, but the car will be under my name since i will be paying. i really want some muscle so all those honda bastards shouting about their vtech will shut up (sorry for the rice comment) - but the only thing holding me back is insurance costs that could be too high..

96TangerineBossGT · 06-08-2006, 02:45 PM

I am 21 with a 96 GT and mine is around $75 a month, full coverage. That is with a perfect driving record and having my own insurance since day 1. Hope that gives you an idea.

BTW, my insurance is with State Farm. Definitely do your research to find the best rates for you, based on the desired coverage. Each company will vary.

06-08-2006, 03:00 PM

check American Family Insurance.

i ay 145 for full coverage on an 04 gt and i have a pretty crappy driving record since i got the stang. lol.
then again, im 29, so i think that makes a big diff

Twin Turbo 330 · 06-08-2006, 03:21 PM

If you want to know the real numbers call around that's the only way to find out. Do you already have insurance? Call them up and ask it doesn't cost anything until you actually get it.

95STANG · 06-08-2006, 03:32 PM

$150 a whole year for me. Just liablilty on a 95 V6. But i did just get a speeding ticket. So maybe $160 a year.

Saleen S330 · 06-08-2006, 03:33 PM

That's true you do need to call around first. hopefully your not under your parents then they will see you as being never insured. or try to stay under your parents. A friend got insurance on his own, he's 21, they saw him as never insured and quoted 400 a month, clean driving record, for a 04 V6, i think he found a place for 250 a month. full coverage for me is 50 bucks a month but i'm 27. when i had my 95 GT and 03 lightning, i was 25 and paid about 150 a month full coverage. also i have tons of speeding tickets, how many count on my record, i'm not sure. speeding is bad...yeah. i would call around.

MattJ · 06-08-2006, 04:26 PM

50 a month to 300 a month depending on what kind of insurance you buy and how new the car is, if its a vert/gt/cobra/v6 and other factors.

Mossberg · 06-08-2006, 04:29 PM

Progressive.com, Geico.com, AmFam.com

Just do a quote. There is no such thing as a ballpark. Your rate will be different from what anyone else would pay due to variances in location, vehicle, credit, driving history, age, how long they've had insurance, etc. You can't rely on what any one else pays for insurance because it won't help you. You could live two streets over and have a rate that is double from your neighbors.

r3dn3ck · 06-08-2006, 04:45 PM

bingo... get a quote. Any ballpark number is going to be wrong. expect to pay a bloody fortune until you hit 26+ years old. Also it helps to live in a rural county with a low history of weather related damage.

Twin Turbo 330 · 06-08-2006, 04:49 PM

Or you can get married and have cheaper insurance but lesser mods to the stang cuz the wife wont let you. HAHA :bash:

dookie2365 · 06-08-2006, 06:32 PM

im under my dad and i pay 80$ a month for full coverage

cameltoe · 06-08-2006, 07:49 PM

If it's only in your name I'm going to guess about 230mo.

Rejekt · 06-08-2006, 08:45 PM

Your insurance is going to depend on your location also. Some insurance companies will not even insure vehicles in certain states. Being you're only 18 though, they're gonna hit you with the "inexperienced driver". I pay $160 for a 2002 Mustang GT (full coverage), 94 Mustang V6 (liability only) and a 2002 CBR 954RR. So it's not too bad for me, I'm 23.

NoKturnaL · 06-09-2006, 03:08 AM

the available insurances companies here in MAss rapes my ass....But then again..the speeding tickets I have recieved dont help any..:wallbash:

jjtgiants · 06-09-2006, 10:51 AM

[quote=Rejekt]Your insurance is going to depend on your location also. QUOTE]

I hate that about insurance companies....in Cali they do it by zip code....I moved from one zip code to another and my insurance went down $15 a month.....they should base it on age, experience and driving record ONLY. And yes car insurance is basically legal financial rape!

r3dn3ck · 06-09-2006, 10:57 AM

w00t! it's cheaper in Livermore than in Pleasanton and cheaper in Pleasanton than in Dublin. They're all the same damned town for God's sake. The only thing that makes them different is the spelling. You can stand in one and throw a rock and hit the others (from exactly 1 spot but still).

California insurance commissioners have long been on the payroll of the insurance lobby. State govt are the ones responsible for setting up regulations on how you can assign risk and they've been doing their level best to rape the common folk so they can line their pockets wtih laundered PAC money a-la Tom DeLay. Bunch of fukkin crooks. The insurance companies are too greedy to see that the most profit isn't always the most intelligent way of doing things. If they'd assign risk fairly, then more people would sign up for coverage above their needs and spend the extra few bucks willingly, instead of bitchin about it like me and you.

jjtgiants · 06-09-2006, 11:08 AM

Quote:

Originally Posted by r3dn3ck

w00t! it's cheaper in Livermore than in Pleasanton and cheaper in Pleasanton than in Dublin. They're all the same damned town for God's sake. The only thing that makes them different is the spelling. You can stand in one and throw a rock and hit the others (from exactly 1 spot but still).

California insurance commissioners have long been on the payroll of the insurance lobby. State govt are the ones responsible for setting up regulations on how you can assign risk.

Agree 1 beeeelion percent.

Isn't that just crazy....your totally right, they are all pretty much connected....When I moved from Hayward to Dublin my insurance went down $15 a month! Hell, I should have moved to Pleasanton instead. I heard the State Democratic nominee for Lt. Governor say if he is elected he will go after the insurance companies and try to eliminate the zip code thing.....but he was the freaking insurance commissioner and couldn't get it done so why could he get it done as Lt. Governor.

stage2roush2002 · 06-09-2006, 11:29 AM

Im 16 and I pay $180 for me.

r3dn3ck · 06-09-2006, 11:39 AM

Quote:

Originally Posted by jjtgiants

Isn't that just crazy....your totally right, they are all pretty much connected....When I moved from Hayward to Dublin my insurance went down $15 a month! Hell, I should have moved to Pleasanton instead. I heard the State Democratic nominee for Lt. Governor say if he is elected he will go after the insurance companies and try to eliminate the zip code thing.....but he was the freaking insurance commissioner and couldn't get it done so why could he get it done as Lt. Governor.

Bingo, and if you look at their public records of campaign finance you'll see that their campaigns are hugely funded by insurance companies and political action groups that are nothing but shells for the insurance lobby.

What we need is for someone that understands the insurance industry to make some enemies, piss off some of the electorate and actually get some reform made instead of hiding sweetheart deals in legal jargon and then codifying it.

If we can get a candidate with support from SEMA and the motorsports industry, we'll have someone with a vested interest in making insurance actually insure against loss rather then ensuring loss to the consumer. Such a candidate would be the target of huge misinformation and smear campaigns by the insurance lobby but would almost certainly have wide public support and would be able to be elected. Who's with me? Let's start a 50 state revolt against insurance industry mis-deeds and price gouging.

lizardbreath · 06-09-2006, 12:56 PM

I envy you guys...I pay 2000 a year for mine...but I am 20 and male and live in california.

turbotooslow · 06-09-2006, 02:26 PM

Quote:

Originally Posted by stage2roush2002

Im 16 and I pay $180 for me.

what do you drive? are you under your parents insurance or your own?

00PerfRedGT · 06-09-2006, 02:52 PM

The way i see it is all of you are lucky because i pay 3200 a year. im 18 with a red mustang gt, tickets, etc.

jjtgiants · 06-09-2006, 03:16 PM

Quote:

Originally Posted by r3dn3ck

Bingo, and if you look at their public records of campaign finance you'll see that their campaigns are hugely funded by insurance companies and political action groups that are nothing but shells for the insurance lobby.

What we need is for someone that understands the insurance industry to make some enemies, piss off some of the electorate and actually get some reform made instead of hiding sweetheart deals in legal jargon and then codifying it.

If we can get a candidate with support from SEMA and the motorsports industry, we'll have someone with a vested interest in making insurance actually insure against loss rather then ensuring loss to the consumer. Such a candidate would be the target of huge misinformation and smear campaigns by the insurance lobby but would almost certainly have wide public support and would be able to be elected. Who's with me? Let's start a 50 state revolt against insurance industry mis-deeds and price gouging.

I'm with you man! After we take care of the car insurance industry it might send a message to the healthcare industry that they are next on the list! ha ha

turbotooslow · 06-09-2006, 03:17 PM

Quote:

Originally Posted by jjtgiants

I'm with you man! After we take care of the car insurance industry it might send a message to the healthcare industry that they are next on the list! ha ha

06-08-2006, 02:24 PM	#1 (permalink)
turbotooslow Member Join Date: Jun 2006 Posts: 49	Insurance for me..?? Hey guys, im looking into 99-04 GT, and wanted to know some ballpark insurance (or if you have experience that is even better). I'm 17, 18 in november, and have a clean record, no tickets or anything. What will insurance be for me if i purchase a 99-04 gt, and will it be a lot lower if i decided on pre 1999?

06-08-2006, 02:31 PM	#2 (permalink)
3V2000GT 46MONSTER Join Date: Jan 2006 Location: Wheaton, IL Posts: 2,209	depends if your under your parents or not, I got my mustang when i was 20 and i payed about 150 a month, but since i will be 21 soon it should be lower somewhere around 100 __________________ 2000 GT Black on Tan, TKO 600: 370rwhp 370rwtq NA Built 3v 2004 Honda CBR 600 F4i Black/Red 2000 SVT Lightning Silver i love jinny!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!! lucky is awesome!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

06-08-2006, 02:45 PM	#4 (permalink)
96TangerineBossGT Senior Member Join Date: Aug 2005 Location: Charlotte, NC Posts: 443	I am 21 with a 96 GT and mine is around $75 a month, full coverage. That is with a perfect driving record and having my own insurance since day 1. Hope that gives you an idea. BTW, my insurance is with State Farm. Definitely do your research to find the best rates for you, based on the desired coverage. Each company will vary. __________________ 96 GT Mods: VT Stage IIs, Stage 2.5 Ported PI heads from New Kid Cylinder Head in Kansas City, PI Intake, BBK Plenum, BBK 75mm Throttlebody, BBK Fenderwell Cold-Air, 3.55s, Steeda Tri-Ax, SCT PRP Tune, FRPP Shorties, BBK Off-Road H, Flowmaster Catback, Steeda Adj./Quad., 180* tstat, Fidanza Aluminum Flywheel, McLeod performance clutch

06-08-2006, 03:21 PM	#6 (permalink)
Twin Turbo 330 Senior Member Join Date: Mar 2006 Location: Sumter, SC Posts: 393	If you want to know the real numbers call around that's the only way to find out. Do you already have insurance? Call them up and ask it doesn't cost anything until you actually get it. __________________ 03 Sonic Blue GT (SOLD) Working on an 87' Notch now!

06-08-2006, 03:32 PM	#7 (permalink)
95STANG In heven there is no beer Join Date: Sep 2005 Location: Burlington, Iowa Posts: 857	$150 a whole year for me. Just liablilty on a 95 V6. But i did just get a speeding ticket. So maybe $160 a year. __________________ 1995 Laser Red Mustang V6 Performance= K&N, TB Spacer, True Dual 40s

06-08-2006, 02:37 PM	#3 (permalink)
turbotooslow Member Join Date: Jun 2006 Posts: 49	thats pretty low for 20. well my dad drives a bonneville ssei right now, and i drive it as well and my insurance is under his name or account and what not. id assume it will stay that way, but the car will be under my name since i will be paying. i really want some muscle so all those honda bastards shouting about their vtech will shut up (sorry for the rice comment) - but the only thing holding me back is insurance costs that could be too high..

06-08-2006, 03:00 PM	#5 (permalink)
Jack The Ripper Posts: n/a	check American Family Insurance. i ay 145 for full coverage on an 04 gt and i have a pretty crappy driving record since i got the stang. lol. then again, im 29, so i think that makes a big diff

06-08-2006, 03:33 PM	#8 (permalink)
Saleen S330 Banned Join Date: Jan 2006 Location: Sumter, SC Posts: 900	That's true you do need to call around first. hopefully your not under your parents then they will see you as being never insured. or try to stay under your parents. A friend got insurance on his own, he's 21, they saw him as never insured and quoted 400 a month, clean driving record, for a 04 V6, i think he found a place for 250 a month. full coverage for me is 50 bucks a month but i'm 27. when i had my 95 GT and 03 lightning, i was 25 and paid about 150 a month full coverage. also i have tons of speeding tickets, how many count on my record, i'm not sure. speeding is bad...yeah. i would call around.

06-08-2006, 04:26 PM	#9 (permalink)
MattJ Senior Member Join Date: Dec 2004 Location: Racine, WI Posts: 10,243	50 a month to 300 a month depending on what kind of insurance you buy and how new the car is, if its a vert/gt/cobra/v6 and other factors. __________________ 2001 Mustang GT Premium - Mineral Grey

06-08-2006, 04:29 PM	#10 (permalink)
Mossberg Insert Creative CT here Join Date: Nov 2005 Location: Lawrenceville, GA Posts: 301	Progressive.com, Geico.com, AmFam.com Just do a quote. There is no such thing as a ballpark. Your rate will be different from what anyone else would pay due to variances in location, vehicle, credit, driving history, age, how long they've had insurance, etc. You can't rely on what any one else pays for insurance because it won't help you. You could live two streets over and have a rate that is double from your neighbors. __________________ 2002 Mineral Grey GT 5 speed FRPP 4.10 gears, Moser 31 Spline Axles, Super 40 Flowmasters, Mac O/R Pro-Chamber, Modular Powerhouse Tune Daily Driver: 2000 Toreador Red Ford Contour SE Sport V6 5 speed, SVT Dual Exhaust

06-08-2006, 04:45 PM	#11 (permalink)
r3dn3ck Wowbagger hates me too! Join Date: Nov 2005 Location: Magrathea/California Posts: 7,008	bingo... get a quote. Any ballpark number is going to be wrong. expect to pay a bloody fortune until you hit 26+ years old. Also it helps to live in a rural county with a low history of weather related damage.

06-08-2006, 04:49 PM	#12 (permalink)
Twin Turbo 330 Senior Member Join Date: Mar 2006 Location: Sumter, SC Posts: 393	Or you can get married and have cheaper insurance but lesser mods to the stang cuz the wife wont let you. HAHA :bash: __________________ 03 Sonic Blue GT (SOLD) Working on an 87' Notch now!

06-08-2006, 06:32 PM	#13 (permalink)
dookie2365 has no legs Join Date: Apr 2006 Posts: 472	im under my dad and i pay 80$ a month for full coverage

06-08-2006, 07:49 PM	#14 (permalink)
cameltoe Senior Member Join Date: May 2006 Location: Sherman, Texas Posts: 110	If it's only in your name I'm going to guess about 230mo. __________________ Mods Steeda Tri-Ax BBK Cold Air 70mm BBK Throttle Body BBK UnderDrive Pulleys FRPP 3.73 Gears Eibach Sportline lowering spring Black Bullitt Wheels Raptor Performance Shift Light SCT XCalibrator 2 Tuner Coming Soon Maybe NOS

06-08-2006, 08:45 PM	#15 (permalink)
Rejekt Banned Forever Join Date: Nov 2005 Location: Raleigh, NC Posts: 756	Your insurance is going to depend on your location also. Some insurance companies will not even insure vehicles in certain states. Being you're only 18 though, they're gonna hit you with the "inexperienced driver". I pay $160 for a 2002 Mustang GT (full coverage), 94 Mustang V6 (liability only) and a 2002 CBR 954RR. So it's not too bad for me, I'm 23. __________________ 2002 Mineral Grey Mustang GT - Mods - K&N FIPK, SLP Loudmouth Catback, Roush Stage 3 front fascia, Front - 18x9 Rear -18x10 Deep dish black bullitts, Bullitt gas cap, Mach 1000, Grill delete, H&R Super Sport Springs, Maximum Motorsports 4 bolt caster / camber plates. Soon to come - 3.90's

06-09-2006, 03:08 AM	#16 (permalink)
NoKturnaL MustangTuning 5-oh Join Date: Dec 2004 Location: Peabody, MA Posts: 1,950	the available insurances companies here in MAss rapes my ass....But then again..the speeding tickets I have recieved dont help any..:wallbash: __________________ 2002 Mustang GT Coupe 5-Speed Performance K&N Intake Accufab upper Intake Plenum Accufab 70mm Throttle Body Steeda Pullies SCT 4-Bank Chip Dyno Tuned Mac H-pipe Flowmaster Cat-Back Steeda Shifter Centerforce Clutch SLP-Line-Lock And more upgrades visually

06-09-2006, 10:51 AM	#17 (permalink)
jjtgiants jjtgiants Join Date: Jan 2005 Location: Dublin, CA Posts: 3,759	[quote=Rejekt]Your insurance is going to depend on your location also. QUOTE] I hate that about insurance companies....in Cali they do it by zip code....I moved from one zip code to another and my insurance went down $15 a month.....they should base it on age, experience and driving record ONLY. And yes car insurance is basically legal financial rape!

06-09-2006, 10:57 AM	#18 (permalink)
r3dn3ck Wowbagger hates me too! Join Date: Nov 2005 Location: Magrathea/California Posts: 7,008	w00t! it's cheaper in Livermore than in Pleasanton and cheaper in Pleasanton than in Dublin. They're all the same damned town for God's sake. The only thing that makes them different is the spelling. You can stand in one and throw a rock and hit the others (from exactly 1 spot but still). California insurance commissioners have long been on the payroll of the insurance lobby. State govt are the ones responsible for setting up regulations on how you can assign risk and they've been doing their level best to rape the common folk so they can line their pockets wtih laundered PAC money a-la Tom DeLay. Bunch of fukkin crooks. The insurance companies are too greedy to see that the most profit isn't always the most intelligent way of doing things. If they'd assign risk fairly, then more people would sign up for coverage above their needs and spend the extra few bucks willingly, instead of bitchin about it like me and you.

06-09-2006, 11:29 AM	#20 (permalink)
stage2roush2002 Roush #6147 Join Date: Mar 2006 Location: Dallas, Tx Posts: 476	Im 16 and I pay $180 for me.

06-09-2006, 12:56 PM	#22 (permalink)
lizardbreath Banned Join Date: Jan 2006 Posts: 216	I envy you guys...I pay 2000 a year for mine...but I am 20 and male and live in california.

06-09-2006, 02:52 PM	#24 (permalink)
00PerfRedGT Its good to be blown... Join Date: Mar 2006 Location: Jacksonville, Florida Posts: 180	The way i see it is all of you are lucky because i pay 3200 a year. im 18 with a red mustang gt, tickets, etc. __________________ 2000 Boss Shinoda Lv.1 Performance Red w/ Tan Leather #00-01 Wynjammer Supercharger, SCT, MAC O/R H, MAC SS CB, B&M shifter, Hotchkis C/Cs, Tokico shocks & struts, Hotchkis 2" drop, Chrome FR500s 18x9 & 18x10, 255/40/18 & 285/40/18 Michelin Pilots, Smoked Headlights w/ 8000k, Smoked Foglights w/ 8000k, 5% Tint, Blackout tails, Honeycomb Panel, UPR Interior Billet, GT Hood & Side Scoops, Audiobahn system, Royal Purple Synthetics, Steeda Oil Seperator, Spec Stage 3, Spec Aluminum Flywheel