COST OF INSURANCE

[Bernard Siong]

i'm 19
on my green Ps
only ever had 3rd party on my old car ($4000 laser..)
now i want to put full comprehensive on my astra and so far most companies are asking between $2500 to 3000 a year!
its a standard 1.8 astra CD not a sports car!

alot of you are under 25 and just wondering how much you guys pay for your insurance and where your getting it from also what area you from because apparently the prices change ALOT

[Mitch]

I'm 19 and on my green Ps. I have a 2001 Astra Equipe with exhaust and $1000 worth of stereo gear. It's all covered on insurance and I pay just under $1500 a year.

[Bernard Siong]

woah thats good
with who with who?
man if i can get it to that price i'm gonna b happy as
i was considering selling it and getting a cheap car just so i can put 3rd party on it again.

[Mitch]

NRMA. I know i can get cheaper insurance elsewhere but i'm happy where i am at the moment. I'll be changing when i get my new rims though.

Location has alot to do with price of insurance aswell. I live in Singleton, NSW where the chances of my car getting stolen are little to none, so that adds to why my insurance is cheaper.

[Bernard Siong]

yeh i forgot to mention
i live in green valley
its rare to even see a beemer here
no wonder
usually nrma are the most expensive compared to AAMI and GIO...

[Mitch]

Just Car Insurance are good if you've modified your car a fair bit.

[Anonymous]

u only see bimmers in green valley when they're in a police chase from cabra to dump it out in the bush :lol:..... i used to live in kemps creek ;)

[Bernard Siong]

u only see bimmers in green valley when they're in a police chase from cabra to dump it out in the bush

hahahhahaha

[opel_calibra]

bernard try young and cool

www.youngandcool.com.au they offer cheaper rates and less excess if you do a defensive driver training course

i just sent them a copy of my certificate for the course.. and i got $50 rebate straight away... excess down from $1400 to $400.. and jump from 40 to 60% NCB next year

[Bernard Siong]

thanks opel_calibra, i'll give them a buzz early 2moz morning

[PRC33Y]

Car: 2000 HBD Astra Hatch - 16" RIMS - Alpine Stereo System - Sports Suspension - Exhaust System - Blah Blah Blah -

With GIO Insurance Have a 60% No Claim Bonus, Pay $794 per year - $400 excess. Insured for 19K

[break]

I'm 20, I have a rating 1... and i'm insured through swann insurance.

I pay $560 a year, full comp. Unlimited mods (yes, unlimited... I could put a twin turbo V8 in there if by some chance it was legal), $15k agreed value. Also insured for wheels, stereo, and a few things which the car doesn't have anyway :P

[Bernard Siong]

560 a year
wat a bargain!

[NUTTTR]

$930/yr ins fully comp for astra SRi with 17" Turbo mags, grill, tail lights, tints, 3K worth of stereo, exhaust... that includes NCB protection and also i have had 1 at fault claim in may... (this year)....
NRMA quoted 1894 i think from memory!

[break]

560 a year
wat a bargain!Yeah... but it helps that my mate is the broker :P Its *normally* around the $800 mark for someone off the street for a similar level of insurance.

[Dee]

19 y.o FEMALE
2nd year of P's (dunno what colour that is....)
2003 SXi Corsa
full comp for $920/year
rating 5 i think....

i can put anything on it as long as its legal and my premuims dont go up :D

[woody]

Astra SRI 2.2 2003 Insured Fully Comp for $35,000 through AAMI, FULL NCB (lifetime protection) insured for both myself and my wife (she's been driving less than 2 years and is on green P's) cost - $784.00

[astro boy]

Thats pretty steep Bernard.
23, Astra turbo, comprehensive with RACV = under 1000

[slyone]

I am on my P's paying $690 Full for my 2002 Barina SRi

[Bernard Siong]

a turbo for under 1k is heaps cheap!


23, Astra turbo, comprehensive with RACV = under 1000


i dont know guys


$930/yr ins fully comp for astra SRi with 17" Turbo mags, grill, tail lights, tints, 3K worth of stereo, exhaust... that includes NCB protection and also i have had 1 at fault claim in may... (this year)....
NRMA quoted 1894 i think from memory!

nutter what insurance company are you with and what area you from?

[raymond]

$850 fully comp 98 vectra cd 18'by7.5 tint exhaust body kit grill
1200bucks stereo by nrma no 60% and no claims for 5yrs

[kirssn]

2004 astra sxi insured for 25k

i'm 23yrs old

premium is $794.00

[Bernard Siong]

raymond and kirssn
are u primary drivers?
what area u guys from and what company is this with?

[NUTTTR]

North suburbs of sydney...
AAMI :)

[kirssn]

penrith - aami

and yup i am the primary driver on the car...

i have my other half on there as well who has had a suspended license and god knows what other neg driving offenses...

[dan_kind]

21, No at fault, New 04 Beep Sri, $1500 contents (stezza), 60% No Claim (NRMA offered me this based on something or other), Insured for $26,000 $755/year.

[kirssn]

thats an excellent premium to have come out of NRMA.

[Skyrice]

All you Opel people consider you selves lucky.
I pay $2100 a year fully comp for a R33 96 Skyline, im 20 yrs old and that is considered a bargain.
So paying under a $1000 a yr is a distant dream for me :cry:
Oh well at leats it goes well as all the brissie people can testify.

[SSS_Hoon]

yeah even that 2100 is a dream for me and my car aint even turbo.

nrma western sydney
pulsar sss jap import
zorst, extractors, stezza
65% ncb
no claims ever
or fines in 2 yrs past

1940 a yr after ncb

insured for 11500 though.


SSS_Hoon

[Bernard Siong]

ok i think i'm just going to go with 'just car' n try n convince my parents to move out of green valley!
its 1900 which is about 1100 cheaper then i have been elsewhere.

[Jass]

$921 70% no claim bonus protected and hire car option included for my Astra T, insured for an agreed value price of $39,000.

[break]

Just an update:

I got my renewal form today.

Its $567 full comp, with a $350 excess of my car.

I'm 20, and I drive a '01 Corsa, agreed value including inlimited mods.

[GOZOFF]

:shock: Damm and i was complaining about the $560 I have to pay a year on my SRi don't know how you little young chickens put up with that :roll:

[CJB]

yeah I'm with aami too, it costs me at the moment $1482 for the full year on full comp... but I am on a rating six, and hopefully if I have NO MORE accidents I will move to a rating 5 next year, also, aami offer a 10% discount on premiums if you do a defensive driving course... but i was told that only applies if your parents are with aami on a lifetime rating one, which my mum is, so lucky for me.

I am told RACQ are the dearest for younger drivers. And does anyone agree that it is unfair to charge a higher premium for young males then young females? I am not trying to start a sexism debate... just wondering. I mean, I hear their reasons, but it seems a tad bit unfair for those male drivers who are good drivers.

[Mitch]

:shock: Damm and i was complaining about the $560 I have to pay a year on my SRi don't know how you little young chickens put up with that :roll:

I guess you gotta pay it if you want your car insured. :(

[bigbosh]

I paid $702 with AAMI.
Astra classic equip agreed value $21500, 750 excess.
24 yo male driver, thats with max no claim bonus.

[ecstasy]

i paid $650 For a brand new Astra AH with AAMI full comprehensive agreed value of 26000, 350 excess. I could have it lower but since my gf drive it sometimes the value went up (she is on her Ps). I've got rating one for life and i'm 27, :D

[1OPL2C]

04 Astra CD
NRMA $2100 car not under my name but insured with my name on it..(i'm d main driver)
i'm 17
all my money from working at woolies goes to insurance n petrol :x

[Kip]

hmmmm ok.. my 2 cents:

I'm 20, live in Melbourne, low risk suburb, clean record... I pay $2005 full comp per year for my Astra SRi Turbo (well, will be paying that when I pick it up in the next COUPLE OF DAYS!!!!!! :D :D :D :D :D :D )

hehehe, but yea, i thought that was very good for a P plater with a Turbo...

Although I dunno if Melbourne is different to other states..

oh also, it was thru Just Car Insurance...

Hope that's some help,

Chris 8)

[Bernard Siong]

i'm with just car too
only problem is they take their time to do anything if something happens to your car
in my first accident i already had the car back and they rang me up to tell me my car would be ready in 2 weeks and when i said i got it back they were like 'oh'.

[Alfonzo]

mmm I'm with AAMI.

'02 Manual Vec GL, aftermarket alloys, spoiler, rating 3 (whatever ncb that is, I forget), perfect history, something like $980/year.

Doesn't really worry me. When I hit rating 1 I've decided I'm going to look at an S15 200sx anyway, and I know that'll make the premium go through the roof again, lol.

The joys of owning a fun car, eh?