20 yr old what insurance for ss?

[Mulisha]

hi guys

I just put down a deposit on a VX SS with 390rwhp and i can only seem to find that just cars will insure me but have $2.5K excess ??

Any others i can look at?

Thanks

Rick.

[MY04SS]

Hey there, when i bought my ss i didnt have to many options as the dealership had lined up a few and this year i paid $3200 and my excess is about $700, next year i can look before i choose so im definatly looking around i suggest you do too, let me knw if you find anything better.

[SLY 57L]

part of the joys of being under 25 and owning a REAL car.. tried NRMA?

[Y55-7UT]

dont waste your time trying others.
Just car for me last year was $3080
for a vy ss ute
for mags, hard cover, exhaust
now this year is $2000
for hardcover, exhaust, extractors, lowered
so helped with the extra year since being with them and they also do pay by month now which helps....sort of

and to note a also have lost my license in the past so that wouldnt of helped prices

[BLAZEY]

last year when i got my thunder ss i was 20

with just car was 2 grand and this year droped down to 1,400

[GMMAD]

hi guys

I just put down a deposit on a VX SS with 390rwhp and i can only seem to find that just cars will insure me but have $2.5K excess ??

Any others i can look at?

Thanks

Rick.
you getting the black beast hay
was speaking to steve today about it
got yourself a good deal there mate
good luck with the insurance:lmao::lmao:

[Chris350]

Mine is 1500 a year with SGIO... includes losing my license twice. And a write off too which they paid out (old VY SS). it was 900 but jumped up after the claim.. i thought they wouldnt look at me again. who knows how they work. i must be a lucky one..:confused:

[MY04SS]

chris who is the company! far out makes me wish i bought privately sometimes, i have a mate with a gto coupe with a few things done and he is now paying 1600 he is over 25 but i thought that was a bargin! good stuff chris

[Mad4Monaros]

Damn you guys are getting some expensives prices for insurance. My first year of insurance with a VY S Supercharged was $2,400. Then the year after was $1,900. The year after that was $1,600. Then I bought the Monaro which I had to add another $300 on top for the insurance. So this year was $1,900 for the Monaro. Hopefully my next on will go down to atleast $1,500.

[Chris350]

chris who is the company! far out makes me wish i bought privately sometimes, i have a mate with a gto coupe with a few things done and he is now paying 1600 he is over 25 but i thought that was a bargin! good stuff chris
Yeah i bought both my utes privately and just rang SGIO insurance up and told them the modifications.. Except the cam of course (on the current one) but i cant see that being a prob.. When i wrote the old ute off, the claim was alot easier than i thought too. It was insured for an agreed 27k but i only bought it for 24k so i had a win there u could say. Had it for 8 months or so before the accident.

[DR-vyss-108]

im was 18 wen i got my vyII ss insured through just cars and it was only $1700, had a AU v8 falcon ute that cost me 1600 through just cars when i was 17, why is everyones so much higher than mine?

[Mad4Monaros]

im was 18 wen i got my vyII ss insured through just cars and it was only $1700, had a AU v8 falcon ute that cost me 1600 through just cars when i was 17, why is everyones so much higher than mine?



I guess it has to do with what are you live in.

[DR-vyss-108]

i guess so, wouldnt of expected that though lol

[throttlehappy]

$670 for mine with the flexi premium though mind you, would of cost me just over $1100 without

[Cainer]

Um from memory...
NRMA
19 - Rating 5 New VY SS, Manual 6 with leather SS. Exhaust, Extractors, Induction ( i didn't include diff, retune) was $2,200

Although that was a few years ago..

[jay_88]

i put mine through RAC under my dads name and said im a 10% driver and ended up gettin it for $900 a year.

[Mulisha]

Thanks everyone for ya input i may have to look at putting it under my parents name or something hmmm.. Because this car has a few mods compared to normal :)




you getting the black beast hay
was speaking to steve today about it
got yourself a good deal there mate
good luck with the insurance:lmao::lmao:

HAHA thanks mate LOL I just put a deposit on it pick it up on Friday :smilesandbanana::smilesandbanana:

[throttlehappy]

i called shannons and they quoted $1700

[Mad4Monaros]

When I had the VY, I tried putting it in my parents name and me as a second driver through AAMI (My parents where with them already) and they wouldn't have a bar of it.

The insurance had to go through the youngest driver who would use the car. No matter how much or how little they used it.

I thought this was with all insurance companies now to stop younger people buying expensive/hotted up cars and getting cheaper insurance by putting it in their parents name....

[daVEss]

i'm with AAMI, 1300 a year, 1750 excess, but my car is stock and a registered as company car( still in my name tho)

[RyanIAm]

Famous Insurance, 2000$ premium for me, 21 year old in VE SS ute, 500$ excess.

[throttlehappy]

Famous Insurance, 2000$ premium for me, 21 year old in VE SS ute, 500$ excess.

that would be std excess, then add the rest...age etc

[S2VYSS]

I cant speak highly enough of shannons, I would recommend calling them

[DR-vyss-108]

shannons wont touch anyone after 25, tried that one before

[Bravotwozero]

I call BS on on what most people here are quoting.

The fact that most of you are quoting well below realistic premiums for your age suggests you have no idea what you should be paying because you probably don't have insurance.

Premiums for a 20 year old with a clean driving record living in a Melbourne suburb would be somewhere in the vicinity of $3,600. (For an 03 series 1 VY SS insured for $25000, no mods.)

Alternatively, an 08 VE SSV would be around $4,200 for the same driver. Not much difference between ute or sedan.

What some of you have quoted is what you'd be paying if you were driving a late model 4 banger hatch such as an Holden Astra, Mazda 3, Ford Focus etc etc. And if you're flouting the power restriction laws you're en even bigger fool!!

Please note that this isn't aimed at any one person but more with a general over-view of all the repsonses posted thus far.

Flame away! :booty:

[MY04SS]

Mate no flaming here you have made me feel good about what I am currently paying, i was seriously considering getting mine cancelled and seeing if reimbursement was possible, but now i may leave it till next year and get a few quotes.. for those who are telling the truth and are getting it so cheap well done!

[fletch86]

well i am almost 22 have a vy ss ser 1 ute m6 with full exhaust, lowered, clutch, mags agreed value of 29 000 with just cars and my premium is about 1300 and thats for monthly payments. excess is the standard for just cars about 2000 i think once you add it all up, i am also up to rating one now i think. everyone who says call shannons is talkn rubbish as i did and they went through 20 mins of crap and then said they could not insure me! bloody waste of time.

[michaels1v8]

I call BS on on what most people here are quoting.

Flame away! :booty:


No offence but most here arent from Melbourne and have done the research to find the CHEAPEST quote possible.

How can you say it should be 3000+ have you rang every insurer in Australia and done phoney quotes for a 20 year old?

I paid $3200 last year for my VX with RAC and a $950 excess.

Being 18 with a VX SS.

Should come done to $2400 with my no claim bonus this year according to my most recent renewal form and I will be 19.

Mine could be cheaper (did a online quote with Just cars and it was around $700 cheaper) but I have my reasons for RAC.

IMO you should expect slightly less than that seeing as your 20 (more road experience) with a similar valued car (mine is agreed value for $22000)

Unless of course you have a bad driving history:1peek:

[L-iam]

VY 2 ute.

manual, exuast, aftermarket same sized wheels (18s) , aftermarket stereo

agreed value of 28 700
premium, 1800
excess, 900 when i was 21, dropped to 500 now im 22.

insured with AAMI

[Bravotwozero]

No offence but most here arent from Melbourne and have done the research to find the CHEAPEST quote possible.

How can you say it should be 3000+ have you rang every insurer in Australia and done phoney quotes for a 20 year old?

I paid $3200 last year for my VX with RAC and a $950 excess.

Being 18 with a VX SS.

Should come done to $2400 with my no claim bonus this year according to my most recent renewal form and I will be 19.

Mine could be cheaper (did a online quote with Just cars and it was around $700 cheaper) but I have my reasons for RAC.

IMO you should expect slightly less than that seeing as your 20 (more road experience) with a similar valued car (mine is agreed value for $22000)

Unless of course you have a bad driving history:1peek:

Actually I'm 31 so it is a lot less! :rofl:
Michael this post was actually aimed more specifically than I suggested. I won't say any more than that. :)

$3200 is more reasonable imo and yes it does drop dramatically over the first few years provided you stay out of trouble. I was on P plates once. I was paying more at 20 for a late model 4 cylinder than half the guys are claiming for a V8.

I'm still sticking to my original comments, but if someone can prove me wrong, I'll happily eat humble pie.

[yella terra]

For the VY a touch over 2K per year, $700 excess.

All mods covered. From wheels up. Including all engine components. Unlimited mods too.

For the VZ, 1400 odd, same excess. Stock.

Shannons.

[michaels1v8]

Actually I'm 31 so it is a lot less! :rofl:
Michael this post was actually aimed more specifically than I suggested. I won't say any more than that. :)

Haha I was answering to the thread starter there about being 20.

Fair enough mate. Some might seem really cheap but with insurance companies its just luck of the draw sometimes. Sometimes you can call up and get quoted $3300. Hang up. Give a different operator the same details and end up with $1500. :confused:

[DR-vyss-108]

for the guy calling BS, make up ur own qoute on just cars web site, maybe it is because i live in alice, i am DEFINATLY insured and it cost me $1700 for my vyII ss covered for mods

[Mad4Monaros]

Actually I'm 31 so it is a lot less! :rofl:
Michael this post was actually aimed more specifically than I suggested. I won't say any more than that. :)

$3200 is more reasonable imo and yes it does drop dramatically over the first few years provided you stay out of trouble. I was on P plates once. I was paying more at 20 for a late model 4 cylinder than half the guys are claiming for a V8.

I'm still sticking to my original comments, but if someone can prove me wrong, I'll happily eat humble pie.

Mate not having a go here, but times have changed since you were on P's. I'm pretty sure most people on here have been spot on with prices. Just to show you that mine was pretty accurate I've got out all my old insurance papers.

Rating 6 - 2002 Holden Commodore S VY (Supercharged)

Premium: $2,367 (Just Cars)

Purchase Price: $23,000

Agreed Value: $23,000

Standard Excess: $450

Drivers under 22 excess: $400

Rating 5 - 2002 Holden Commodore S VY (Supercharged)

Agreed Value: $20,100

Premium: $1887 (Just Cars)

Excesses: Same as above

Rating 4 - 2004 Holden Monaro CV8 2D Coupe V8 Man

Purchase Price: $46,460

Agreed Value: $45,600

Premium: $1968 (just cars)

Excess: $500

Plus Vehicle ecess: $1,000

Up to $20 million in third party property damage.

My VY only had 19 inch rims on it and was lowered. The Monaro is stock as a rock.

So there you have it. I'm pretty sure everyone elses prices are pretty spot on.

[jay_88]

When I had the VY, I tried putting it in my parents name and me as a second driver through AAMI (My parents where with them already) and they wouldn't have a bar of it.

The insurance had to go through the youngest driver who would use the car. No matter how much or how little they used it.

I thought this was with all insurance companies now to stop younger people buying expensive/hotted up cars and getting cheaper insurance by putting it in their parents name....

This is not true as i have done it and agian on my old car,think of it this way you have to drop your parents car of for a service and u write the car off,i dont think anyone is gona pay and extra $1500 for there son to drive there car once in a blue moon.

[DR-vyss-108]

forgot to mention, if you have a loan it makes it more, mine might be only $1700 coz i fully own the car, dont know how much of a difference it makes to the cost though, and with just car im pretty sure the mods only make the premium $100 extra

[jay_88]

seems like the insurance is cheaper for all of us out here in the west.

[Wonky]

Yeah i bought both my utes privately and just rang SGIO insurance up and told them the modifications.. Except the cam of course (on the current one) but i cant see that being a prob..

You are potentially taking a huge risk there as most of the bigger standard insurance companies, I'm guessing SGIO included, won't want to know you if you've opened the motor. That's what places like Just Car Insurance are for. If you have to make a claim and they find out (hear) it's got a cam in it they'll probably say bye bye as you have not fulfilled your duty of disclosure.


im was 18 wen i got my vyII ss insured through just cars and it was only $1700, had a AU v8 falcon ute that cost me 1600 through just cars when i was 17, why is everyones so much higher than mine?

After your car type your location makes a significant difference to the amount you pay for insurance. Out in the middle of nowhere like Alice will be much cheaper than for example Melbourne or Sydney. Just try going to one of the sites that does online quotes and try difference postcodes eg Melbourne 3000 or Sydney 2000 compared to whatever Alice's is - I'm sure you'll find a big difference.

[hally]

My utes insured with Westfarmers Insurance, they hit me $2050 for it at the moment and I have a $400 or $500 excess.

Used to be $1400 until I had a bit of a stack in it, whoops haha.

[Desertws6]

hi guys

I just put down a deposit on a VX SS with 390rwhp and i can only seem to find that just cars will insure me but have $2.5K excess ??

Any others i can look at?

Thanks

Rick.

I don't know how the Aussie insurance works. But sounds very expensive.

I can offer some wisdom:
Insurance companies look at 3 things here.
1. Driving Record, check for accidents and tickets.
2. Number of years experience behind the wheel.
3. Credit history, payment history with credit. Pay bills ontime!

Tip: Be careful, don't show off for the mates. Cops look for this! If you drive down the road and act like every car is a cop car. Less likely to do foolish stuff.
Want to drive fast? We all do, save it for the strip or track. Tough thing to do!!
Time and place for everything, please be wise about it.

The last ticket that I received was in June 1990 for 10mph over the limit. WTF doing 65mph in a 55zone in the middle of nowhere.
My 02 WS6 T/A and my 67 Firebird convertible on a Classic Auto policy with agreed value totaling $80,000us costs $600us/yr. (Cars not used everyday, nor used for general transportation)

Once you have more experience and clear history, try shopping around. Insurance companies will want your business. And offer the best prices to be had. Price around at every policy renewal!!

My 2 cents worth!:soap:

Cheers,
Steve

[Hammer]

ive just changed from suncorp to shannons as of yesterday. they seem good

35,000 covered (for my car) all mods covered , my wife is listed as a driver on the policy, $500 excess (no more for my wife even know she is 3 yrs younger) all for $1088.xx a month and great service ...

[Desertws6]

ive just changed from suncorp to shannons as of yesterday. they seem good

35,000 covered (for my car) all mods covered , my wife is listed as a driver on the policy, $500 excess (no more for my wife even know she is 3 yrs younger) all for $1088.xx a month and great service ...

Fook me and color me blue......$1088.00/month thats a house payment!

,Steve:shock::shock::shock:

[S2VYSS]

shannons wont touch anyone after 25, tried that one before

After or under? I had no problems with them giving me insurance on my SS and I was 23. You need to be a car enthuist (spelling) to get insurance

[macca33]

Fook me and color me blue......$1088.00/month thats a house payment!

,Steve:shock::shock::shock:

Hahaha, I reckon Hammer may have been hammered when he wrote per month Steve. I would imagine that it is per annum and is a decent amount for the mods he has - twin turbo, etc...

Cheers,

Macca

[GMMAD]

ive just changed from suncorp to shannons as of yesterday. they seem good

35,000 covered (for my car) all mods covered , my wife is listed as a driver on the policy, $500 excess (no more for my wife even know she is 3 yrs younger) all for $1088.xx a month and great service ...
$13.056 a year i would look else where:rofl:

[KPWISHN]

i put mine through RAC under my dads name and said im a 10% driver and ended up gettin it for $900 a year.

:eek: Awesome deal there. Cookin' the books. Love it.

When I was 21 I started payind $4500 a year or something for my VU SS. It was my first car I had insured. F$$$ing dealers. They told me it was because I was under 25 and that the unrestricted speed limit in the NT pushed it up big time. I was getting shafted big time. That was before I found this place and got some good advice. Can't believe I was so stupid. Live and learn.


For the VY a touch over 2K per year, $700 excess.

All mods covered. From wheels up. Including all engine components. Unlimited mods too.

For the VZ, 1400 odd, same excess. Stock.

Shannons.

Very similar to my cover. Agreed value too. Which is definitelty need with a car you've spent a lot of hard earned on.

Best thing about Shannons is that they do pay by the month at no extra cost. I have both my cars covered with them and my house and contents.

Got a hard car. Shannons FTW.

[Crusty]

I'm with Shannons, $91.77/month for $38k agreed value with all mods including cam covered no problems, I think I'm lucky as I don't live in a big city the premiums seem a bit lower.

[Desertws6]

Hahaha, I reckon Hammer may have been hammered when he wrote per month Steve. I would imagine that it is per annum and is a decent amount for the mods he has - twin turbo, etc...

Cheers,

Macca

Thanks Macca,
I appreciate the clarification, almost fell outta my chair. Much more reasonable price. Standard car insurance rates here for 3 Vehicles used for transportation, 05 Pontiac Grand Prix V6, 07 Honda CR-V (Wifes car, no balls, her problem, I suggested a Dodge Charger R/T, same price), 78 Chevy p/u 4X2, 02 Hyundai 4-door (Kid's car, but has no desire to get license?? don't ask, her kid) $1980+-/year. It's called full coverage here, $250deductable for Comp(Stolen/fire etc.) and collision. The 67 Firebird and the 02 WS6 T/A are separate policy different company @ $600 agreed value of $80,000 both (Collector car insurance) The street bike is a 97 Honda Magna, basic coverage no collison, just theft/fire etc.(separate policy) $120/ yr. total is $2,700/ year total for 7 vehicles. No tickets/No accidents/ Great Credit report

,Steve :1peek:

[Mad4Monaros]

This is not true as i have done it and agian on my old car,think of it this way you have to drop your parents car of for a service and u write the car off,i dont think anyone is gona pay and extra $1500 for there son to drive there car once in a blue moon.


I love how you can jump to the conclusion that it's not true when you don't know anything about it. It might be different in Perth, But I did have my mother ring up to insure the car in my parents name with me as the secondary driver. They wouldn't have a bar of it. Didn't matter if I only drove the car once in a blue moon it had to go under my name. This was with AAMI.

[nick1980]

your gonna be high risk to any insurance company mate at your age with a powerful V8 just do some decent research and get the most for the small fortune your about to fork out for insurance :vpo:

[jay_88]

I love how you can jump to the conclusion that it's not true when you don't know anything about it. It might be different in Perth, But I did have my mother ring up to insure the car in my parents name with me as the secondary driver. They wouldn't have a bar of it. Didn't matter if I only drove the car once in a blue moon it had to go under my name. This was with AAMI.

Of course there is gona be some insurance campany's that wont allow it,thats why you look around.

[Mad4Monaros]

Of course there is gona be some insurance campany's that wont allow it,thats why you look around.



Yeah, which is what I did. But in the end, I wanted the insurance in my name and I wanted my rating to improve. You are going to have to pay higher insurance fee's sooner or later.

There isn't alot of insurance companys that want to insure an 18-21 y.o with a V8/Turbo car. And they ones that do charge an arm and a leg for it.

[Mulisha]

Well i got a proper quote off Just Cars..

$1,859 a year

Standard Excess - $400
Theft Excess - $100
Excess - $2,400
Sound System Excess - $400

HMM fark me that's alot..

I might try Shannon's tomorrow and see what they say just hope they don't say what NRMA said about if you have a CAM..

Also will try Famous Insurance.

Thanks alot

Rick.

[Super_Matt]

this prob wont count but anyway...

paying around $800.00 full replacement in the first 2 yrs, exhaust, 20" wheels and lowered.
i think the excess is around $1000 though.
Through the insurance broker at work, family business so the more vehicles the better deal we get.

On my previous car
2003 Mazda 323 i was paying around $1400 through NRMA.

[RyanIAm]

that would be std excess, then add the rest...age etc

No age excess. No vehicle excess. That's why i went with them.

[throttlehappy]

No age excess. No vehicle excess. That's why i went with them.

must be getting a good deal then
my excess is emormous because of the flexi premium through just car

[KPWISHN]

I might try Shannon's tomorrow and see what they say just hope they don't say what NRMA said about if you have a CAM..


Shannons will not be too phased by any mods you have but will be more interested to see if your a motoring enthusiast. The main questions I was asked is What clubs are you a member of ? and How many shows/Events do you attend?

They also don't insure people under 25 but will if they deem you an enthusiast. It all comes down to the phone call or where you get a quote from. My original quote for my VX was while it was entered in a car show.

[smacx]

I am 24 and on my p's. I pay 750 a year for my VE SS

I shopped around, look at a lot of the smaller insurance places then used there good quotes with the larger companies to get a good price. I am with SGIO

[Alister]

I'm with Just Car - no one else would touch me when I was 18 with a VX Calais 5.7L. First year (at fault accident in 05) 06 was $1715 and 07 was about $1300 so hopefully i'll see under $1000 this year. Location plays a big part but i'm surprised too as i'm in a bit of a dodgy suburb (Bald Hills) but on the border of Carseldine or Bracken Ridge. Did the quote using those suburbs and they were less.

[Panelman]

Are you in the ADF?

Panelman