Im gettin my G1 soon, and while i have that im going to look for a car when im around 17. Im goign to modify it exteriorly, probably like ricing most likely lol. But i was wonderining, what are the best insurance companies that arent very expensive that will take you if you modify your car, but not the engine. Im probably going to mod the engine in a few years time, so im not worrying about that. Thanks

There is no such thing as Good Insurance companies. They are all evel and just scam you of your money

They all do the same shit (nothing), so go with the least evil one = aka one that offeres YOU the best price

I'm curently w/ Bel Air Direct under a family policy (3 cars & house) and the whole thing is $338/month
$283 of that is for the cars and $110 of the car portion is my car.

I think i have one of the lowest insurance rates on here, but the downside is i can't MOD my car according to them. So basically i'm paying so in case i get pulled over i have some slip to show, because if i ever get in an accident i got to fork out the cash to fix my car most likely.

My parents are with State Farm right now, but i was wondering, if i get a subwoofer will i need to let them know i have it. Also about a cd-deck, i definately want that insured, would anyone know how much extra it adds on?

Basically im wondering if there are any insurance companies around here that dont care if you rice your car up.

Ayr Farmers Mutual

So if i decide to stick under State Farm, because of my parents, do they car if a person rices a car up? Or would i just not have to tell them?

im also with state farm and they told me that i am perfectly fine with "Body Modifitcations" kits etc etc, BUT! as soon as i change the center of gravity on the car they will cancell me, i am paying out the ass for my insurance, but we wont go there also my broker told me that if i were to add any performance part to my car (engine wise) even air intakes then they would cancell the insurance.but with audio shit i was told they will cover up to 1000 in audio

Direct Protect and I pay $1049/year full coverage.

Scradley this is good news for me So when they mean center of gravity, meaning the weight of the car or...?? So how much are you exactly paying monthly for insurance, and what do you have on your car?

ahaha i have jackshit on my car other then about 500 worth of sterro stuff

but what they mean by center of gravity is as soon as you slap lowering springs on ur car u can kiss ur coverage bye bye if ur in an accident (thats what they told me)

and as for insurance i pay $270 a month on a 1993 Golf GL

Ouch. Im looking at a 96-98 eclipse, So what if i was to get airbags, so i could change the center of gravity when i would like? What would you think would happen then?

haha im sure they would be quicker to throw you out the door if u had airbags...

Originally Posted by Reco

My parents are with State Farm right now, but i was wondering, if i get a subwoofer will i need to let them know i have it. Also about a cd-deck, i definately want that insured, would anyone know how much extra it adds on?

Basically im wondering if there are any insurance companies around here that dont care if you rice your car up.

With most companys you won't need to inform them on those purchaces. They will usually cover up to $2000 or so for stereo provided you have the reciepts. My company, Economical, covered my theift of my cd deck and I never told them about it prior to it being stolen. They said they just cover $200 worrth and I had my reciepts so it was all good.

Originally Posted by vwguy

There is no such thing as Good Insurance companies. They are all evil and just scam you of your money

preach on brother

i haven't seen one person insured under conestoga ins.

is anybody??

i know my insurance is about $800 a year with no tickets/accidents/anything under a g2 license and occasional driver

i'm too lazy, anybody know if they allow intake/exhaust/lowering?

http://www.conestoga.on.ca/

How old are you sevsev? 800 a year is incrdibly low for a G2 lisence. Is that company any good? Also vorrect me if im wrong anyone.....

17, but i'm listed as the "occasional driver" and my family has our house insured under the same company

Oh alright, when i buy my car, im going to get me under "secondary" even though i am primary . Maybe that is the same kind of thing you are under?

Occasional and secondary are the same.
I pay $190/month on a 1997 Civic Si under my name. I own it and primary driver etc etc all me.

Originally Posted by jaysi

Occasional and secondary are the same.

no they're not... not even close.

Occasional drivers have ALOT of restrictions on them with most companies. Can't drive to work, can't have the car for more than 3 consecutive hours, etc etc. Thats not BS, a friends sister got SCREWED because she was in an accident on her way to work, driving their parents van as an occasional driver.

you guys should check out www.pcinsurance.ca ... they have awesome prices... about $1000 cheaper than RBC for me..

Originally Posted by neonSRT

Thats not BS, a friends sister got SCREWED because she was in an accident on her way to work, driving their parents van as an occasional driver.

thats not good, i better get that changed then

I would shop around for Insurance. Being a first time insurer I would not even mention anything about the Mods you would want to do. They catch wind of that and and your quote will mysteriously be higher then other quotes. But the best way to get good insurance is to stay off your parents. The longer you are with a company with your own policy the better your rates get. (so long as your record stays clean). I have been on my own for 7 years and I am now paying $95 per month and they are aware of all the mods on the car. (Pilot Insurance)

$95 per month

95 BUCKS WTF ARE U DRIVING A GO KART! god damn mines 3 times that

97 Sunfire GT. Clean record and I am married and have another car on the policy as well as some other items.