Re: Insurance for young guy
Never tell that your car is lowered... as soon as you say that your car is classified as 'a high risk motor vehicle'.
At your age, you are just better off getting 3rd party fire & theft and stick with that for a few years. this will lower the price of comp over the years, especially if you hav a no claim bonus.
I tried insuring my XF last week. They asked me how much do you think's it's worth as is. I said at least $3,500... they said that because of the type of vehicle, they can only cover it to the value of $2,300. I said it was crap and that the car is in A1 condition, well looked after and has a number of mods added to the vehicle. She said that the price is an average and that's what they go by.
It's crap, I could've had an XF built for show (I wish) and they still would have only insured it for $2,300.
Anyway, they worked it all out for me and said it would cost me $2,287 per annum. BULL$HIT! Unless I write the damn car off once a year, where the hell is insurance going to take me. I got in trouble with my boss because he over heard me saying "stick it up your ass!".
They only go on average's created by dickheads. Young drivers = trouble... that's their philosophy. It sucks, I've never had an accident, never been convicted of any criminal offence on or off the road. Hell, I even had a clean record all through school, but the fact is i'm young and I'm an average... and so is my car... damn it hurts when someone completely mis-values your car.
So I went to a difference place and got 3rd party fire & theft for $45 a month. My GF is paying $21 a month for a car valued at the same price. why, because female's are less likely to cause or have an accident on 'average'!
Maybe I should put make-up on and wear a dress next time I want insurance.
87' XF FREAK!