Here's the run down:
I've owned my ED Falcon I6 for about 18 months. Petrol did pretty well as I went to TAFE that was about three kilometres from my house. Work was about 3.5 kilometres! Hence, petrol wasn't much of a worry for me and I used to get by, by filling up once a fortnight ($50-55).
It's been insured (3rd Party-Fire-and-Theft) with AAMI since I got it. It's now costing under $400 a year which is perfect as I can't really afford much more.
Well times have changed and I go to Uni that is 15km there and a further 15km back in peak hour traffic
. I'm starting to fill up a lot more now which is a pain in the arse, or should I say, wallet? So I'm thinking, "wouldn't it be nice to have a modern little four-banger to save petrol?" But I'd miss the power and this club! So, "no", I think to myself, "I will keep the E-Series."
But then... Being a car enthusiast, more to the point, an E-Series Enthusiast
, I want to mod my car!
Who here doesn't? So I've got some wheels, slotted brakes, tinted the windows, done some minor cosmetical changes etc., but that doesn't cut it. I want superlows (that I have bought and are sitting under the bed), exhaust and all the rest. I want to be sensible about it so I'd obviously tell the insurance company in case the worst does happen.
So I ring up AAMI this morning... They're fine with the wheels, and as soon as I mention the suspension it's a big no-no! How the f$%! do they figure?
So I give Just Car Insurance a bell, and for those mods (excluding exhaust) it will cost over $700 not comprehensively insured
. Try over $1500... How the f$%! do they figure?
Young and Cool Insurance is a crock of shit wanting over $2000... How the f$%! do they figure?
Let's be honest, if I am gonna spend money modding it, then I want it comprehensively insured. But if it costs more to insure than the parts itself, why would I bother?
How do you young guys manage? This is really pissing me off. I know a lot of you pay $000s of dollars, but some of you have really nice cars - XRs and nicely worked Falcons etc. And if you can afford those, then I suppose you can afford big insurance $$$. But mine is a grandpa-Falcon FFS! The mods I've done don't increase the car's power, nor would superlows.
At the moment I am too frustrated to make a logical decision. So am I being crazy thinking of ditching the E-Series and diving into a 2.0l Focus or 2.0l VW Golf? And at my car's age, it is starting to need those little niggling pieces of maintenance, more money. Yes, I'd have to get a loan. But I wouldn't need to pay it back until I finish Uni. And no, I couldn't use that loan money to go towards my current car and/or insurance...
Help me guys :(