Insurance?

Does automobile insurance allow for turbocharged/NOS?

I have a friend who've a turbo-charaged Subaru WRX coupe, and he was telling me how his insurance company gave him a hard time initially.

I believe that models like Eclipse GS-T is turbo from the factory, are insurance companies more likely to accept models like GS-T(factory set turbo) over say, a Eclipse(non-turbo) and then you install NOS/Turbo?

Do you have to pay extra, and if so, how much more?

yes turbo cars are more expensive for insurance... although nitrous affects nothing and has nothing to do with the rates of you insurance!!! there is quite a big difference in a turboed cars insurance compared to a non turboed car! and it also depends on the year of the car, price, age of the owner! all that stuff but it is more expensive!

yup i pay for my 95gst 120 a month... my friend pays for his 95 GS 120 a month :D I think the girl on the phone liked my voice :D

yes turbo cars are more expensive for insurance... although nitrous affects nothing and has nothing to do with the rates of you insurance!!! there is quite a big difference in a turboed cars insurance compared to a non turboed car! and it also depends on the year of the car, price, age of the owner! all that stuff but it is more expensive!


whoa...can you give me a rough estimate here? Like a $100 more?

so... Nitrous will NOT affect insurance rates??

yup i pay for my 95gst 120 a month... my friend pays for his 95 GS 120 a month :D I think the girl on the phone liked my voice :D


In this case, you got a stock GST? Or was yours a GS that you had modified to a GST?

I'm wondering if a GST(from factory) will cost more than say, a GS that has been modified to a GST later on.

If I'm gonna get serious about a Turbo car... I have to consider insurance :p

but the question is how many tickets does your friend have! if he doesnt have any then he is getting ripped the fuck off!!! and does he have a loan on the car... there are a lot of things that come into play when you are dealing with insurance!

thats the thing, he got no tickets,he is older but he has his lizens for less time, plus when i got my car it was running under my parents name(back then) and now 2 years later i have my own under my name. REAL GST :D His is a GS and like i said no tickets

well, im 24, clame single, and have my G/F & I m under a mulipal car discount policy, with 2 tickets between the both of us and pay 680 full coverage for 6 months for my 96 gsx. but i think it was twice that amount before i was with them a full year.

For my 91 escort, 96 mercury mystique, and the GSX, I pay 511 per year each. They dont charge me any more for the GSX than the other cars. I'm 26, and have a couple tickets. My tow vehicle on the other hand, 99 1 ton dually quad cab turbo deisel, I pay nearly 1200 for the year, with full coverage. My payment for this month is 820 BTW, which really pisses me off. But then its only 250 a month for the next 8 months. Insurance is a huge ripoff. There is no method to the madness, and they're all a bunch of crooks ;)

here here..

where do you live and who do you get your insurance from GSX racer? if you dont mind me asking

For my 91 escort, 96 mercury mystique, and the GSX, I pay 511 per year each. They dont charge me any more for the GSX than the other cars. I'm 26, and have a couple tickets. My tow vehicle on the other hand, 99 1 ton dually quad cab turbo deisel, I pay nearly 1200 for the year, with full coverage. My payment for this month is 820 BTW, which really pisses me off. But then its only 250 a month for the next 8 months. Insurance is a huge ripoff. There is no method to the madness, and they're all a bunch of crooks ;)


I hear that insurance for drivers under 25 are charged more because they're "higher risk" or something like that, so you're probably getting the discount?

yea insurence is higher for under 25 IF they're listed as the primary driver. i get out for now because we have 2 cars and 3 drivers in my family so i'm not listed as primary for any of them

Hehe.. I am on an occasional driver for a 94 aerostar.

Did someone say body-roll :D

I live in MASS, and get insurance with metlife. I never got any discount when I turned 25. The only discounts I remmeber were at 3 and 5 years experience, so 19 and 22, repsectively. Other state may be different though. I do remember that first discount was good for 800 a year though. I had the Rx7 back then and was paying 4 grand a year for it.

my bike is what costs me the most... 163 a month! ouch :banghead: but next month it will drop cause i will have it paid off! :p thats what i get for buying a brand new bike when i am 18 (i'm 19 now)!

my 6 month payment of probably 1500 is comming up this month... i get no love for being 25 or a good driver or student or any of that crap. discounts?!?! i don't need no stinking discounts!!

discounts are for losers and responsible drivers...

i was told i'm an inhuman driver the other day... LOL



sorry i get like that about insurance...

damn boost im 24 and pay 610 for six months.. do you have 1000 comp and colision? uninsured ? thats a ton of cash man..

i got more points on my record than chicks you have nailed...

LMFAO!!! thats pretty good! :rofl:

my lord you guys pay pennies considering what i pay. I just turned 17 with a GST that was paid for in full by myself and I pay 3k a year...215/month =( everything is in my name also

maybe you shoudl have got a cheaper car to start driving with. Also you on your own insurance quick street car. I'm 19 and with a GS spyder It would be 3900 on my own insurance (no accidents or anything) But thats like full insurance.

I'm switching over to my dads though and on the family plan it's only 2100 a year (175/month). I'd recommend switching to the family plan it's much cheaper if your parents will let you. the only problem was the car has to be in my dads name then.

I originally and still have a cavalier from the time I was 16 - now It was a 93 cavalier dirt cheap to insure though. I'm just about to ditch it for the gs spyder though. I'm not saying the gst is wrong for you it just seems rediculous to pay that for insurance when you could be saving on your parents.

thats alot of points. i was a whore in college!!

im only 18 and im on my dads plan. i have the lowest payments possible on my rs right now which is $435 every 6 months. but i just got a quote for when i get my gsx and it is going to be $1200 every 6 months.

Thats a big difference! Makes me wonder why my 91 POScort Pony Edition and GSX are both 500 a year. Wonder if its beacause of my discounts (record), insurance company, state, or because they dont have collision. Hmm.

prolyl the no collision. If I dropped collision on it it was like 500 - 600 cheaper. I also have a 100 dollar deductable and I pay for that too.

Wow...I thought I had it bad. I pay about $850/year for my GS-T (and I do have collision with a $250 deductible). I had 11 points about 4 years ago and my insurance never went up. Back to the original post for a second, if you turbo an N/T you don't have to tell the insurance company about the turbo.

Wow...I thought I had it bad. I pay about $850/year for my GS-T (and I do have collision with a $250 deductible). I had 11 points about 4 years ago and my insurance never went up. Back to the original post for a second, if you turbo an N/T you don't have to tell the insurance company about the turbo.


Really? And if by some chance, you get into an accident, the insurance company won't bail out or something 'cause you turboed a non-turbo AND you didn't let them know?

they wont pay for the turbo thats for sure

you have to read your pollicy. some insurance companys dont cover anything but stock parts. it depends on the insurance company. for instance, when i was 21 i has someone rip off 4g's of equipment in my car, Statef arm covered everything, all i had to do is go down to their claim office and have a claims ajuster with a copy of the police report and let them go over my car for about an hour and see if i was trying to scam them. after that, the told me to go down to Cartoys and talk with the insurance manager and get a replaicment quote. my equipment was 2 or 3 years old, but he wrote me up what new exact replacement would be on all stuff. i paid like 700 for the stuff i had, and got a check for almost 4 grand. but this new insurance company i have intagon from Gmac insurance, yeah, they suck dick. they wont even cover a cd player. unless you pay like some unreal amount of unessary insurance for every item you have aftermarket. and they still dont replace "video equipment" ps2, tv, dvd, navigation, exc. insurance, is just flat out GAY..

Um...no...mine is a factory GS-T. As far as I know from talking to my insurance company, any aftermarket parts installed on the vehicle are covered under my insurance. I guess this has to do with the vehicle being restored to "pre-accident condition" I guess that if you had some exorbitant amount of money invested (let's say $10,000) in parts you should let them know. It's just like if you had an older vehicle that you restored...you don't have to itemize all of the parts, normally they just ask you for the condition of the vehicle (poor, fair or good). This is what they did when I got my '74 mustang ghia.

i just told my place the estimated value of aftermarket parts that i wanted insured. i embelished a little bit, and i got a deductable of like 800 bucks [mabey 1000, don't remember] to keep the premiums down. i'm scared to see what it is going to be when i renew in a couple of weeks!

I pay $80 a month for full coverage... 500 deduct...full glass....How sad for the rest of ya....
HINT: get married, have kids, clean record and see what that does for insurance....OH yeah.....
Wife+Kids=$$ end result...no $ for car!!! LMAO Ya got cheap insurance though.........

I bought my '97 GSX when I was 19, lived alone, no financial help. Premium was ~$1850/six months ($310/month) with a perfect, clean record, driving since the day I turned 16 (over 3 years ago, at the time).

Fortunately, when I turned 20, it dropped to $215/month (~$1400/six months). Now, I'm still 20, and still taking it in the ass for my GSX. :) Hell, my car payments are only $198! My only saving grace is my perfect credit rating. Keeps interest low (4.25% on the car, 4 more years of payments). =D

That said, I'm supposed to drop down to $140-something per month when I turn 21, which is in 3 months, which is also around the time I will have paid off my student loans. I can't freaking wait. =D

Bottom line: it's worth it. ;)

(P.S. I live in Oregon, and I use Farmers. For me, they are consistently about $20-$50 cheaper than all competition per month.)

maybe you shoudl have got a cheaper car to start driving with. Also you on your own insurance quick street car. I'm 19 and with a GS spyder It would be 3900 on my own insurance (no accidents or anything) But thats like full insurance.

I'm switching over to my dads though and on the family plan it's only 2100 a year (175/month). I'd recommend switching to the family plan it's much cheaper if your parents will let you. the only problem was the car has to be in my dads name then.

I originally and still have a cavalier from the time I was 16 - now It was a 93 cavalier dirt cheap to insure though. I'm just about to ditch it for the gs spyder though. I'm not saying the gst is wrong for you it just seems rediculous to pay that for insurance when you could be saving on your parents.


Nah, everything was paid for by me. I've been working since I turned 14 so I could afford an Eclipse and have been paying for everything myself including insurance. (Parents want me to get responsiblity which is cool) and i dont regret a thing about it

fuck insurance companies...

i wonder what the statistics are for probablity of certain demographics to make a claim over, say, 4000 or more...

I know what you mean quickstreetcar. I've been working since 14 also. I'm getting my second car now. Pay for insurance and everything. It gives you a sense of accomplishment. I just waited to get the eclipse since I wanted a spyder and insurance would have killed me then. I didn't end up getting promoted to a supervisor till I was 18. The extra pay allowed me to get the car and pay the rediculous insurance ^^

It's really hard to claim 4k or more. If you ever did I should think the next years rates would go through the roof. Yanno those "standard" increases ^^