Insurance question

Well here is my problem. I'm getting tired of paying for my insurance. I'm 18, and currently my insurance is about $95/month for just liability. I live in a no-fault state. When February rolls around, it will be time to renew my insurance. What I'm thinking of doing is renewing the policy, getting the insurance card, then as soon as I get it, cancel the policy. Drive like that for the next 5 months. I would be extremely careful, never speed, or break any laws, basically avoid any accidents. This way, if I don't cause any accidents, I saved up this money, and I can spend it on racing at a track. What do you think about doing this?

95 a month is not that bad. Just pay it.

I live in a no-fault state.

How does that work?

i don't know if they will let you post here from jail...

pay it 95 is not much and if you hit me while having no insurance I would have to kill you.

Have you gotten any tickets or accidents? What kind of car do you have? I have a 1992 Buick Skylark listed as my primary car and my Civic listed as my secondary. The Skylark was my first car and only has liability on it and my Civic has full coverage and i pay only $32 per month for the Civic. I have never gotten a ticket, or pulled over, or in any accident. Plus i get no accidents bonus and good student (A honor roll) discounts on my insurance. Have your parents put a shitty car for your primary car and insure the car your driving now under your secondary and list the title to your parents and that will save a lot.

pay it 95 is not much and if you hit me while having no insurance I would have to kill you.
That's the thing about no fault. If I hit your car and it's totally my fault, my insurance company would only pay your medical bills, they wouldn't pay for your car. You would have to file a claim with your own insurance company to get your car fixed. So basically I'll have to avoid at-fault collisions. That's the catch.

i don't know if they will let you post here from jail...
I won't go to jail, because if a cop pulls me over, I'll have to insurance card with me, and he won't know that the policy has been cancelled.

Assholes who skimp out on paying their insurance screw the rest of us :swear: We have enough of those fuckers here in Michigan that drive up the costs. Don't become on of those.

If you can't afford the insurance, its time you stop driving and take another mode of transportation.

I won't go to jail, because if a cop pulls me over, I'll have to insurance card with me, and he won't know that the policy has been cancelled.
But if the cop desides to check your insurance your fucked. Here once you cancel your insurance, your insurance company notifies the DMV, I think you get 24 hours to drive and if you dont have insurance, byebye licence

Same here your License is gone with no insurance. if you cant afford it park your frickin car and ride a bike

Georgia has created a database, still have to carry the card but the police can check the computer to see if you have insurance ....... you say all's you have to do is avoide an accident, that's not happening, otherwise it wouldn't be an accident ..... pay the insurance

Same here your License is gone with no insurance. if you cant afford it park your frickin car and ride a bike
I live 10 miles from my work and school. Can't ride my bike. I set up an appointment to talk with the insurance agent, because I think I might have been getting overcharged for like the past 6 months. I'll see what happens after that.

I live 10 miles from my work and school. Can't ride my bike.

WTF...so it takes, what, 30-45 minutes to bike there? I know a guy who walks 12 miles one way to work, and then back home every day, because he cannot afford a car.

Dude just pay it. I got into a wreck a few months ago with a guy with no insurance. He was at fault and the wreck cost him over $10,000 on my half. I have no clue what he has to pay for for his medical and such, so he's fucked.

So I'd personally pay $95 a day rather than run the risk of paying thousands to an insurance company if you get into a wreck.

I would be extremely careful, never speed, or break any laws, basically avoid any accidents.

You can say that now, but you will wind up speeding at least. And how can you be certain you will avoid any accidents even if you do drive like that? Iwasn't speeding when I got into my wreck or doing anything wrong at all. The dumb fuck pulled across my lane and stopped across it not even 30ft infront of me, and I was going under the speed limit actually because I'd just hit my brakes to avoid another moron.

And it is beacuse of those who don't pay for insurance the rest of us get fucked in the ass.

Driving with no insurance = stupid

well its unanimous

If you can't afford the insurance, its time you stop driving and take another mode of transportation.

Damn right! :1:

lmao 95 bux isnt anything man.......im 19 and im still paying bout 120 a month...i was paying 180 (my driving record is clean fyi) and when i first wanted insurance most of them where saying 4000 to 6grand a year for insurance......so feel lucky!

In my state, if you get caught it's a $1,500 fine, and then you still can't get insurance unless you put up about 8 grand for a bond, plus a high premium. It only pays if you're a homeless drug addict lowlife fuck that never wants more than to live off scraps.

Well here is my problem. I'm getting tired of paying for my insurance. I'm 18, and currently my insurance is about $95/month for just liability. I live in a no-fault state. When February rolls around, it will be time to renew my insurance. What I'm thinking of doing is renewing the policy, getting the insurance card, then as soon as I get it, cancel the policy. Drive like that for the next 5 months. I would be extremely careful, never speed, or break any laws, basically avoid any accidents. This way, if I don't cause any accidents, I saved up this money, and I can spend it on racing at a track. What do you think about doing this?


you might drive it like a create of eggs, but other people dont'.

The insurance is for incase something happens when it's not your fault.

Also, getting re-insured afterward will be a bitch, especially if the no-fault state ya live in is Florida...They look for continuous coverage when they set rates...

My stepson's 20 and he pays $180/month...so you're getting a BARGAIN

:smokin:

Just pay the damn insurance

quit being a cheap bastard. 95 isnt anything for insurance. Im 19 and pay 250 A MONTH. So quit your bitching and get a job.

I've worked in insurance, and have seen too many people try to slide by, then get sued after an accident they didn't have insurance for that was their fault. Results are any and all of the below:

Jail, driver's license suspended (or perm. revoked), all the way up to having to pay millions, by having 1/2 their paycheck taken for the rest of their life.

No matter how careful you are there's always "something" that could happen. A patch of ice. You hydroplane. Your wheel falls off. You get stung by a bee, swat it and hit somebody (all REAL examples)

Auto insurance is like a safety net for a trapeze artist. You can work without it, but when you need it you're awfully glad you have it and the cost no longer matters.

Pay your $95, no matter how hard it hurts. It's not worth the risk.

quit being a cheap bastard. 95 isnt anything for insurance. Im 19 and pay 250 A MONTH. So quit your bitching and get a job.
:1:

Well, I talked to the agent today. He had his head stuck up his ass, and he argued his bullcrap, saying that people like me cause like 70% of insurance claims (that's I think a little overexaggerated, it's probably closer to 35%). Well, no releif until about august of next year, when it will go down 15% if I don't get any tickets, and then it will go down some more when I turn 19 next december. It didn't go down any after I turned 18, which I think is complete bullcrap again, because I've been driving for 2.5 years already, and I pay the same rate as someone who has just gotten their licence. I just hate insurance companies. I've never had to file a claim, (and I didn't cause anybody else to have to either), and I already wasted thousands of dollars on them

I just hate insurance companies. I've never had to file a claim, (and I didn't cause anybody else to have to either), and I already wasted thousands of dollars on them
You'll hate it until the day you get into a major accident where both cars are totaled and both parties sustain massive medical injuries.

You are pathetic - either use public transportation, or quit bitching and pay the god damn insurance.

18-25 is the age group that is involved in the most automobile accidents... and you know what, cars are the #1 killer of people under the age of 25... see a trend here yet?

oh, and you are lucky, in arizona your insurance doesn't decrease any until you are 25...

95 aint bad I'm 18 and on my sisters insurance and I still pay atleast 120 a mon. It dosen't matter if you cancel or don't have insurance you will still have to pay $180 for the fine. thats if you get pulled over either way good luck

Then whos gunna pay for your car after I steal it?

It only pays if you're a homeless drug addict lowlife fuck that never wants more than to live off scraps.

Hey sounds just like the two morons that have hit me. They have been seriously been druggies and just total trash who didn't give a shit about anything.

You'll hate it until the day you get into a major accident where both cars are totaled and both parties sustain massive medical injuries.

Very true. I hated paying insurance until the guy who caused $1500 in damages. Sure thats not as much as I've paid in insurance over the years, but the 2nd wreck that totaled the guys van (which wasn't his to top it off) and I thought totaled my car but didn't, cost well over $10,000 in damages to my car alone. We currently pay $159 for full coverage on my eclipse and his dodge truck. Neither of us have ever had a ticket and he did hit a guard rail 4yrs ago, but since that was 4yrs ago its off the record now. And that $159 is well worth the safety in knowing I won't ever be the idiot without insurance.

go ahead get the insurance card and cancle it and i promise once in the 5 months u WILL get pulled over and they will run ur tag number and u wont have any insurance on ur vehicle they will impound it and take ur licens

Very true. I hated paying insurance until the guy who caused $1500 in damages. Sure thats not as much as I've paid in insurance over the years, but the 2nd wreck that totaled the guys van (which wasn't his to top it off) and I thought totaled my car but didn't, cost well over $10,000 in damages to my car alone. We currently pay $159 for full coverage on my eclipse and his dodge truck. Neither of us have ever had a ticket and he did hit a guard rail 4yrs ago, but since that was 4yrs ago its off the record now. And that $159 is well worth the safety in knowing I won't ever be the idiot without insurance.
I drive a car that's worth $1500. The thing about no fault is that even if I do get into an accident, they won't pay for any damages to my car, even if it's not my fault. So why not save that insurance money for a year, and have $1200 in the bank in case something does actually happen? I will probably never drive a car that's worth more than $3000 on the road in my life, because if I do have 15000 to spend on a car, it will be track only.

Listen IDIOT ... pay the damn insurance!!

What people and the insurance agent are saying is true. People without insurance are causing the rates to go higher.

$95.00/month for insurance ... are you kidding me !! If you can't pay that then park your car. In Ontario, Canada (where I live !!) ... it is a $4000.00 fine for driving without insurance. Then you lose your license for 2 yrs., then when you try to get insurance, it is next to impossible without paying through the ass.

Pay your $95.00/mth and stop your bitching !!! IDIOT !!

Because you even asked that question, you obviously are not mature enough to operate a motor vehicle. It's a priveledge, not a right. Insurance is part of the price for entry into the driver's club. If you were to get into an accident with me, I would hire lawyers to hound you to the grave. You would never be able to dig yourself out of the hole of debt that could be caused. I don't even like lawsuits. How would you or your parents like to pay off thousand of dollars in damages and medical bills? That means no new playstation games, hip clothes, CDs, or reefer for a long long time. Pull your instant gratification craving head out of your ass and get with the program.

//end of rant

Listen IDIOT ... pay the damn insurance!!

What people and the insurance agent are saying is true. People without insurance are causing the rates to go higher.

$95.00/month for insurance ... are you kidding me !! If you can't pay that then park your car. In Ontario, Canada (where I live !!) ... it is a $4000.00 fine for driving without insurance. Then you lose your license for 2 yrs., then when you try to get insurance, it is next to impossible without paying through the ass.

Pay your $95.00/mth and stop your bitching !!! IDIOT !!
wow, the hostility!

This keeps coming up over and over. I live in Michigan, which is a no-fault state. That means that if i hit YOUR car, and it's my fault, i DON'T have to pay for damages. it's the LAW. The only thing that I might have to pay for are medical bills, but my car only weighs like 2000 pounds, if I hit your huge SUV, you won't get hurt.

This keeps coming up over and over. I live in Michigan, which is a no-fault state. That means that if i hit YOUR car, and it's my fault, i DON'T have to pay for damages. it's the LAW. The only thing that I might have to pay for are medical bills, but my car only weighs like 2000 pounds, if I hit your huge SUV, you won't get hurt.
Then who pays for the damages to their car?? their insurance? that doesn't seem right.

Then who pays for the damages to their car?? their insurance? that doesn't seem right.
Yes, they have to file a claim with their OWN insurance company. That's what the law says.

Yes, they have to file a claim with their OWN insurance company. That's what the law says.


The law says: your a cheap bastard

are you that ignorant that you cant see the point of your insurance? How about you try paying 250 a month for insurance. 95 bucks is nothing to be complaining about. If you dont pay the insurance i hope you get in an accident and i hope you get your ass sued for everything your worth(which isnt much since 95 bucks is SOOOO much money)

Advice: Sell your car and buy a bike, not a motorcycle. A Huffy. That way i dont have to listen to you bitch about how cheap you are.

The law says: your a cheap bastard

are you that ignorant that you cant see the point of your insurance? How about you try paying 250 a month for insurance. 95 bucks is nothing to be complaining about. If you dont pay the insurance i hope you get in an accident and i hope you get your ass sued for everything your worth(which isnt much since 95 bucks is SOOOO much money)

Advice: Sell your car and buy a bike, not a motorcycle. A Huffy. That way i dont have to listen to you bitch about how cheap you are.
Well, currently I go to private school, out of pocket I have to pay $200/month for tuiton. Next year I'll be going to college, and even after all the scholarships, I'll have to pay about $6000 in cash by myself in August. Still think I'm a cheap bastard?

Just thought of something else. If you drive without insurance as a minor, your parents can lose everything they have. If they have nothing, they will have a judgement against them if they ever do get anything. Plus, everyone in your household will lose their insurance or at least be moved to a higher risk category once the insurance company matches the address. They will assume you're driving their cars.

only 200 a month for tuition? that's insanely inexpensive... my highschool payment was 7500 a year... college is easier to pay for, more tuition assistance is available, and you can get student loans.

reguardless of what i think, what i know is that there are at least a few people who have posted here who know more than you do. whether it is about life, or the law... this could turn into the classic example of not listening to those who know, then bitching and wondering why everything went so wrong. grow up, and be mature enough to take responsibility for anything you MIGHT do (which is why you would have insurance anyway).

I drive a car that's worth $1500. The thing about no fault is that even if I do get into an accident, they won't pay for any damages to my car, even if it's not my fault. So why not save that insurance money for a year, and have $1200 in the bank in case something does actually happen? I will probably never drive a car that's worth more than $3000 on the road in my life, because if I do have 15000 to spend on a car, it will be track only.



See thats fucked up, if you get in a wreck and its not your fault they should pay for your car. No fault sucks then. I can see in your point not having insurance.

But here where I lived, if I'd been that van owner, I'd be fucked without insurance.

Just thought of something else. If you drive without insurance as a minor, your parents can lose everything they have. If they have nothing, they will have a judgement against them if they ever do get anything. Plus, everyone in your household will lose their insurance or at least be moved to a higher risk category once the insurance company matches the address. They will assume you're driving their cars.



I think he's already 18. Aren't you claw?

Well, currently I go to private school, out of pocket I have to pay $200/month for tuiton. Next year I'll be going to college, and even after all the scholarships, I'll have to pay about $6000 in cash by myself in August. Still think I'm a cheap bastard?

yeah i do still think your a cheap bastard. I live on my own (at 19) pay for my own car, insurance, apartment(split 2 ways), and college.I pay for all my own bills. Its called WORK try doing it. obviously if you cant pay your bills you need to find a better job.

You want cheap insurance?

Hows $17 a month for driving THIS thing...

http://www.leovince-power.de/SBK/Technik/Aprilia1/Yamaha/YAMAHA_X3/xt600-2b-200.jpg

come winter that would be quite the driving experience.

How much does one of those cost? How fast can they go? 80 mph? How many miles does the engine last for?

Claw, seriously though. Pay your insurance. Even though MI is a no-fault state, the injuries caused in even a minor accident could drain your pocket forever.

$19 a month for the bike....hmmmm.....

come winter that would be quite the driving experience.

Every winter, I have no choice. I just wish next year nothing happens.

I got it up to 105mph until the pannels started flying off. Its not very aerodynamic.

Makes for cheap insurance, cheap gas, cheap maintanance, cheap transportation all around.

And just forget about snow... try drving around on 2 ball bearings.

You put on the spiked tires and ride with your feet down?

You put on the spiked tires and ride with your feet down?

:spit: If only I was so lucky. :icon16:

Well here is my problem. I'm getting tired of paying for my insurance. I'm 18, and currently my insurance is about $95/month for just liability. I live in a no-fault state. When February rolls around, it will be time to renew my insurance. What I'm thinking of doing is renewing the policy, getting the insurance card, then as soon as I get it, cancel the policy. Drive like that for the next 5 months. I would be extremely careful, never speed, or break any laws, basically avoid any accidents. This way, if I don't cause any accidents, I saved up this money, and I can spend it on racing at a track. What do you think about doing this?

Thats a horrible idea! Never do that. Trust me, no matter how carefull you think you are shit always happens. Its Murphy's Law man! You can run from Murphy's Law!