Notices
86-95 Trucks & 4Runners 2nd/3rd gen pickups, and 1st/2nd gen 4Runners with IFS

Insurance costs are outrageous!

Thread Tools
 
Search this Thread
 
Old 01-07-2009, 06:55 PM
  #41  
Registered User
Thread Starter
 
91Toyota's Avatar
 
Join Date: Feb 2008
Location: Salem, OR
Posts: 2,805
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by toyota4x4907
Another contributing factor is the color of the vehicle. When I was 16 I had a little fun looking at insurance costs on Progressive, first of all, being 16, male, unmarried, having a RED (on average i think $50 more to insure a red vehicle) truck that was older with no real safety features besides seat belts and the drivers-side "bar" was like $1900 for 6 MONTHS. Right now I'm 19, I'm still on my moms policy, but I pay for it myself, its about 900 for six months. when I was 16-17-18, it was close to $1400 for six months, but my mom still payed it for me. This is through Geico. If I were to start my own policy, it would be around $1300 for six months right now. I also got $200 off for six months for good grades in high school. I wouldn't doubt it if my '88 4runner is more to insure, being older, and a 2door vehicle with back seats, yet the insurance might see it as not a complete loss if it is totaled since, to them, its worth nigh even $1K probably. I'll just have to see...
Oh CRAP! I see a little red! Run!!!!!
Old 01-07-2009, 06:55 PM
  #42  
Registered User
 
Windsor's Avatar
 
Join Date: Dec 2008
Location: DFW, Texas!
Posts: 1,015
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by ZUK
Ya...it was the same for me . As soon as I turned 25, my insurance dropped in half. That was 27 years ago
ahh, finally, someone older than I am (I'm even older than WabFab). I was starting to get concerned.

Old 01-07-2009, 06:56 PM
  #43  
Registered User
Thread Starter
 
91Toyota's Avatar
 
Join Date: Feb 2008
Location: Salem, OR
Posts: 2,805
Likes: 0
Received 0 Likes on 0 Posts
Why do we need insurance. For one, you can't go fast enough to kill anything, and for two, you can't kill a Toyota!!!
Old 01-07-2009, 06:56 PM
  #44  
Registered User
 
the_ocho's Avatar
 
Join Date: Nov 2008
Location: Shakopee, MN
Posts: 446
Likes: 0
Received 0 Likes on 0 Posts
haha no. im planning out my build and im coming up wiht a list of trash parts bigger than what im putting back on the truck. im just thinking. what in the h311 am i going to do wiht all the factory parts. front, rear bumper, fenders, tail gate. gah lol
Old 01-07-2009, 06:56 PM
  #45  
Contributing Member
 
iamsuperbleeder's Avatar
 
Join Date: Feb 2008
Location: Lake City, Fl
Posts: 12,248
Received 30 Likes on 25 Posts
Originally Posted by 91Toyota
Oh CRAP! I see a little red! Run!!!!!
haha, maybe that's why the previous owner painted over the red with all those colors? to lower their insurance

Last edited by iamsuperbleeder; 01-07-2009 at 06:58 PM.
Old 01-07-2009, 06:57 PM
  #46  
Registered User
 
the_ocho's Avatar
 
Join Date: Nov 2008
Location: Shakopee, MN
Posts: 446
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by 91Toyota
Oh CRAP! I see a little red! Run!!!!!
if the vin is red no matter what color you paint it, its still red
Old 01-07-2009, 06:59 PM
  #47  
Contributing Member
 
iamsuperbleeder's Avatar
 
Join Date: Feb 2008
Location: Lake City, Fl
Posts: 12,248
Received 30 Likes on 25 Posts
Originally Posted by the_ocho
if the vin is red no matter what color you paint it, its still red
what if you paint the vin white?





sorry, I had too, lol
Old 01-07-2009, 07:01 PM
  #48  
Registered User
 
B. Graves's Avatar
 
Join Date: Nov 2008
Location: Cocoa, FL.
Posts: 160
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by 91Toyota
Why do we need insurance. For one, you can't go fast enough to kill anything, and for two, you can't kill a Toyota!!!
thats the truth. my last accident a drunk driver hit me and i flipped on my side in a ditch. i had to literally turn the truck off. the back tire that was off the ground was just spinning and the truck was still running.
Old 01-07-2009, 07:04 PM
  #49  
Contributing Member
 
iamsuperbleeder's Avatar
 
Join Date: Feb 2008
Location: Lake City, Fl
Posts: 12,248
Received 30 Likes on 25 Posts
Originally Posted by B. Graves
thats the truth. my last accident a drunk driver hit me and i flipped on my side in a ditch. i had to literally turn the truck off. the back tire that was off the ground was just spinning and the truck was still running.
whoa, did you drive it away?
Old 01-07-2009, 07:04 PM
  #50  
Registered User
Thread Starter
 
91Toyota's Avatar
 
Join Date: Feb 2008
Location: Salem, OR
Posts: 2,805
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by B. Graves
thats the truth. my last accident a drunk driver hit me and i flipped on my side in a ditch. i had to literally turn the truck off. the back tire that was off the ground was just spinning and the truck was still running.
lol...thats crazy!

if the vin is red no matter what color you paint it, its still red
That wouldn't apply in this case, this truck has been stolen (for god only knows why) and they removed the vins. lol. It now has a black vin from the dmv on the cab. LOL
Old 01-07-2009, 07:06 PM
  #51  
Contributing Member
 
iamsuperbleeder's Avatar
 
Join Date: Feb 2008
Location: Lake City, Fl
Posts: 12,248
Received 30 Likes on 25 Posts
Originally Posted by 91Toyota
this truck has been stolen (for god only knows why)
they wanted those HOT rims you're roll'n on



oh, and LOL at your sig

did you also know that 5 out of 4 people are bad at fractions?

Last edited by iamsuperbleeder; 01-07-2009 at 07:07 PM.
Old 01-07-2009, 07:09 PM
  #52  
Registered User
Thread Starter
 
91Toyota's Avatar
 
Join Date: Feb 2008
Location: Salem, OR
Posts: 2,805
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by iamsuperbleeder
they wanted those HOT rims you're roll'n on



oh, and LOL at your sig

did you also know that 5 out of 4 people are bad at fractions?
LOL...now that made me LOL. Did you know there are 3 types of people in this world...people who can count...and people who can't count...
Old 01-07-2009, 07:09 PM
  #53  
Registered User
 
abecedarian's Avatar
 
Join Date: Mar 2008
Location: Temecula Valley, CA
Posts: 12,723
Likes: 0
Received 5 Likes on 5 Posts
Originally Posted by iamsuperbleeder
try having a 2000 Mustang your senior year and only being 17/18...>snip<
I feel your pain. I had a 79 Mustang Cobra 2.3L Turbo 4cyl back in '87. It cost almost 75% more for insurance than the 79 V8's back in 87. Maybe it had something to do with the fact it was only rated 8 hp lower than the 5.0 and a couple hundred pounds ligher (where it counted on the 'stangs: up front)... nunno. Tell ya this: I drove an 82 5.0 and that thing would understeer / plow straight ahead if you were on the throttle... and my 79 would plow if you were on the pedal and entered a corner too fast, but just a tap on the brakes and feather the throttle and you could carve grooves into rails... but the 82 would understeer with the brakes and then oversteer when the throttle opened up.
... Oh, the memories.

And that's also why the SVO Mustang disappeared- it was just as fast as, and handled much better than the 5.0 LX and GT's.... and the Probe didn't catch on- FWD / AWD made by Mazda... hmm... the 'meri-peeps wanted muscle car, not tech.

But I digress yet again.

Last edited by abecedarian; 01-07-2009 at 07:10 PM.
Old 01-07-2009, 07:10 PM
  #54  
Registered User
Thread Starter
 
91Toyota's Avatar
 
Join Date: Feb 2008
Location: Salem, OR
Posts: 2,805
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by abecedarian
I feel your pain. I had a 79 Mustang Cobra 2.3L Turbo 4cyl back in '87. It cost almost 75% more for insurance than the 79 V8's back in 87. Maybe it had something to do with the fact it was only rated 8 hp lower than the 5.0 and a couple hundred pounds ligher (where it counted on the 'stangs: up front)... nunno. Tell ya this: I drove an 82 5.0 and that thing would understeer / plow straight ahead if you were on the throttle... and my 79 would plow if you were on the pedal and entered a corner too fast, but just a tap on the brakes and feather the throttle and you could carve grooves into rails... but the 82 would understeer with the brakes and then oversteer when the throttle opened up.
... Oh, the memories.

And that's also why the SVO Mustang disappeared- it was just as fast as, and handled much better than the 5.0 LX and GT's.... and the Probe didn't catch on- FWD / AWD made by Maxda... hmm... the 'meri-peeps wanted muscle car, not tech.

But I digress yet again.
But what little mods you could do to the v8 and the hp would be past the little 2.3. Not a bad engine though.
Old 01-07-2009, 07:17 PM
  #55  
Registered User
 
abecedarian's Avatar
 
Join Date: Mar 2008
Location: Temecula Valley, CA
Posts: 12,723
Likes: 0
Received 5 Likes on 5 Posts
Originally Posted by 91Toyota
But what little mods you could do to the v8 and the hp would be past the little 2.3. Not a bad engine though.
you don't know much about that 2.3.
400 hp was little more than a cam and turbo mod away for the 2.3L. dollar for dollar the turbo 2.3 was easier to mod.
google up sierra cosworth RS (body-wise the similar to and the inspiration for the Merkur XR4-TI and Scorpio of the 80's/early 90's... and provided the inspiration for and functional theory of the 'dual' rear spoiler on the SVO Mustang).

Last edited by abecedarian; 01-07-2009 at 07:18 PM.
Old 01-07-2009, 07:17 PM
  #56  
Contributing Member
 
iamsuperbleeder's Avatar
 
Join Date: Feb 2008
Location: Lake City, Fl
Posts: 12,248
Received 30 Likes on 25 Posts
ha, mine was a V6

not you're average 3.8 though



I kinda miss her...

Last edited by iamsuperbleeder; 01-07-2009 at 07:19 PM.
Old 01-07-2009, 07:22 PM
  #57  
Registered User
 
abecedarian's Avatar
 
Join Date: Mar 2008
Location: Temecula Valley, CA
Posts: 12,723
Likes: 0
Received 5 Likes on 5 Posts
Originally Posted by iamsuperbleeder
ha, mine was a V6

not you're average 3.8 though



I kinda miss her...
Well at least it's not a V6 Capri, so you have something to compare to.
Old 01-07-2009, 07:24 PM
  #58  
Registered User
 
abecedarian's Avatar
 
Join Date: Mar 2008
Location: Temecula Valley, CA
Posts: 12,723
Likes: 0
Received 5 Likes on 5 Posts
Originally Posted by abecedarian
Well at least it's not a V6 Capri, so you have something to compare to.
I meant that in the 70's, Ford had the Mustangs with 4, 6 and 8's and there were the Mercury Capri's with their 4's and 6's. So if you can't have a turbo'd 4 Mustang, a V6 is the next best choice.

gotta jab at something here...
Old 01-07-2009, 07:26 PM
  #59  
Registered User
 
B. Graves's Avatar
 
Join Date: Nov 2008
Location: Cocoa, FL.
Posts: 160
Likes: 0
Received 0 Likes on 0 Posts
Originally Posted by iamsuperbleeder
whoa, did you drive it away?
no, it was part of a homicide investigation cause the drink guy killed his passenger. and it busted all the beads on the tires, the frame was way bent, and it was at night and it busted all the lights. other than that, it was ok.
Old 01-07-2009, 07:40 PM
  #60  
Contributing Member
 
iamsuperbleeder's Avatar
 
Join Date: Feb 2008
Location: Lake City, Fl
Posts: 12,248
Received 30 Likes on 25 Posts
Originally Posted by B. Graves
no, it was part of a homicide investigation cause the drink guy killed his passenger. and it busted all the beads on the tires, the frame was way bent, and it was at night and it busted all the lights. other than that, it was ok.
oh, wow, ok then...

but I bet it could have driven away still, even with 4 flat tires


Quick Reply: Insurance costs are outrageous!



All times are GMT -8. The time now is 01:42 PM.