What happens when you give a 16year old a 240sx... - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

ALTRNTV · 12-12-2007, 01:01 AM

Quote:

Originally Posted by Canadian newspaper

Monday, December 10, 2007

EDMONTON - Barbara Wellensiek knew her son's insurance bill would be steep because of his driving record, but when the renewal notice arrived she was shocked to see the annual premium was $104,566.63.

"I thought it was a typo," Wellensiek said today. "I didn't panic - I thought it was a mistake."

When she phoned her insurance broker, Access Insurance Group, she got confirmation that the figure on the notice was accurate, the rate having been hiked from $1,300 per month.

"I just about fainted - how could this be?"

She calculated that her son, Janson Towers, would have to work full-time all year and earn $55 per hour just to pay his auto insurance premium.

Towers has all the factors going against him that add up to a high premium, even under the new grid system brought in when auto insurance reforms took effect in 2004.

He's 19, and has a "tendency to speed," Wellensiek said.

He got his first car at age 16. His licence was suspended twice. Since May 2005 he has received 10 speeding tickets, and has been in two minor "fender benders" and a rear-ender that totalled his car.

Though the insurance industry has complained that the grid system rewards bad drivers, an insurer could charge even more.

When the details of Towers' driving record were put into the auto insurance rate calculator on the provincial government website, the maximum allowable charge that came out was $122,727.42 per year.

Wellensiek went to another insurance company, Morgex, which quoted her $50,000 for a premium on her son's Nissan 240.

She has chipped in on his premiums before because of his need for a car. He has been playing junior football in Kelowna, taking physiotherapy because of football injuries, working part-time and is about to start attending Okanagan College.

But there's no way the family can afford $50,000.

"If he can't drive, I'm sure he'll accept it. He'll just have to wait until the convictions fall off."

Towers said he's moving permanently to British Columbia and is optimistic he can insure his car there for about the same rate he was paying in Alberta last year. If that doesn't work out, he'll have to ride his bike.

"I'd rather buy a house than pay that ($104,000)," he said.

He's still shocked by the invoice, and says that most of the speeding tickets clocked him going just a few kilometres per hour over the limit.

Alison Gates-Kriston, spokeswoman for Alberta Finance, said there are three factors on the insurance rate grid: number of years of driving, accident claims and convictions.

"Your grid rating is a reflection of your driving record," Gates-Kriston said. "It's the driver's decision as to whether they want to be insured or whether they want to stop driving."

An official with Access Insurance Group, which quoted the $104,566.63 premium, said the company can't comment because of privacy legislation.

Michael Debolt, government affairs manager for the Alberta office of the Insurance Bureau of Canada, was surprised by the amount of the premiums allowed under the grid rules, but said his industry is still opposed to capping rates under the grid system.

"We don't believe in the grid at all - we believe an individual's insurance premiums should reflect the risk they carry," he said.

tunerzimage · 12-12-2007, 01:06 AM

Wow.......104k are they serious?!?

HyperTek · 12-12-2007, 01:06 AM

hmm dam scum shouldnt drive anymore we dont need them on our roads... but eventually this kid will drive without insurance and make it alot worse...

hmm reminds me of my friend... lost his license.. too many back payments due on tickets.. had a 240sx did stupid shit... and now drives illegally cuz he cant afford it.. grrrrrrrrrrrrrrr

Matej · 12-12-2007, 01:14 AM

My parents are always on my back about why my insurance is $70 a month with a clean record while theirs on a Chevrolet Malibu is $20 and they've been in a couple fender benders. They can't believe it's because I'm 19 and I drive a "sporty" car. They find it outrageous about how it's legal for insurance companies to be prejudiced against drivers and car models like that, as if they knew who is going to get into a wreck, obviously it's all about money. That kid is definitely a stupid idiot, but at the same time do insurance companies seriously expect a regular person to pay 104K$? Insurance companies are just a bunch of thieves, a huge portion of your earnings goes to them every month, and then when normal people actually need their insurance company for once after paying them for years, you have trouble getting them to pay for anything, and you just go through a lot of hassle dealing with them. Think about all the months you paid for insurance and didn't get in any wrecks, you might as well have flushed that money down the toilet. The U.S. insurance system is completely worthless, I wonder what kind of an idiot came up with it, and clearly the Canadian system isn't any better. It's not like the insurance company pays for your lawyer or fine when you get a speeding ticket, people should be punished by tickets, jail time, and suspended licenses, not by ridiculous insurance charges.

muddafakka · 12-12-2007, 04:50 AM

Quote:

Originally Posted by Matej

That kid is definitely a stupid idiot, but at the same time do insurance companies seriously expect a regular person to pay 104K$? Insurance companies are just a bunch of thieves, a huge portion of your earnings goes to them every month, and then when normal people actually need their insurance company for once after paying them for years, you have trouble getting them to pay for anything, and you just go through a lot of hassle dealing with them. Think about all the months you paid for insurance and didn't get in any wrecks, you might as well have flushed that money down the toilet. The U.S. insurance system is completely worthless, I wonder what kind of an idiot came up with it, and clearly the Canadian system isn't any better. It's not like the insurance company pays for your lawyer or fine when you get a speeding ticket, people should be punished by tickets, jail time, and suspended licenses, not by ridiculous insurance charges.

+56347636845646854865385456884568

IIIXziuR · 12-12-2007, 06:26 AM

Quote:

Originally Posted by Matej

... They can't believe it's because I'm 19 and I drive a "sporty" car....

240sx, sporty car? Am I missing something here?
I don't think you can even use those in the same sentence hahaha lawlzor

Peter_North · 12-12-2007, 10:59 AM

Quote:

Originally Posted by IIIXziuR

240sx, sporty car? Am I missing something here?
I don't think you can even use those in the same sentence hahaha lawlzor

The 240sx is a budget sports coupe, its not a fwd economy car. The car comes stock with a tow hook.

BustedS13 · 12-12-2007, 11:07 AM

Quote:

Originally Posted by Peter_North

The 240sx is a budget sports coupe, its not a fwd economy car. The car comes stock with a tow hook.

all cars have tow hooks. all of them.

Peter_North · 12-12-2007, 11:08 AM

Quote:

Originally Posted by BustedS13

all cars have tow hooks. all of them.

Wrong

Kuzumi · 12-12-2007, 11:57 AM

i pay 200 a month currently for full coverage for my 350z (i am 19)
i have a PERFECT record so why is it so high?

VROOOM · 12-12-2007, 11:19 AM

Quote:

Originally Posted by Peter_North

The 240sx is a budget sports coupe, its not a fwd economy car. The car comes stock with a tow hook.

tow hooks mean nothing.

Peter_North · 12-12-2007, 11:21 AM

Quote:

Originally Posted by VROOOM

tow hooks mean nothing.

The 240sx is still a sports car, you nissan haters just hate to admit it. Sure its not a fucking Z33/Rx7/vette, but its not a FWD econo box integra/civic/ ford focus.

RWD 2 door 5 speed > your economy car

axiomatik · 12-12-2007, 12:15 PM

Quote:

Originally Posted by Matej

blah blah blah rant rant rant

you obviously don't understand the definition of "insurance". insurance isn't just for fender-benders. every year, there are hundreds of thousands (maybe millions) of car accidents in this country where people are seriously injured. Every year over 40,000 people die in car accidents. car insurance covers the entire spectrum from touching up the paint on your bumper after you backed into a garbage can, to paying your medical bills when you (or your victim) spends 3 weeks in intensive care.

Quote:

Originally Posted by Peter_North

The 240sx is a budget sports coupe, its not a fwd economy car. The car comes stock with a tow hook.

Both my Ford Expedition and Jeep Cherokee have tow hooks. that must mean they are sports cars, right?

Peter_North · 12-12-2007, 12:23 PM

Quote:

Originally Posted by axiomatik

you obviously don't understand the definition of "insurance". insurance isn't just for fender-benders. every year, there are hundreds of thousands (maybe millions) of car accidents in this country where people are seriously injured. Every year over 40,000 people die in car accidents. car insurance covers the entire spectrum from touching up the paint on your bumper after you backed into a garbage can, to paying your medical bills when you (or your victim) spends 3 weeks in intensive care.

Both my Ford Expedition and Jeep Cherokee have tow hooks. that must mean they are sports cars, right?

My 240sx is a sports car though.

DRavenS13 · 12-12-2007, 01:29 AM

It's people like that who drive like idiots with our cars, and then the rest of the responsible drivers have to add ricer fees to our insurance too.

FAIL, damn irresponsible teenagers, FAIL.

Tops* · 12-12-2007, 01:49 AM

I hate this Janson Towers kid already. Why do MY rates have to go up just because I'm young and drive a "2-door coupe." Even if I have a clean record and get good grades, I still get screwed over by people like Janson. What a system...

steve shadows · 12-12-2007, 03:29 PM

Quote:

Originally Posted by DRavenS13

It's people like that who drive like idiots with our cars, and then the rest of the responsible drivers have to add ricer fees to our insurance too.

FAIL, damn irresponsible teenagers, FAIL.

the majority of people who can barely scape up enough money to buy a 240 and be a dirftor are fucking idiots

**S13SilviaGirl** · 12-12-2007, 01:49 AM

wow...that is insane! All it will do is drive ppl to get behind the wheel without being insured!

Neejay · 12-12-2007, 03:19 AM

Quote:

Originally Posted by S13SilviaGirl

wow...that is insane! All it will do is drive ppl to get behind the wheel without being insured!

I agree.

I got quoted like $500+ per month on a 2003 WRX. lol...

ronmcdon · 12-12-2007, 05:55 PM

Quote:

Originally Posted by Neejay

I agree.

I got quoted like $500+ per month on a 2003 WRX. lol...

The WRX (and the EVO) are probably one of the most expensive cars you could insure due to very high accident and theft rates. IIRC, the STi and the WRX has the same rates. Insurance companies will not discriminate between the two models. In this respect, I consider the STi to be a better value.

hustlervibes · 12-12-2007, 02:12 AM

WOW! I thought my insurance was high on my S2000 ($400+ a month) but $104k, that's just insane. But he did mess up...a lot. But I definetly agree with simpleS14 in that they charge more for coupes or "sporty cars" I can understand more if the car costs more in general because of liability issues but just because a car may be faster than another is stereotyping.

azndoc · 12-12-2007, 02:19 AM

brings a whole new meaning to pay to play.

Better get that bus pass yo

cc4usmc · 12-12-2007, 03:24 AM

HAHA...and i thought $200per month for my 240 was a lot.

well..its is...but not That bad

cc4usmc · 12-14-2007, 06:19 PM

Quote:

Originally Posted by cc4usmc

HAHA...and i thought $200per month for my 240 was a lot.

well..its is...but not That bad

Now i pay $50 per month.

89dc240 · 12-12-2007, 04:47 AM

Phew, I'd probably drive off a cliff if my insurance was that much.

So long fair world, can't afford to drive anymore, and it's not because of gas...

full house · 12-12-2007, 05:55 AM

hahaha!!! That girl would be lucky by the way how she looks it . . .

lol

**S13SilviaGirl** · 12-12-2007, 07:50 AM

Quote:

Originally Posted by full house

hahaha!!! That girl would be lucky by the way how she looks it . . .

lol

huh???????????

**Phlip** · 12-12-2007, 06:34 AM

I bet he'll start a "KA vs. SR" thread soon.
Something about this kid screams "Zilvia newb"

*edit*
Did ANYONE notice that this was in Canadia and not the US?

SHIFT_*grind* · 12-12-2007, 06:52 AM

"She has chipped in on his premiums before because of his need for a car. He has been playing junior football in Kelowna, taking physiotherapy because of football injuries, working part-time and is about to start attending Okanagan College." Boo-hoo, make him ride a fucking Huffy because this...

Quote:

He got his first car at age 16. His licence was suspended twice. Since May 2005 he has received 10 speeding tickets, and has been in two minor "fender benders" and a rear-ender that totalled his car.

...is inexcusable. A $104,000 premium is a pretty crooked way of punishing him (extortion, basically), but shit. Get off the road.

j4d3_h4v0k · 12-12-2007, 08:00 AM

yeah that one lost me too.
but its kids like this why insurance for young male drivers especially in sportier cars is insanely overpriced

12-12-2007, 01:06 AM	#2
tunerzimage Zilvia Addict Join Date: Jun 2006 Location: Chino/Fullerton, CA Posts: 731 Trader Rating: (0) Feedback Score: 0 reviews	Wow.......104k are they serious?!? __________________ (909) 628-1707 - Chino, CA http://www.tunerzimage.com

12-12-2007, 01:06 AM	#3
HyperTek Post Whore! Join Date: Mar 2003 Location: Cali Posts: 13,224 Trader Rating: (3) Feedback Score: 3 reviews	hmm dam scum shouldnt drive anymore we dont need them on our roads... but eventually this kid will drive without insurance and make it alot worse... hmm reminds me of my friend... lost his license.. too many back payments due on tickets.. had a 240sx did stupid shit... and now drives illegally cuz he cant afford it.. grrrrrrrrrrrrrrr __________________ Keep it Classy

12-12-2007, 01:14 AM	#4
Matej Post Whore! Join Date: Feb 2007 Location: N/A Posts: 9,423 Trader Rating: (39) Feedback Score: 39 reviews	My parents are always on my back about why my insurance is $70 a month with a clean record while theirs on a Chevrolet Malibu is $20 and they've been in a couple fender benders. They can't believe it's because I'm 19 and I drive a "sporty" car. They find it outrageous about how it's legal for insurance companies to be prejudiced against drivers and car models like that, as if they knew who is going to get into a wreck, obviously it's all about money. That kid is definitely a stupid idiot, but at the same time do insurance companies seriously expect a regular person to pay 104K$? Insurance companies are just a bunch of thieves, a huge portion of your earnings goes to them every month, and then when normal people actually need their insurance company for once after paying them for years, you have trouble getting them to pay for anything, and you just go through a lot of hassle dealing with them. Think about all the months you paid for insurance and didn't get in any wrecks, you might as well have flushed that money down the toilet. The U.S. insurance system is completely worthless, I wonder what kind of an idiot came up with it, and clearly the Canadian system isn't any better. It's not like the insurance company pays for your lawyer or fine when you get a speeding ticket, people should be punished by tickets, jail time, and suspended licenses, not by ridiculous insurance charges. Last edited by Matej; 12-12-2007 at 01:54 AM..

12-12-2007, 11:57 AM	#10
Kuzumi Zilvia Addict Join Date: Sep 2005 Location: Minecraftia! Posts: 753 Trader Rating: (1) Feedback Score: 1 reviews	i pay 200 a month currently for full coverage for my 350z (i am 19) i have a PERFECT record so why is it so high? __________________ http://www.facebook.com/#!/profile.php?id=1127316777

12-12-2007, 01:49 AM	#16
Tops* Zilvia Addict Join Date: Sep 2007 Location: SF, CA Age: 36 Posts: 966 Trader Rating: (6) Feedback Score: 6 reviews	I hate this Janson Towers kid already. Why do MY rates have to go up just because I'm young and drive a "2-door coupe." Even if I have a clean record and get good grades, I still get screwed over by people like Janson. What a system... __________________ MADE IN JAPAN

12-12-2007, 02:12 AM	#21
hustlervibes Banned from the Marketplace Join Date: May 2006 Location: Southern California Rep Power: ∞ Age: 35 Posts: 2,453 Trader Rating: (0) Feedback Score: 0 reviews	WOW! I thought my insurance was high on my S2000 ($400+ a month) but $104k, that's just insane. But he did mess up...a lot. But I definetly agree with simpleS14 in that they charge more for coupes or "sporty cars" I can understand more if the car costs more in general because of liability issues but just because a car may be faster than another is stereotyping.

12-12-2007, 02:19 AM	#22
azndoc Post Whore! Join Date: Feb 2006 Location: Los Angeles Age: 42 Posts: 9,487 Trader Rating: (47) Rides Gallery: azndoc Feedback Score: 47 reviews	brings a whole new meaning to pay to play. Better get that bus pass yo

12-12-2007, 04:47 AM	#25
89dc240 Zilvia Junkie Join Date: Nov 2006 Location: Just South of Philly Age: 40 Posts: 352 Trader Rating: (0) Feedback Score: 0 reviews	Phew, I'd probably drive off a cliff if my insurance was that much. So long fair world, can't afford to drive anymore, and it's not because of gas...

12-12-2007, 05:55 AM	#26
full house Leaky Injector Join Date: Apr 2007 Location: new york Age: 44 Posts: 96 Trader Rating: (0) Feedback Score: 0 reviews	hahaha!!! That girl would be lucky by the way how she looks it . . . lol __________________ LINK SPAM DELETED.

12-12-2007, 06:34 AM	#28
Phlip Yes, I look like that Join Date: Mar 2002 Location: In my supervillain's lair Posts: 27,976 Trader Rating: (19) Rides Gallery: Phlip Feedback Score: 19 reviews	I bet he'll start a "KA vs. SR" thread soon. Something about this kid screams "Zilvia newb" edit Did ANYONE notice that this was in Canadia and not the US? __________________ Weirdo And I write too!