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Fuck insurence and fuck credit.

Discussion in 'Channel Zero' started by ToYs, May 6, 2003.

  1. ToYs

    ToYs Guest

    i swear these 2 things are the most frustrating and retarded concepts in the world.
    ok so ive been saving money to get a new car for like 8 months now (i havent had a car in a minute!) so i acumulated a pretty nice sized down payment, and to celebrate the fact that i saved a whole $12.56 i was going to try at a 2003 model, so i looked and bam! found a tight ass saturn ion quad coup that i could afford for like $215 a month. so im hyped, i go do the paper work and now all they need is insurence for the car, i call up my dads insurence and ask for my own insurence account this is the conversation:

    ME: You give me insurence now!
    THEM: MR. toys, due to your one accident 2 years ago we can not insure you, we can call up our sister company and get a quote for you though.
    ME: uhhh sure.
    THEM: well lets see now, on accident and no other previous tickets of anykind right?
    ME:right.
    THEM: ok so your monthly payments with Bullshit Insurence wil be around $475 evey month
    ME: *hangs up phone*

    yep. 475 a month, so i decide i will look around more and after a week of searching i find on for like $150 a month, which is about as affordable as possible. OK TIME TO BUY A CAR! call up my brother to make sure he can still co-sign for me (18 year olds dont really have credit to buy cars) this is that conversation:

    ME: hey bro you still co-signing for me today?
    BRO: i cant.
    ME: i have no brother. *hangs up*

    seeing as how my whole family exept my bro is financially retarrded. this equals no car for me. oh well i like skating anyway.
     
  2. Dick Quickwood

    Dick Quickwood 12oz Loyalist

    Joined: Aug 25, 2002 Messages: 14,783 Likes Received: 14
    buy a car from one of those police auction deals
     
  3. ubejinxed

    ubejinxed Veteran Member

    Joined: Apr 12, 2001 Messages: 7,543 Likes Received: 3
    get a moped or motorcycle. insurance is cheaper becuase you can't cause much damage to other people's cars or person. they payments will be cheaper too.

    or just get an older car, insurance for a new car is crazy expensive.

    my car insurance is $2400 a year and i'm 24 plus a gigantic car payment. cars suck. debt rules my life.
     
  4. sneak

    sneak Guest

    hahaa, i prolly would have collapsed.
     
  5. Ken Barlow

    Ken Barlow Member

    Joined: Apr 11, 2003 Messages: 321 Likes Received: 0
  6. TuffKid

    TuffKid Senior Member

    Joined: Dec 14, 2002 Messages: 2,062 Likes Received: 0
    smoke weed and ride the bus
     
  7. --zeSto--

    --zeSto-- Veteran Member

    Joined: Jul 12, 2000 Messages: 6,979 Likes Received: 2
    not really.

    Maybe a moped is cheaper but the insurance on a motorcycle is nuts!
    It depends on a few factors though. If you want a 'sport' bike instead
    of a 'sport cruiser' or a 'touring' bike you'll pay though the nose. Also
    most auto insurance companies charge incredibly more than they should.
    There are companies that specialize in motorcycle insurance. They would
    be your best bet. And need I mention that young males are the most
    expensive group to insure? Well we are, and probably for good reason.

    go for a bike (no motor)
     
  8. mr.yuck

    mr.yuck Veteran Member

    Joined: May 12, 2000 Messages: 6,952 Likes Received: 6
    i used to sell cars so here are a few things that might help you out.

    If the dealership wants to sell the car that bad they will pay your first months insurance for you, however they will tack the cost on to the back end of the deal. This shouldnt make your payment go up that much.

    Now you have to buy full coverage in order to drive the car off the lot, however you can drop it down to just liability once you leave. that way you're not out of pocket after you leave the dealership and are not stuck with something that you can not pay.

    As for a co x i dont know how jacked up your families credit is but i have worked some miracles where i have sold cars to people that have no L's and no insurance with outstanding car loans in excess of $15,000. I've done everything from perfect credit to the most fucked up credit you can imagine. As long as you have about $1500 as a down payment there should be a bank that will finance you co x or not.

    If you have any other questions just put em up here and i'll try to help you out
     
  9. SteveAustin

    SteveAustin Veteran Member

    Joined: Mar 12, 2002 Messages: 7,042 Likes Received: 2
    My old insurance company wouldn't even insure my motorcycle despite my phenomenal driving record. Props go to my lawyer...for getting me out of every ticket...no matter how retarded.
     
  10. --zeSto--

    --zeSto-- Veteran Member

    Joined: Jul 12, 2000 Messages: 6,979 Likes Received: 2
    go for a Honda Ruckus !

    http://www.hondamotorcycles.com/images/model/c028_029_030_031_photos_all/scooters/2003/Ruckus/Medium/Ruckus_medium_02.jpg'>

    look... even the ladies dig it!
    [img]http://www.hondamotorcycles.com/images/model/c028_029_030_031_photos_all/scooters/2003/Ruckus/Medium/Ruckus_medium_04.jpg'>
     
  11. SteveAustin

    SteveAustin Veteran Member

    Joined: Mar 12, 2002 Messages: 7,042 Likes Received: 2
    if the honda has too much power, go for the pedal version.

    [​IMG]
     
  12. --zeSto--

    --zeSto-- Veteran Member

    Joined: Jul 12, 2000 Messages: 6,979 Likes Received: 2
    did you not see the ladies digging the honda?

    why mess with very clear advertising?
    If you ride the ruckus, blonds and brunettes in pink shirts will try anyting to entice you to give them a ride.
     
  13. ubejinxed

    ubejinxed Veteran Member

    Joined: Apr 12, 2001 Messages: 7,543 Likes Received: 3
    that's because the girl on the right has uncomforable shoes on, and her friend is sick of listening to her bitch about her feet. so pretty much they are both willing to ride anything just to get home.
     
  14. Kr430n5_666

    Kr430n5_666 Banned

    Joined: Oct 6, 2004 Messages: 19,229 Likes Received: 30
  15. bug

    bug Guest

    god your only 18 and you want to tie yourself down with debt and years of bills. :spent:

    get a bike and a bus pass. save your money and travel to europe or something. new cars are so lame
     
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