Polo Insurance...What do you pay??

[Blitzen]

I was just having a discussion about insurance with a mate, and was curious to know what people pay and who they go through.
I am with TIO(NT Insurer), I am 26, with rating 1 for life, live in a decent suburb, and I pay $520 per year for full comprehensive.

[VW GTI]

AAMI
Low risk suburb
22yrs
Rating 1

$686/year with normal excesses.

[Ben_GTI]

AAMI
Low risk suburb
22yrs
Rating 1

$686/year with normal excesses.

Wtf?? are you sure you didn't mean 32yrs old?

I banged it through the aami quoter (yes they will actually insure me now) and it came out at $2707 for a 22yr old.

22yr old
Nil traffic offences, thefts etc
Not modified (unfortunately)

Anyway I have the Polo and the Golf insured with Shannons for $2300 all up. If I just have the Polo it is around $1890 *i think*.

[VW GTI]

22yrs. With AAMI.

[Koz]

Im 23 years old with no traffic infringments or claims with a NCB of about 60% and pay $1050 a year with AAMI.

[Blitzen]

Jesus...You guys are paying through the bum...I have a less than glowing infringement list(very less than glowing), and only pay $48 a year more than the Barina SRi that I traded up from. I even get one free windscreen and one free windscreen repair a year.

[VW GTI]

I'd be hoping in 4 years I'm paying less than you. But you do live in NT, that would be a major factor.

[572]

21y.o, no insurance history, turbocharged vehicle - $850 per year with AAMI

[Blitzen]

I was with RACV when I spent the last four and a half years posted in Victoria, and I thought I was on a great wicket with them, but coming up here did drop my premium alot, and I was very surprised when they told me the yearly premium, plus I don't pay any extra for pay by the month. Based on that, I really didn't think that the fact it turbo'd made that much of a difference, but obviously I was wrong.
I have found that my driving history hasn't an effect on any insurance I have had(I have never lost my license for speeding or drink driving, but have lost enough points over the years to have lost my license 3 times ). Has anybody else found this?

[Bubu]

27 year old, lost my licence (by demerit points) and I live in high risk area. I pay $1,400 through ING.

[Koz]

One of the major factors is where the car is garaged and if its in a higher risk area or not.

[Ben_GTI]

If we are going to get an accurate picture, people should really say whether it is 3rd party or full comp.

[Blitzen]

I'm Full Comprehensive.

[572]

Full Comprehensive

[Koz]

Fully comprehensive.

But also two other factors that needs to be considered and that can change yearly premiums is if they have an agreement to pay a lower premium for a higher excess if they need to claim and if people are paying a one off payment or monthly repayments as this pushes prices up.

I pay monthly and have the normal excess.