Yeah when you think about it the money you spend on insurance so your safe if police pull you other, you could spend that on modding your car so they cant catch you:)

What I cant quite seem to get a grasp of is the concept of chargin you guys more for you mods... Granted I can diffently understand that have mods done to your car would make some people drive recklessly.. but when you think of terms of suspension and performance... you are less likely to get into an accident in a vehicle that has really good response and control verses a car that you just point it in the direction you want to go and hope no one hits you >>

Yah, I'm with neverstop. I guess it might make sense if they're actually insuring your car for more $$ in proportion to the mods, but damn. In the US you can claim mods and insure them for an additional value past the value of the car, but its pricey and you obviously have to already be paying out the ass for full coverage.

I pay 110 a month for full on my 1998 gt with rims insured as well. I'm 19, been in an at-fault accident, and a few tickets. Those should all be off my record now and the accident is too. The maximum I was paying was 160 a month on liability but that was because they didn't know one of my tickets was dropped.

In the USA how long does it take for a ticket/points to come off??

In the UK its 5 Years!
And whats more funny is they call it conviction sounds like your a crimeal.

tickets here I think are either a year and a half or 3 years, and accidents are 3-5 years... thats California.

And so you all know, here in the US in states that require insurance you can either have liability insurance or PROVE financial responsibility, meaning if you have like 100k in the bank then thats your insurance.

and also, im not sure exactly how much my policy is alone, but using Progressive.com full coverage for me every 6 months would be $2000... 4k a year. >>

This post has been edited by Chrobis: Nov 24, 2003 - 3:39 PM