Wrecked my FR-S, now can't afford insurance

[Gixxersixxerman]

Originally Posted by killerkid08

. No speeding, no driving while tired, no driving while texting, no driving while eating, no driving while using the phone, no driving while ...... blah. you get the point.

I don't think he does.. I didn't.. It was always fuck the police, for me doing stupid shit.. I'm guessing, this douche is the same way...

He just needs not to drive

[strat61caster]

Welp I feel a lot better about my one speeding ticket.

Sell car, stop driving, use bikes and buses and friends to get around, reduce your hours because your expenses just decreased dramatically and focus on school, good grades will reduce your insurance rates.

Simplify your life and figure yourself out.

[carbonBLUE]

Originally Posted by 636

Sell the car and get a bike and live without having to buy insurance.

Well actually in your case that might be 100x more dangerous.

Darwin's law is more effectiv than karma in this situation.

[Whitigir]

Originally Posted by Gixxersixxerman

I had 18 tickets between 18 and 24.. One in the last 11 years.. Driving on a unfamiliar road and didn't realize the speed dropped, took full responsibility for that..

How did I get so many tickets.. Stupidity.. My insurance rates were so high I couldn't afford it, so I drove with out insurance.. Few tickets for that, no money to pay them, warrant out for my arrest, arrested three times because of it.. Last time I almost lost my kids because of it, judge to,d me if I could be so irresponsible in my life, he hates to see what kind of father I am.. Decided to grow the fuck up, which sounds like you need to..

I learned, immaturity and irresponsibility, if you not trolling, and I don't see how your not, as I was under the impression all states had points based systems now and don't see how you have a license.. I truly hope you grow the fuck up, before you kill someone, or seriously hurt someone for your stupidity..

If you count all of the money on the receipts that you got from the tickets together with your increased premium insurance policy, you could have purchased a Viper, Corvette, or more, and still able to afford Insurance ! On a good side, you got to experience all of those mentioned above. I will say " Yooo rrrr KOO BRA"

@ the Op. If you are not trolling " YOO RR KOO BRA" But in all honesty, I am also glad that I don't live around you. How can you manage to pull off that much, and still have your license ? In Oklahoma ? Holy Hell!

I know being a good driver will protect me and my family, but it doesn't protect me and my family from driver like YOU

[CamryDS]

Originally Posted by jskurucz

WTF.

that was exactly what I was thinking!

[Zgrinch]

Actually, I think you have a bright future in motor sports....

[SmokeyDB]

You're the type of person that gives us young people such a bad driving rep. I honestly don't understand you could have so many tickets at your age. I'm 23, graduated from college last year and bought an FRS in November 2012. Us young drivers already have a bad driving rep and driving a sports car doesn't help at all. I had 1 wreck back in 2006 that was my fault and have never had a ticket (although I've been pulled over a number of times for fairly minor things like speeding and such). I'm not saying I'm the perfect driver cus I do like to take my FRS out and enjoy it but it's on back roads away from traffic for the most part. Hell, last night I rode out to the Sonoran desert, did a few high speed runs and had a pretty fun ride thru the desert. Difference is, I wasn't in a place that would put anyone else at risk and if I had wrecked.

I also ride a 2012 zx6r and live in Phoenix so we already have some pretty crazy drivers out here. I ride pretty aggressively but not to the point that I'm just being an asshole. The amount of times I've almost been hit by teenagers racing on the interstate is just ridiculous. Being completely honest, you seem like the stereotypical kid pulling out of a high school parking lot in a civic squealing tires and going 70mph down a surface street. Get a minivan and call it a day. I'm surprised that you haven't at least had your license suspended for a few months.

Keep the stupid driving for when you find some back roads that aren't very populated. At least then you'll only kill yourself.

[gily25]

Time to join the military...then you might qualify for USAA... other options...get a quote on 20 y.o married (usually cheaper) and get hitched. Either way you're about to sell your car or make a major life change. Welcome to adulthood pup.

[CamryDS]

Originally Posted by Joetheegyptian

Some background info:
-I'm 20 years old
-put all my money as a down payment ($5,000)
-I've had over 15 tickets and 4 wrecks (my fault) in the past 5 years. 3 of those tickets and 2 of the wrecks were in the past 3 years.
-Since I have a bad record, my dad has insurance on the car but I drive.
-I'm a full time student
-I work 55 hours a week making minimum wage.
-I've been leasing the FR-S for 7 months

So a few days ago I rear ended a car and caused 7k worth of damage to my love. Insurance is fixing the car but I will have to get my own insurance. I've gotten quotes at around $800 per month! As a student, I can't afford to pay over $1100 per month to drive this awesome car. Since this car is leased, what options do I have? I can't imagine working all summer to buy a POS Civic and still pay $300 per month for liability. I'd appreciate any kind of advice.

This is my thought of your situation:
1 - You don't buy a nice car EVER
2 - You work your ass off in school and get a good paying job and pay off your car properly
3 - Drop the insurance, get the money back and begin paying for your losses
4 - You need a car, we all know this, buy a geo metro and call it a day

I've been driving since I was 18, and till this day:

2 speeding tickets (Father was sick, dumbass cop | Traffic school, fought an won)
2 car accidents (only 1 was my fault at 18).

I'm not the perfect driver and by far have a horrible driving record IMHO. Though I for certain am not wishing you any bad luck. But when you got that many, you really gotta look at your driving style and think of it in retrospect, should you continue driving?

I hope you get everything together. Good luck! Stick to slower more economical cars.

[forzajuve]

get a long board for $200 and you're set.

[Joetheegyptian]

I'm not trolling. I drove a loud 5.7 liter Trans Am for the first 3 years I had my license. The first time I got pulled over I got 4 tickets.. Why are you people calling me a piece of shit? I'm going through enough shit as it is. I grew up and realized how stupid I was; I haven't gotten a ticket in almost 2 years. I'm going to read all these posts tonight and make a decision.

[Calidrifter]

Im not saying that it has anything to do with your screen name but...well, yeah...

Also you are so fucked its not even funny. My girlfriends brother is in a similar situation as yours and when I bought my FR-S I was given a form stating that neither I nor my GF would allow him to drive either of our cars.

Youll most likely have to talk your parents into covering the added amount. Or work another job. I hear Oklahoma is lacking in gigalos.

[HunterGreene]

Originally Posted by Joetheegyptian

I'm not trolling. I drove a loud 5.7 liter Trans Am for the first 3 years I had my license. The first time I got pulled over I got 4 tickets.. Why are you people calling me a piece of shit? I'm going through enough shit as it is. I grew up and realized how stupid I was; I haven't gotten a ticket in almost 2 years. I'm going to read all these posts tonight and make a decision.

Your stats don't leave much room for any type of forgiveness. We see 15 tickets, we think they are all for moving violations. Might want to include a breakdown of those tickets. However, your number of wrecks, if you are at fault for all of them, is inexcusable.

In all seriousness, buy something cheap to drive and to insure, and keep your head down for 5 years, so that most of that crap gets off of your recent driving record.

And find some religion, because the fact that you still have your license is a f*cking miracle.

[CamryDS]

Originally Posted by Joetheegyptian

I'm not trolling. I drove a loud 5.7 liter Trans Am for the first 3 years I had my license. The first time I got pulled over I got 4 tickets.. Why are you people calling me a piece of shit? I'm going through enough shit as it is. I grew up and realized how stupid I was; I haven't gotten a ticket in almost 2 years. I'm going to read all these posts tonight and make a decision.

No one is calling you a piece of shit. I think you got the wrong idea. If you're looking for sympathy, look elsewhere. The thing is -- we're not here as a support group to get you going and drive again. This place is for people who want to discuss about cars and how much they they care for it.

If you really love your car, you wouldn't have put it through what you did. Further more, if you cherish your life, get on a bus. Honestly, Regardless of what you had in the last 2 years, it does not clear you from the crap you had before that. Lay low, get something crappy -- sell the car or give it to another family member who is more responsible.

We all have a consensus in asking you to keep yourself safe by not driving for a while or driving something more considerate. Don't kill yourself, and don't kill any of us by running into us on the road.