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

[GNS]

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.

Sounds like you need an invention we call the bicycle. Might I suggest adding the training wheels option, since it is obvious that you have no spatial awareness and/or caution.


damn it, asmallchild beat me to it by 3 mins

[Asphalt~86]

I'll probably get banned for this one too...

Quit driving like a douche nozzle.

[naikaidriver]

Originally Posted by Joetheegyptian

I don't know anybody else my age who works as hard as I do.

When I was your age I was busting my butt on the flight deck of the USS Belleau Wood for 16 hours a day while at sea. You aren't getting any sympathy from me.

You are irresponsible, your actions prove that, and your desire to bring this circus to public display on the internet shows your lack of common sense.

You have a long way to go son. and you're not off to a very good start to your life.

Scott

[sho220]

Originally Posted by Joetheegyptian

I'm only using my parents name, NONE of their money. I'm not spoiled because I work hard for everything. My parents had a '91 Camry to offer me but I said F*** that, I'd rather work my ass off between classes and get a nice reliable car. People assume that I'm on my 4th car, but the FR-S was my 2nd. All the other wrecks were very minor..I bought the Trans Am for $2800, got in 3 wrecks and didn't fix it, then sold it for $2500. I don't know anybody else my age who works as hard as I do.

You can work as hard as you want, but your piss poor judgement is going to torpedo any benefits gained by busting your ass...

[briang0901]

Originally Posted by SmokeyDB

You caused $7k worth of damage to just your car so I'm assuming you were driving a decent speed when hit the other person.

In fairness to the OP you can do over 9k damage at 15mph or less. This is proven from my NO Fault wreck back in Feb. Not saying he wasnt speeding but it doesnt take much to crumple the car, and parts aint cheap.

To the OP, you might want to consider selling your FRS and get an econobox for a few years.

[HunterGreene]

Originally Posted by Joetheegyptian

I'm only using my parents name, NONE of their money. I'm not spoiled because I work hard for everything. My parents had a '91 Camry to offer me but I said F*** that, I'd rather work my ass off between classes and get a nice reliable car. People assume that I'm on my 4th car, but the FR-S was my 2nd. All the other wrecks were very minor..I bought the Trans Am for $2800, got in 3 wrecks and didn't fix it, then sold it for $2500. I don't know anybody else my age who works as hard as I do.

Congrats, you are a hard worker. BUT, you also suck at explaining all these past issues, which you are getting the end result of now.


Also, to the sentence I emboldened: Too bad the car didn't have a nice reliable driver. Also, the '91 Camry was a bulletproof car. Granted, its a 22 year old car now, not many remain. But at least you wouldnt be getting flamed for being a reckless driver in that as opposed to a car that the majority of owners here love.

[briang0901]

Originally Posted by naikaidriver

When I was your age I was busting my butt on the flight deck of the USS Belleau Wood for 16 hours a day while at sea. You aren't getting any sympathy from me.
Scott

Your an Old Salty Dog to have served on that carrier, thanks for your service, I'm a Flight Deck guy myself.

[Re_Invention]

Originally Posted by Joetheegyptian

My parents had a '91 Camry to offer me but I said F*** that... I don't know anybody else my age who works as hard as I do.

[NomoreNA]

Public Transportation /end thread

[Ryeong86]

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.

Well let's see Joetheegyptian, it couldn't possibly be that you are not responsible enough to drive a vehicle on the road based on your driving history. Your accidents and tickets in the last 3-4 years proves that you just reckless behind the wheel. By you having an accident drives up insurance premiums for everyone but you wouldn't understand that. You can't expect anyone on the forums to feel sorry for you since you drive irresponsibly.

You might as well stare at your FR-S in the driveway until you have to turn in the lease.

[CamryDS]

Originally Posted by ChristosG

Um, you know anti-Semitic implied he made a comment about Jewish people right? I don't recall any anti-Semitic comments being made.

I know it's primarily for Jewish people, but there's no real reference that I can find close enough to describe that comment.

(strike that --
racial discrimination
)

Appreciate you pointing that one out.

[GNS]

Originally Posted by sho220

[ame="http://www.youtube.com/watch?v=S44-Ls7mC7Y&feature=player_embedded"]Denisa Rosolova, Strong, fast and so beautiful! a Czech 400m runner - YouTube[/ame]

I followed that video, watched this linked video and will forget all about this thread for the next 10 mins

[Tromatic]

The insurance company has realized your inability to learn from your mistakes. Stupidity is a hobby that requires lots of money. Just go ahead a drive without insurance, we all know you are going to anyway. Just DO NOT smash anyone I care about.

[Sigh-on-Rice]

Originally Posted by Joetheegyptian

I'm only using my parents name, NONE of their money. I'm not spoiled because I work hard for everything. My parents had a '91 Camry to offer me but I said F*** that, I'd rather work my ass off between classes and get a nice reliable car. People assume that I'm on my 4th car, but the FR-S was my 2nd. All the other wrecks were very minor..I bought the Trans Am for $2800, got in 3 wrecks and didn't fix it, then sold it for $2500. I don't know anybody else my age who works as hard as I do.

I think you don't understand the word "wreck".