To drive the Evo or not to drive the Evo - that is the question
Just got my policy started via Progressive with the new evo.Its a 2005 TB evo 8 and Im in south florida.Im 22 years old, with no accidents in the last 5 years and only 2 tickets(seatbelt and indash tv) which were non-moving a year ago.My policy is $258 across the board every month which equals $3,096 annually.Nothing down, no more no less.Youre paying WAY too much IMHO.
My old policy with my 03 monte carlo was with FED USA(crappy company) and when I got their quote for the evo I laughed in the reps face.It was like $830 down and $495 a month for 9 months.I asked if them or anyone else could do better and they said that was the bare minimum.This took the Evo out of my future.Thank god I called progressive for a ****z n gigglez quote.It was so good I took it and got my Evo.
As for the poster of this thread, I say drive it or rid of it.Otherwise you have all the answers to your own questions.
Last edited by ImJoey; Jun 4, 2007 at 12:52 PM.
Just got my policy started via Progressive with the new evo.Its a 2005 TB evo 8 and Im in south florida.Im 22 years old, with no accidents in the last 5 years and only 2 tickets(seatbelt and indash tv) which were non-moving a year ago.My policy is $258 across the board every month which equals $3,096 annually.Nothing down, no more no less.Youre paying WAY too much IMHO. My old policy with my 03 monte carlo was with FED USA(crappy company) and when I got their quote for the evo I laughed in the reps face.It was like $830 down and $495 a month for 9 months.I asked if them or anyone else could do better and they said that was the bare minimum.This took the Evo out of my future.Thank god I called progressive for a ****z n gigglez quote.It was so good I took it and got my Evo.
As for the poster of this thread, I say drive it or rid of it.Otherwise you have all the answers to your own questions.
My old policy with my 03 monte carlo was with FED USA(crappy company) and when I got their quote for the evo I laughed in the reps face.It was like $830 down and $495 a month for 9 months.I asked if them or anyone else could do better and they said that was the bare minimum.This took the Evo out of my future.Thank god I called progressive for a ****z n gigglez quote.It was so good I took it and got my Evo. As for the poster of this thread, I say drive it or rid of it.Otherwise you have all the answers to your own questions.
Thread Starter
Evolved Member
Joined: Dec 2004
Posts: 660
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From: Fresno, CA
I'm a math professor at West Hills College. $120K per year may sound like a lot for that particular profession, but I've been doing it for a long time, I teach a lot of overload courses, and I don't have summers off.
Last edited by ImJoey; Jun 4, 2007 at 02:54 PM.
im 18 years old and had a 13k$ accident that was my fault my first day with my liscense and I am paying 880 every 6 months with full coverage 500 deductible
I cant figure out why its so cheap and the coverage is well above minimum, maybe its because the car is in my mothers name idk either way Im satisfied with my insurance rates
If you have that much money keep the evo on the premium, its only 900 every 6 months and drive it weekends and when ever you get the urge
I cant figure out why its so cheap and the coverage is well above minimum, maybe its because the car is in my mothers name idk either way Im satisfied with my insurance rates
If you have that much money keep the evo on the premium, its only 900 every 6 months and drive it weekends and when ever you get the urge
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Joined: Dec 2004
Posts: 31
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From: Sacramento, CA
I would have a hard time resisting driving my Evo to Coalinga from Fresno at least a day or two a week. Some awesome roads thereabouts. Heck, I might even have to take a detour to Los Gatos Creek Road or over to Paso Robles on 198. Evo roads for certain in the land of the Arroyo Pasajero.
I understand your plight to a degree. My Evo is a bit of a garage queen as I have had it since 11/04 and it has 19,000 miles on it. I bought it for track days and weekend fun. My insurance is about $600/6mo which is less than my 01 Suby RS which is my daily driver. Go figure.
Since your Evo is already somewhat high mileage, I would just drive it and enjoy it. Evos are good track cars, but I think they are even better real world cars. Sell the Toyota as is has bad "karma" due to the circumstances of why you now have it!
Best of luck.
I understand your plight to a degree. My Evo is a bit of a garage queen as I have had it since 11/04 and it has 19,000 miles on it. I bought it for track days and weekend fun. My insurance is about $600/6mo which is less than my 01 Suby RS which is my daily driver. Go figure.
Since your Evo is already somewhat high mileage, I would just drive it and enjoy it. Evos are good track cars, but I think they are even better real world cars. Sell the Toyota as is has bad "karma" due to the circumstances of why you now have it!
Best of luck.
I think I'd go full on the Evo and just daily drive it. Why not if your paying for it I would say. Better off then just having it garaged and still paying. I couldn't drive my Evo for 1 day took out a Honda accord. Boy was i having withdrawals wanted back in the EVO so bad. Dunno what the Corolla S feels like but the evo actually makes me look forward to the drive to work and home. Even though mpg sucks on it compared to 40mpg just the price one pays in order to enjoy the ride
i guess the caveman is not that stupid, my advise change insurance cuz your getting ripped off
Here's the deal. A little over a year ago, I bought my former wife a new 2006 Toyota Corolla S because she wanted out of her minivan. I had to put the car in my name because I'm the one who financed it. I've been paying $411/mo. plus $182/mo. for her insurance. Anyway, I took the car back a few weeks ago and she got her own car and insurance (long, sordid story). So now I have the following vehicles: 2005 Evo, 2006 Toyota Corolla, 2006 Honda Pilot. The Corolla gets 41 mpg on the highway. I told Geico (my insurance company) that it would be my primary commute vehicle from now on, and that the Evo would be driven rarely. Still, with the lowest annual miles per year that they would allow, the Evo is costing me about $900 every six months - and that's with a good driving record, government employees discount, etc. I asked Geico whether there is anything that I can do to lower the Evo premium, and they told me that they have a storage policy. They allow 4 miles per month, I continue to pay the full premium, and at the end of the storage period (which could last as long as I want), I would receive a retroactive 70% discount on the premium for the Evo. For example, if I don't drive the car for six months and then start again, I would have $630 applied to my policy.
I can't get rid of the Evo (not that I'd want to), and the Corolla would cost me about $4K to get out of. The Evo is currently in "storage" and I'm driving the Toyota. I will save at least $250-$300 per month by NOT driving the Evo (gas, insurance, wear and tear and depreciation). It's all or nothing with Geico - 4 miles per month or pay full premium. Given that I have to keep both the Corolla and the Evo for now, I'm wondering whether some of you would chime in about what you'd do. No idiotic "I can't believe you care about $300 per month why do you own an Evo dude you're a moron" comments, please. I can easily afford the price difference. I miss the Evo terribly. She's been sitting in the garage for about two weeks, though I took her out for a quick spin yesterday. Still, $300 is $300. Any thoughts, especially from those who's Evos are garage queens?
I can't get rid of the Evo (not that I'd want to), and the Corolla would cost me about $4K to get out of. The Evo is currently in "storage" and I'm driving the Toyota. I will save at least $250-$300 per month by NOT driving the Evo (gas, insurance, wear and tear and depreciation). It's all or nothing with Geico - 4 miles per month or pay full premium. Given that I have to keep both the Corolla and the Evo for now, I'm wondering whether some of you would chime in about what you'd do. No idiotic "I can't believe you care about $300 per month why do you own an Evo dude you're a moron" comments, please. I can easily afford the price difference. I miss the Evo terribly. She's been sitting in the garage for about two weeks, though I took her out for a quick spin yesterday. Still, $300 is $300. Any thoughts, especially from those who's Evos are garage queens?
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Joined: Apr 2007
Posts: 35
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From: Venice, FL
It seems that your goal is to save money and still enjoy driving. My best-bang-for-the-buck choice was to buy an Evo and use it as my only daily driver. A few bolt ons later, and I actually look forward to driving to work! My wife will reluctantly share her car in an emergency, but I can't afford extra cars for myself with all their ownership costs. How much Toyota driving would it take for the difference in gas mileage pays for those costs? And then there's the money from the sale of two cars as a further offset.
Besides, every time you take off in the Toyota or the Honda, don't you really wish you were driving the Evo? You know you do.
Besides, every time you take off in the Toyota or the Honda, don't you really wish you were driving the Evo? You know you do.
Thread Starter
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Joined: Dec 2004
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From: Fresno, CA
For those who haven't read my responses earlier in the thread, I got Esurance for all three cars and saved a good chunk of money. The Toyota I use to communte to work, the Evo for occassional fun and the Pilot to haul around the family. After crunching the numbers, it is more prudent to keep all three cars. The Toyota (which is actually pretty nice to drive) gets over 40 mpg on regular gas. Plus, it's always good to have an extra car in case one of them breaks down. Anyway, full coverage for the three cars is about $1350 every six months, which is not too shabby. I never thought I'd be the kind of person who owned an extra car, but it's cool and I can afford it. Besides, my oldest daughter turns 16 this year. I may let her drive the Toyota when the time comes.
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Joined: Mar 2005
Posts: 454
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From: Warsaw, Indiana
Honestly, you need to just find another insurance company. Geico is the worst. I understand that insurance rates are contingent on many different things such as geography and what not, however, I use to have Geico and getting rid of it was the best decision I ever made.
I was paying $350/month with Geico. One day I got a letter in the mail saying that they were cancelling my policy due to non-payment. I called them and informed them that I did pay my bill on time and that I could see the transaction deducted from my bank account. I was unknowingly driving around for four days without insurance. They apologized for the mix up and reinstated my insurance. As they were doing that they noticed a ticket I had that was pending and not yet fully dealt with. They wanted to raise my rate $750/month. I told them to go to hell. Now, I have Esurance and my rate is $230/month with full coverage just the way I had with Geico. I have only heard good things with Esurance although I don't know how easy it will be to deal with them in the event that a claim needs to be made due to the fact that it is an internet based company. Either way, it couldn't be worse than Geico.
I was paying $350/month with Geico. One day I got a letter in the mail saying that they were cancelling my policy due to non-payment. I called them and informed them that I did pay my bill on time and that I could see the transaction deducted from my bank account. I was unknowingly driving around for four days without insurance. They apologized for the mix up and reinstated my insurance. As they were doing that they noticed a ticket I had that was pending and not yet fully dealt with. They wanted to raise my rate $750/month. I told them to go to hell. Now, I have Esurance and my rate is $230/month with full coverage just the way I had with Geico. I have only heard good things with Esurance although I don't know how easy it will be to deal with them in the event that a claim needs to be made due to the fact that it is an internet based company. Either way, it couldn't be worse than Geico.
