I currently own a 2006 apex silver mr my insurance is really expensive and I'm wondering if obo with a 2003 evo will it be cheaper?

 

Yes the rate for the 2003 evo will be lower because the car simply has less value being 3 years older.

Before switching cars however, try things that can reduce your rates such as taking a defensive driving course which lowers your insurance by 10% (that's what it is in NY for me) and the course also reduces points on your license which will in return, lower your insurance rates.

 

There are also good student discounts. So getting A's and B's do pay off.

 

I'm only 21, I have no points on my license its just expensive I guess ill look in too those clasess

 

But if its a lot cheaper in that case ill trade mine in for an 03 its just gonna be a lil bit tough cuz I have 104l miles and a existing loan left of 16500

 

it's not going to be enough cheaper to make it so you can afford the car. you'll save maybe 30 bucks a month, and if that's a make-or-break deal, you're cutting it a bit close owning an evo

 

Have you shopped around for insurance? I've noticed companies like Farmers will be cheaper than companies like Geico from past experiences. I can't remember how many insurance companies I shopped before I bought the EVO.

 

did your parents kick you off their policy? I'm guessing so otherwise insurance wouldn't be an issue...should see if you can convince them to put you back on, i pay $110 a month for an 06 and i rear-ended someone in june 2006

 

shop around... i went to progressive...saved 1k a year

 

I'll look around a lil bit more see wat comes up

 

+1 Geico dropped me because I had too many points, so I shopped around. I went with Amica which ended up costing half as much as Geico

 

OP, contact DeeezNuuuts83. He's the Evo insurance guy and he should be able to answer all your questions.

 

I had Progressive and was paying about $2,200/year (I'm also 21). Then I checked out Allstate and I pay less than half of that now. I was told it's because Allstate doesn't hate on the Evo having a turbo, so they just consider it between a sedan and a sports car, if that makes sense.

 

Shop around. I was with statefarm for 6+years because they had the cheapest sportbike insurance.... They raped me on the evo though... I switched to 21st century and I am saving over 40 bucks a month with a lower deductable and better coverage.

 

I'm in the same boat, State Farm is by far the cheapest for my liter bike, but they have made it clear they don't like the Evo. Still shopping...