im 19 i have 5 accidents on my reccord and 3 werent my fault.i've been through 3 cars and this is my 4th one...i also have about 4 tickets that are on my record but i've gotten like 10.i just recently got off a year probation so i have 0/12 points.and full coverage insurance for me alone would be around 400 a month with ny neon....

 

i think i pay a little over 400 every six

 

Im 18, on my dad's policy full coverage $82 a month. Not sure how much that'll go up if we claim or not.

PICS of the DAMAGE

 

Looks like you tore the spindle/hub away from the lower arm, for starters. Been there. As far as body damage, it doesn't look too bad... If you can get away with NOT claiming it, then fix it yourself. I would guess a new lower arm, bushings, ball-joint, CV-shaft, hub w/bearing, and probably a new brake caliper, rotor, and pads are in order... and obviously an alignment when it's all done.

I personally wouldn't claim it... you'll pay much more for insurance in the long-run of you do, between the deductable and monthly payments.

 

**** i get rapped on insurance for me im 18, one wreck(car fire) and have a ticket for doing 118 in a 65 so liablity for me is about 162 a month

 

You're lucky they didn't pull your license...

 

Yeah, you are lucky you didn't get the license pulled for that. The reason you guys are paying so much/month is the insurance companies believe you are a higher risk. I used to do stupid stuff when I was your age...I don't do it as much anymore cause it costs me too much money. LOL. Or else I'd probably still be doing it too. I pay around 85/month for full coverage. Can't wait til my speeding ticket falls off of there....

 

Same here... when I was 19, 20, etc... I did some REALLY dumb stuff while driving. Looking back, I was too reckless and would never pull some of that stuff nowadays (like going 120 mph in an F150 during a snowstorm just to get to some booty). And looking back, the booty wasn't worth it lol. I'm almost 28 now, and I pay $78 amonth for full coverage... believe me, keep your record clean, that way when you turn 25, your insurance rates will drop like a rock.

 

yea i have heard that Iowa about wait till im 25, but yea I had to go on traffic probation cause of that ticket

 

i pay 72 a month for 2 cars and my neon is full coverage and i used to average 2 speeding tickets a year i still have 6/12 points on my lic. but ever since i bought a F.O.P. sticker and put on my car i have had nothing but warnings when i get pulled over, and i can't even add up all the warnings i have gotten,i pay 25$a year i donate to the F.O.P.