Thank you to all the idiots....

KaienZ34 · 03-03-2011, 09:40 PM

Quote:

Originally Posted by steveg78

Yeah see that's the kind of stuff that's worthwhile for comparisons sake.. Here's mine:

Looking at yours, it looks like my coverage sucks.

It's the 2nd highest that allstate had to offer.

steveg78 · 03-03-2011, 09:43 PM

Quote:

Originally Posted by cajunz

those rates are nuts. My yearly premium for full coverage is only $930.

Jeffblue · 03-03-2011, 09:44 PM

Quote:

Originally Posted by SmoothZ

Rates are based on where you garage it, crime stats, etc per that zip code. Maybe he lives in a shitty area.

Quote:

Originally Posted by chuckd05

I'm 27 In NY not the cleanest driving record but not the worst and my premium with all state it 860 for 6 months. 500 deductible , million in liability, inj, etc ...

What company do you have?

I live in a crime free neighborhood in nassau county, on long island. my car is garaged. i have perfect credit, clean record (Driving and legally). aside from my age and gender i dont really have any material strikes against me that should make my rates high.

i think the biggest factor is if you are older or younger than 25. theoretically me and chuck should have similar insurance. same car, same area (more or less) but i'm 22 he's 27, and that costs me literally double his insurance.

steveg78 · 03-03-2011, 09:49 PM

Quote:

Originally Posted by KaienZ34

Looking at yours, it looks like my coverage sucks.

It's the 2nd highest that allstate had to offer.

Mine is the highest State Farm offered in DE. For a small increase I was able to significantly raise my limits which to me it was worth it. I realized I was getting less coverage for more $ when I moved here from NJ. My NJ insurance company limits were higher and my premiums were about the same.

That's what I was trying to explain to everyone here. Now at least some good has come out of this thread

Oh BTW, off topic but I noticed you dont have pics of your PG Z, did you sell it? I loved the Volk GT30s on that car.

OldGuy · 03-03-2011, 09:52 PM

I pay Nationwide $62/mo. for full coverage. Shop around. The car insurance business has become a buyers' market.

KaienZ34 · 03-03-2011, 09:58 PM

Quote:

Originally Posted by steveg78

Mine is the highest State Farm offered in DE. For a small increase I was able to significantly raise my limits which to me it was worth it. I realized I was getting less coverage for more $ when I moved here from NJ. My NJ insurance company limits were higher and my premiums were about the same.

That's what I was trying to explain to everyone here. Now at least some good has come out of this thread

Oh BTW, off topic but I noticed you dont have pics of your PG Z, did you sell it? I loved the Volk GT30s on that car.

Yeah the PG Z is sold

, but on the plus side i did steal all the modds off of it and put them on my PW Z and got the CF Amuse kit minus the wing. I'm looking at the VIP type 3 wing now.

Cmike2780 · 03-03-2011, 10:33 PM

Quote:

Originally Posted by Jeffblue

I live in a crime free neighborhood in nassau county, on long island. my car is garaged. i have perfect credit, clean record (Driving and legally). aside from my age and gender i dont really have any material strikes against me that should make my rates high.

i think the biggest factor is if you are older or younger than 25. theoretically me and chuck should have similar insurance. same car, same area (more or less) but i'm 22 he's 27, and that costs me literally double his insurance.

I live in the same area as you and my insurance went way down when I turned 25 (30 now). When I bought my first car, an 89 Jeep Cherokee with over 160k miles on her, my insurance was about $1000/6 months. I had paid $3,500 for the car. Insurance companies hate young drivers in general, which is understandable. Most are horrible drivers, which sucks for young responsible drivers.

Jeffblue · 03-03-2011, 10:44 PM

Quote:

Originally Posted by Cmike2780

I live in the same area as you and my insurance went way down when I turned 25 (30 now). When I bought my first car, an 89 Jeep Cherokee with over 160k miles on her, my insurance was about $1000/6 months. I had paid $3,500 for the car. Insurance companies hate young drivers in general, which is understandable. Most are horrible drivers, which sucks for young responsible drivers.

it honestly just seems totally random to a certain extent. one would think a 94 300zx twin turbo would cost more to insure for a 22 year old than an 89 cherokee, but alas, it makes no sense. the quote i got for the 300 is 645, which is less than the thousand you paid for the cherokee.

steveg78 · 03-03-2011, 10:50 PM

FWIW I pay more for my 2003 Jeep dd than I do for my Z pleasure vehicle. And even if the Z wasn't listed as a pleasure vehicle the Jeep would still be more. SUVs are not all cheap to insure.

KaienZ34 · 03-03-2011, 10:51 PM

Quote:

Originally Posted by Jeffblue

it honestly just seems totally random to a certain extent. one would think a 94 300zx twin turbo would cost more to insure for a 22 year old than an 89 cherokee, but alas, it makes no sense. the quote i got for the 300 is 645, which is less than the thousand you paid for the cherokee.

When i first went to allstate from my last insure. com. they told me the only car on their uninsure list was the 300zx i don't remember the year of the Z. They said it was due to it's poor performance in the crash test, and higher theft rate.

Cmike2780 · 03-03-2011, 10:52 PM

Quote:

Originally Posted by Jeffblue

it honestly just seems totally random to a certain extent. one would think a 94 300zx twin turbo would cost more to insure for a 22 year old than an 89 cherokee, but alas, it makes no sense. the quote i got for the 300 is 645, which is less than the thousand you paid for the cherokee.

I was 17 at the time. No credit whatsoever and less than a year of driving, so that might have had something to do with it.

Jeffblue · 03-03-2011, 10:58 PM

Quote:

Originally Posted by KaienZ34

When i first went to allstate from my last insure. com. they told me the only car on their uninsure list was the 300zx i don't remember the year of the Z. They said it was due to it's poor performance in the crash test, and higher theft rate.

hm maybe it was an 80s model? geico seemed to have no issue with it.

ImportConvert · 03-03-2011, 11:01 PM

Quote:

Originally Posted by SmoothZ

The "25" years old myth is really based on the fact that everyone supposedly gets a license at 16 and drives for 9 years before they get a discount. Other discounts include home owners, life, and multiple car insurance. I have all of those including law enforcement discounts.

My insurance dropped substantially when I turned 25. I got my license at 17 or 18 I think. Got it while living in TX.

Isamu · 03-04-2011, 03:05 AM

Quote:

Originally Posted by ImportConvert

My insurance dropped substantially when I turned 25. I got my license at 17 or 18 I think. Got it while living in TX.

dude that drop was amazing... I had an 01 eclipse GS(t) and a 98 GSX and I was paying the same as i am now, I hit 25 and it dropped to like 95 bucks a month

wh1te370z · 03-04-2011, 07:31 AM

if it makes u feel any better i pay 4200 a year

03-04-2011, 07:31 AM	#165 (permalink)
wh1te370z Track Member Join Date: Jul 2010 Location: New York, Long Island Posts: 559 Drives: PW Base Sport 6 Spd Rep Power: 15	if it makes u feel any better i pay 4200 a year __________________ 1998 BMW 328is... Track Build 2010 White 370z.... sold

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03-03-2011, 09:52 PM	#155 (permalink)
OldGuy Base Member Join Date: Dec 2009 Location: Greensburg PA Posts: 899 Drives: '09370Z Red Base A7 Rep Power: 16	I pay Nationwide $62/mo. for full coverage. Shop around. The car insurance business has become a buyers' market.

03-03-2011, 10:50 PM	#159 (permalink)
steveg78 Track Member Join Date: Apr 2009 Location: MD Posts: 569 Drives: 09 370Z PG M6 +Sport Rep Power: 17	FWIW I pay more for my 2003 Jeep dd than I do for my Z pleasure vehicle. And even if the Z wasn't listed as a pleasure vehicle the Jeep would still be more. SUVs are not all cheap to insure.