Thank you to all the idiots....

m4a1mustang

Why the **** is your 6 month policy that high to begin with? Even 1200/6 is ridiculous.

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Red__Zed

Location, probably. Z's are expensive to insure as well.

Geico tried to add on the same rate adjustment for me. I told them I'd go somewhere else, and they kept my current rate. Worth an ask.

Side note: Current 6 months prem is like 777, with a mustang it drops to 300.

I'll join you in offering a collective to all those who have jacked up our insurance rates.

m4a1mustang

My 370 started at 95 a month then progressively stepped up to 125 when all the morons kept crashing them.

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ImportConvert

+1 !!!

I'm 25 and have a '11 Z06 with free replacement of said Z06 with a new Z06 within 3 years (Say, in 2013, if someone T-bones it and totals it, I go to the showroom and pick a new one and Allstate cuts the check, cool deal! I suggest it.), accident forgiveness, comprehensive with $500 deductible, and my 6 month premium is only $1200.

Jeffblue

thats nice coverage. i believe the age at which you are no longer an irresponsible, reckless moron is 25 though (in the eyes of insurance companies)

i think its a combination of geico being a ripoff, me being young, living in NY... and i dont know. i havea clean driving record. no accidents or tickets since i'm 17. but apparently that doesn't mean anything.

whoady4shoady

I find that hard to believe considering we have the highest rates in the country. I am with statefarm and I pay 1200 every 6 months for just the z with every discount imaginable except for being married. im 28 by the way in NOLA.

ImportConvert

Yeah, I was with State Farm until they told me they wanted $242/mo and their policy wasn't near as good as Allstate's.

I could have only paid $142 a month if I didn't want accident forgiveness or free 3-year new car replacement.

Maybe you owe your local Allstate agent a phone call. State Farm is a good company, but so is Allstate, and they are a LOT cheaper on sports cars. I paid more for my old trans am with State Farm than I am this new Z06 with Allstate.

The rate for my daily driver (G20) was only a few bucks difference between Allstate and Statefarm, fwiw.

whoady4shoady

I called allstate yesterday, and for the exact same coverage that I would have with statefarm, they wanted $650 more every 6 months. I dont have any idea what allstate agent you found. I gues it is cause i live in New Orleans.

ImportConvert

I found one who knows how to apply the discounts to maximum effect. She is the daughter of the guy who sold me my Z06 at the dealership.

Dustin@Z1

For arguements sake....ask most guys who work in body shops who they use for their personal car insurance. From my personal experience, majority will respond with State Farm. You may pay a little more, but they are ALOT better about replacing damaged parts with New OEM pieces (this is a huge deal for me with both my truck and my two Z's) and are much easier to work with.

Companies like Geico will try to nickle and dime you on repairs and will attempt to replace damaged parts with used or repaired pieces. I spent 4 months argueing with their home office trying to get my '06 Dodge fixed correctly.

Again, thats my personal experience.

christian370z

I had this exact experience which is why I switched to State Farm. Not only did my rates go down dramatically, but coverage is much better and customer service is ten times better.

That said, it does suck paying so much for insurance at 20 years old when I have no tickets, no accidents, safe driver discount, good student discount, and I did a private driving school. Unfortunately, you end up paying for other people in our age range that are not as careful and seem to be carefree with their driving style in comparison.

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shadow2k

I use Geico because of the website options. I'd hope by now that all these insurance companies have the same options they do, but Geico used to be the only one you could go online, change up your coverages on the fly, print your own docs, and totally bypass the agents. I still do it every year, dropping down coverage in the winter, bumping it back up in the spring.

I'd guess that most insurance companies are a pain to deal with when you file a claim. I had State Farm years ago when i totaled a vehicle. Not a pleasant experience, but I'm guessing no worse than any other company would be. I basically had to leave though, based on the new rates they gave me after the wreck, which wasn't even my fault. I haven't had to file a claim in over 15yrs now, so no clue how Geico works in that regard, and hopefully I'll never know.

Xander117

USAA all the way

SmoothZ

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

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Econ

i live in a rather wealthy long island neighborhood...my car is garaged as well....and you can look at all the **** rates i received as well.

im 21/m/single live on long island, have a nice job, etc... they all told me they dont care because I'm 21 and have a sport car, and they "know how we drive"