Thank you to all the idiots....

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.

bleufiend · 03-03-2011, 09:23 PM

I have my 09 370z spt touring and wifey has a 11 Cooper S, we pay combined for 6 months 1771 for both cars. Im 27 and she is 28. It would be about 3-4 hundred cheaper if we still lived in central florida but upon moving to miami, no accidents, no changes in mileage or anything our rates jumped up. They go even higher if you move to within 3 miles of the coast, Im guessing because of the risk with hurricanes but I dont know.

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.

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.

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.

cajunz · 03-03-2011, 09:39 PM

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

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.

1325 · 03-06-2011, 10:30 AM

$702.96/6 months through Star & Shield Insurance Exchange. Just six months ago I was paying in the $800 range but it dropped significantly.

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 · 03-04-2011, 08:36 AM

If you get a speeding ticket do the article 894. It costs more than the ticket would be it won't go on your record as long as you don't get another ticket within the next six months. This speeding ticket BS is all about the money and nothing else.

ImportConvert · 03-04-2011, 08:38 AM

Quote:

Originally Posted by KaienZ34

If you get a speeding ticket do the article 894. It costs more than the ticket would be it won't go on your record as long as you don't get another ticket within the next six months. This speeding ticket BS is all about the money and nothing else.

I just got a tint ticket for $13X for 20% (17% metered).

They stalked me and followed me as I left my gym.

Now THAT is some BS.

Red__Zed · 03-04-2011, 08:45 AM

Quote:

Originally Posted by ImportConvert

I just got a tint ticket for $13X for 20% (17% metered).

They stalked me and followed me as I left my gym.

Now THAT is some BS.

It comes with the territory of having illegal tint.

wh1te370z · 03-04-2011, 08:41 AM

Quote:

Originally Posted by KaienZ34

If you get a speeding ticket do the article 894. It costs more than the ticket would be it won't go on your record as long as you don't get another ticket within the next six months. This speeding ticket BS is all about the money and nothing else.

the first ticket was crossing hazard lines (and it 3 effing points) and i have another hearing for a 78 in a 45. which is total bs bc it was a motorcycle cop and he wasnt even on his bike and SOMEHOW he clocked me. I think he clocked the guy infront of me bc i know i wasnt doing no 78. maybe 60 at most. butttt im not jacking this thread to talk about my tickets lol.

03-03-2011, 09:23 PM	#2 (permalink)
bleufiend Base Member Join Date: Jan 2011 Location: Miami, FL Posts: 200 Drives: 370z MB Spt/Tour 6sp Rep Power: 15	I have my 09 370z spt touring and wifey has a 11 Cooper S, we pay combined for 6 months 1771 for both cars. Im 27 and she is 28. It would be about 3-4 hundred cheaper if we still lived in central florida but upon moving to miami, no accidents, no changes in mileage or anything our rates jumped up. They go even higher if you move to within 3 miles of the coast, Im guessing because of the risk with hurricanes but I dont know. __________________ Z34 owner formerly Z33. OZOC FTW.

03-04-2011, 08:36 AM	#12 (permalink)
KaienZ34 A True Z Fanatic Join Date: Oct 2009 Location: LA. not L.a. Posts: 21,652 Drives: Z34 Tour/Sport Rep Power: 178	If you get a speeding ticket do the article 894. It costs more than the ticket would be it won't go on your record as long as you don't get another ticket within the next six months. This speeding ticket BS is all about the money and nothing else. __________________ *"These Violent Delights Have Violent Ends"* http://www.the370z.com/members/kaienz34-albums-z34.html

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03-03-2011, 09:39 PM	#8 (permalink)
cajunz Base Member Join Date: Apr 2009 Location: Vernal, Ut Posts: 92 Drives: '09 370Z MB 6MT Rep Power: 17	those rates are nuts. My yearly premium for full coverage is only $930.

03-06-2011, 10:30 AM	#10 (permalink)
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03-03-2011, 10:50 PM	#11 (permalink)
steveg78 Track Member Join Date: Apr 2009 Location: MD Posts: 569 Drives: 09 370Z PG M6 +Sport Rep Power: 18	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.