Thank you to all the idiots....

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.

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.

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.

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