Insurance Question

onzedge · 03-20-2011, 02:29 PM

Quote:

Originally Posted by 370zlove3

My friend who is under 25 asked me a similar question the other day but I couldn't answer his question.

His insurance is with State Farm along with his parents and siblings. Don't the insurance people usually ask who would be the main driver of the said car?
So say if he bought a 370Z and with his insurance, claim that his father would be the main driver, would his insurance rate be raised?

That is a fine approach until you get caught. Why not just be honest? There is too much deception in the world already.

Nismo89 · 03-18-2011, 08:18 PM

right now i pay once a year around 1000, i was thinking the worst, im 21... and want a sports car, so im thinking thousands of dollars.. here

-I have a Clean Driving Record
-Never drink
-never ever speed
-Credit score is very high..

NCSUPACK09 · 03-18-2011, 08:33 PM

I have USAA, but talked to Traveler's just for kicks because they have a deal through my credit union. They gave me a pretty good deal (~1100/year), but the customer service with USAA is awesome and it wasn't very much better than what I pay now. Unfortunately, there are so many factors that go into the quote that this probably wont help to much, but your description is pretty similar to me other than I am married (which helps lower the quote).

Ish · 03-19-2011, 12:42 AM

Quote:

Originally Posted by NCSUPACK09

I have USAA

I'm still about 6-7 months away from my Z (friggen Afghanistan job rotation), & I just got off the USAA website a few hours ago, & I was quoted $120 p/month. My fiance had a claim last year, & this will be a third car.

NCSUPACK09 · 03-19-2011, 07:03 AM

Quote:

Originally Posted by Ish

I'm still about 6-7 months away from my Z (friggen Afghanistan job rotation), & I just got off the USAA website a few hours ago, & I was quoted $120 p/month. My fiance had a claim last year, & this will be a third car.

Yeah, USAA is competitive, but probably won't have the absolute best quote. The thing is with a lot of the other insurance providers is that you may get a lower quote, but when you actually get in an accident that's when you will pay (literally and figuratively)!

brado · 03-18-2011, 08:42 PM

im 23 with a clean record and i only pay 91/month with nationwide.

Nismo89 · 03-18-2011, 08:45 PM

i just got off the phone with all-state and they gave me a estimate of 1,118.42 every 6 months.

WITH clean driving record
excellent credit...

Red__Zed · 03-18-2011, 08:54 PM

Quote:

Originally Posted by Nismo89

i just got off the phone with all-state and they gave me a estimate of 1,118.42 every 6 months.

WITH clean driving record
excellent credit...

Call around some other places. That's on the high end, but not out of line, depending on your age. Being 20ish miles from DC doesn't help either.

Nismo89 · 03-18-2011, 09:14 PM

geico gave me a qoute around over 2 grand for 6 months

Red__Zed · 03-18-2011, 09:17 PM

Quote:

Originally Posted by Nismo89

geico gave me a qoute around over 2 grand for 6 months

How old are you?

Also, your story makes it sound like you don't have a pristine record.

brado · 03-18-2011, 09:21 PM

what is the average. i think i have really cheap insurance? cheaest i have found anyway

brado · 03-18-2011, 09:59 PM

Quote:

Originally Posted by brado

what is the average. i think i have really cheap insurance? cheaest i have found anyway

thats what im saying...most people on this thread seem like they have high insurance. how come i have cheap insurance when im so young?

Red__Zed · 03-18-2011, 10:00 PM

Quote:

Originally Posted by brado

thats what im saying...most people on this thread seem like they have high insurance. how come i have cheap insurance when im so young?

what are your coverages?

esfourteen · 03-18-2011, 09:43 PM

it's a sports car, you're under 25 and you haven't had your own policy for more than 2-3 years = $$$. only thing that I loved about turning 25 was the massive drop in insurance.

Nismo89 · 03-18-2011, 09:44 PM

im 21

03-18-2011, 08:33 PM	#3 (permalink)
NCSUPACK09 Enthusiast Member Join Date: Jan 2010 Location: Somewhere Posts: 407 Drives: '10 370Z MB 6MT SP Rep Power: 16	I have USAA, but talked to Traveler's just for kicks because they have a deal through my credit union. They gave me a pretty good deal (~1100/year), but the customer service with USAA is awesome and it wasn't very much better than what I pay now. Unfortunately, there are so many factors that go into the quote that this probably wont help to much, but your description is pretty similar to me other than I am married (which helps lower the quote). __________________ 2010 Base 370z Magnetic Black 6MT SP Mods: Bone Stock

03-18-2011, 09:43 PM	#14 (permalink)
esfourteen A True Z Fanatic Join Date: Mar 2010 Location: LI, NY Posts: 1,375 Drives: 40th TT Rep Power: 19	it's a sports car, you're under 25 and you haven't had your own policy for more than 2-3 years = $$$. only thing that I loved about turning 25 was the massive drop in insurance. __________________ Build Thread \| GTM TT Install Thread \| Engine Build Thread

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03-18-2011, 08:18 PM	#2 (permalink)
Nismo89 A True Z Fanatic Join Date: Mar 2011 Location: Colora, MD Age: 36 Posts: 15,831 Drives: daily Zen and woosah Rep Power: 37387	right now i pay once a year around 1000, i was thinking the worst, im 21... and want a sports car, so im thinking thousands of dollars.. here -I have a Clean Driving Record -Never drink -never ever speed -Credit score is very high..

03-18-2011, 08:42 PM	#6 (permalink)
brado Base Member Join Date: Feb 2011 Location: Virginia Posts: 216 Drives: 09 touring w/ sport Rep Power: 15	im 23 with a clean record and i only pay 91/month with nationwide.

03-18-2011, 08:45 PM	#7 (permalink)
Nismo89 A True Z Fanatic Join Date: Mar 2011 Location: Colora, MD Age: 36 Posts: 15,831 Drives: daily Zen and woosah Rep Power: 37387	i just got off the phone with all-state and they gave me a estimate of 1,118.42 every 6 months. WITH clean driving record excellent credit...

03-18-2011, 09:14 PM	#9 (permalink)
Nismo89 A True Z Fanatic Join Date: Mar 2011 Location: Colora, MD Age: 36 Posts: 15,831 Drives: daily Zen and woosah Rep Power: 37387	geico gave me a qoute around over 2 grand for 6 months

03-18-2011, 09:21 PM	#11 (permalink)
brado Base Member Join Date: Feb 2011 Location: Virginia Posts: 216 Drives: 09 touring w/ sport Rep Power: 15	what is the average. i think i have really cheap insurance? cheaest i have found anyway

03-18-2011, 09:44 PM	#15 (permalink)
Nismo89 A True Z Fanatic Join Date: Mar 2011 Location: Colora, MD Age: 36 Posts: 15,831 Drives: daily Zen and woosah Rep Power: 37387	im 21