$4000 insurance per year ... Why so expensive？

sparky · 06-12-2012, 10:14 PM

It's simple, you haven't been driving long enough.
I insured mine for 2K but that is after a 40% discount for 4 plus years of safe driving. A further discount comes from driving for over 10 years. This is for 3 million in liabilty and full collision coverage.
Any accidents erases the 40% and the 4 years starts over. Had any of those?
You also get 1 free claim here. If you get in an own fault collision you can use your freebie and keep your 40% but if you get in another one you're screwed.

Usually people paying 4K for insurance have claims or too many tickets.
Tip: if you get in a small fender bender, pay out of pocket to fix the other car.
It's often cheaper than paying 40% more for your insurance.

Sounds to me like you're not coming clean on your driving record.

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06-12-2012, 10:14 PM	#11 (permalink)
sparky Track Member Join Date: Jul 2011 Location: Vancouver, BC Posts: 642 Drives: 12 370Z GM AT Rep Power: 16	It's simple, you haven't been driving long enough. I insured mine for 2K but that is after a 40% discount for 4 plus years of safe driving. A further discount comes from driving for over 10 years. This is for 3 million in liabilty and full collision coverage. Any accidents erases the 40% and the 4 years starts over. Had any of those? You also get 1 free claim here. If you get in an own fault collision you can use your freebie and keep your 40% but if you get in another one you're screwed. Usually people paying 4K for insurance have claims or too many tickets. Tip: if you get in a small fender bender, pay out of pocket to fix the other car. It's often cheaper than paying 40% more for your insurance. Sounds to me like you're not coming clean on your driving record.