Insurance quote from The General
 

I've been shopping around looking at different insurance companies to see if they're cheaper than my current company Amica.

Went to State Farm and went through the online quote thing. Not good at $400 over Amica.

Went to The General for a quote. After putting in the car model I got red flagged that my Z was an "unacceptable car". I was given a number to call for more information. I called the number given and talked to a lady CSR.
I told her what happened and told her what car I was wanting a quote for.
She said "we can't insure your car. It's a super car" :icon14:

A super car? Left almost speechless I said "Thanks" and hung up.

If I remember correctly doesn't the General and his penguin buddy ride in a Corvette?

Go with geico or allstate as long as you are 25 or older and have a good driving record.

Super car? :icon14:

State Farm may be more expensive, but I've never had a problem with a claim and they didn't raise my rates after a recent $20K+ wreck. I've had the shingles on my house replaced twice (edit: plus the roof over my back porch) with no claim problems or bump in rate.

Allstate. Geico screwed me by raising my premium by 40% when I bought the Z.

The General is one of those "we'll insure anyone" kind of companies. High risk low income kind of people. They probably have very high rates too.

Haha, what a story! I usually mute the tv as soon as I see a "General" commercial come on. I think Lemers is right though...General is one of those companies that caters to the DUI or the "got busted and need proof of insurance right before court" crowd.

geico is terrible. the general is cheap for a reason.

progressive is, by far, the most helpful and lowest price company out there when i got my insurance (23, non-homeowner, single)

Lol!!!
I thought this thread was going to be you asking us if your quote from the General was good... And my only response was going to be, please stop driving, you can't afford a Z if you can afford proper insurance


Go with State Farm, they have been AMAZING to me... Post up on your local region to find someone who works for an insurance company... I bet there is SOMEONE in Florida who can hook you up

State Farm was THE CHEAPEST for my Z before my hook up, now EVEN cheaper

22, single, no home and the other car is an ISF, lol
:happydance:


EDIT: I pay less for the ISF too, lol

I wouldn't skimp on insurance. I figure that I'm paying for the feeling I get every time I press the start button that no matter what happens from that moment on, whether my fault ot an uninsured ricer's fault that I'm comprehensively protected. And my gap insurance makes me feel that much better on top of it all.

It's kind of like the feeling I get when I have a lottery ticket in my wallet. I know I'm not going to win but it feels good just having a chance so I figure $1 is a cheap price for that feeling. Same goes for good insurance.

Awesome, and agreed!

Check out Allstate as well. I have very low rates with them and never any problems.

StateFarm is a joke. They were bought by an Indian company after the almost went bankrupt over Katrina most of the people they insured they denied claims. If they did pay they dumped the customer or raised the rates so high no one could afford. Then they were bought out by an Indian company.
They fired all the American workers and brought in foreign workers made them teach the people replacing them there job or be fired with no package for 3 months. The foreign workers are from India and work at low wages and can be replaced easily. All workers at StateFarm are Indian. The are ripe for illegal hiring practices. Stay way clear of StateFarm they will deny claims and or just refuse to pay you when incidents happen like Katrina, Ike, Sandy.

I know first hand many people that worked at StateFarm this is the information along with news reports that I have been informed about and my step mother works for another insurance company and she hears all the stories from other people that have left StateFarm and moved over to her company.

Check out this link.
http://www.consumeraffairs.com/insur...farm_auto.html Looks like an 80% disapproval rating.

If you have StateFarm I would check out a known reputable company and lose them before they deny you or drop you for some made up B.S.

Me I have had the same policy since 1982 with Allstate and never any problems with being dropped. I have had tickets, wrecks, boat and house repairs due to damage. They did not raise my rates or drop me. When Katrina, Ike and they rest you did not hear them denying claims and dropping people for no reason.

May be true, they totaled my car 12 months ago and they paid me $7k over what I paid for it after I used it for a year too...


And Allstate quoted me $300/month for just my Z


Different strokes for different folks

That's who I have now and pay about $100 a month with the z and a liability only beater Honda civic. Thought about looking at other options though.

Almost itentical story here. Had Allstate since my learner's permit in '82. All the growing pains later, wrecked two cars at 18 and 21, speeding tickets in my Mitsu Starion, etc. still with them today.

That's pretty good. I'm at $70/mo. comprehensive everything for the Z and '12 Accord. Homeowner with them too though. I'm sure with enough searching, I could find something a few bucks cheaper but am afraid of the fine print. At least this way I know if the house burns down with the cars in the garage along with it, everything will be covered.

As for the OP, if I got pulled over, I'd rather hand the cop my plastic Allstate card rather than a "General" card I just printed on my inkjet last night.

wow $30k supercar impressive :p try nationwide

Never ever skimp on insurance especially if you have a lot of assets. The General is the type of insurance you get if you are driving a $1500 car and you have 2 DUIs and no one else can insure you. Maybe you should have priced good insurance before you purchased a 38k+ 2 door sports car.

Rates are all relative to location as well, not just driving record, age, etc. I've lived in a half a dozen different states and have seen rates fluctuate significantly after updating policy zip code. I had progressive for 8 years and have had 0 speeding tickets and 0 claims on my record. Recently (last few months), a good friend of mine said I should look into Geico, as his rates were cut nearly in half. If I hadn't heard it from a guy i trust, I wouldn't even have checked into it. I called Geico and was given a rate quote with the identical policy specifications nearly 40% less then progressive. Being a loyal customer, I contacted progressive to see if they could stay competitive. The CSR was very professional, but informed me that they do not match rates. I had no choice but to switch to Geico.
I am sure many folks out there have had similar situation with various insurance companies. Moral of the story, dont assume you are getting the best. When we get comfortable, we get lazy. Nothing wrong with challenging the status quo. It's good for business and development.

Happy New Year Everyone!

:tup: Insurance seems like a needless drain on your pocketbook ... until you need it. I carry at least twice the required minimum liability on my vehicles. I also have $500K personal liability with my home insurance in case you get hurt while visiting.
Sue me. I'm insured! :)

I'm in my mid-50s, decent driving record (only a speeding ticket every 4-5 years until my wreck about a 8 months ago), get multi-policy and multi-car discounts and I still called and checked the rates before buying my Z.

I'm getting owned by insurance companies in Las Vegas. $160 per month and I have a clean record. I do have about $25 in additional coverage. This is with USAA as well.

The General is ballin' though



I have Geico myself, but Progressive is cheaper by a lot in my area. However, someone I know of sent me this link regarding Progressive, so I've been wary to change to Progressive.

PREMIUM FISHER | My Sister Paid Progressive Insurance to Defend Her...

tl;dr
My Sister Paid Progressive Insurance to Defend Her Killer In Court

Interesting comments about state farm, been with them since I was 16, 59 now, never a problem on car insurance. Did get dropped on home owners for a year and when I talked to the agent, they told me it was a mistake somewhere and signed me back up. I pay about 75.00 a month for the Z with couple of multi-discounts. Will be interesting to see what happens... Thanks for the info...

I refuse to to do anything with Progressive due to that shrill wench beast Flo and her daily assault on my senses. I wish she and the general would be in a high speed collision with each other and die from the resulting explosion and mushroom cloud.

love Amica.. had them for a LONG time.. since I was 16... not going to say how many total years that is.. but probably longer than most here have been alive. ;) They have been a HUGE help when dealing with uninsured drivers that like to take me out.

I have USAA also. I'm 24 and married but I pay $110/mth.....but it all depends on state too. I'm in Hawaii now paying $110/mth. In Texas I was paying $185/mth. BIG difference but I'm not gonna complain lol.

i have a hayabusa, a srt10, and a 370 roadster and i pay 190 a month with statefarm for all 3

As started earlier, state farm is decent UNTIL something happens. Then your rates will either be doubled or you will be dropped. Ask me how i know.... Their quality has plummeted over the last few years

I have Ameriprise, it was the best rate out there, just finished my free trial of snapshot with progressive and now they r $100 cheaper than Ameriprise

I had a $20K+ wreck about 8 months ago - State Farm didn't raise my rate one cent and not even a hint at cancellation. Agent did say that if I have another wreck in the next 3-4 years that premiums will go up, but no talk of cancellation.
My daughter, also with State Farm (liability only, not under my policy), had a wreck about 2 months ago - no increase or cancellation. The agent did tell her that she was on thin ice, but she has only been driving for a year, so, at this point, her record is pretty crappy.

Sorry to hear about your problems with SF, but I have been very pleased with them.

yea same here, they didn't raise it right the way but at the renewal

I have USAA also with 4 cars in my policy including the Z and I pay $230............09 Z, 10 CX-7, 13 Versa & 92 Ranger.

And is because my teen daugther is on my policy, also a few tickets and one accident with the Z.


The Z pays less than my old lady SUV :confused:

When I went to insure my 175hp Sentra Spec-V from a broker I was told it was a "Race car" and the premium would be high... Really? That was a long time ago now I have Geico and with one speeding ticket I pay about $180 a month check them out.

Op, how old are you? What is your driving record like? Maybe the insurance lady meant to say its a "sports" car and we can't insure you because you are high risk.. . ie young, tickets/wrecks on driving record.

I shopped around most of the major companies when I bought the Z, as my old policy was almost up for renewal (progressive) I ended up transfrerring all to Erie.
State Farm, and allstate were a close second. The general, gieco, Progressive, and most others were about $500 high. Nationwide apparently is NOT on my side, as they were $1100 higher than Erie. After the first year, they lowered my premium by $250 as well.
Of course it will differ for everyone, but I'm dealing with... Single/46/clean record
2 homes (ones a rental property)
The Z (full coverage 50/100,000
2010 Malibu (full coverage 50/100,000
1999 cherokee
2003 neon
1996 saturn sl2
1993 Toyota corolla
Fiance,
23 year old daughter
two teenage daughters
One Puggle
Two Cats
$270 month The Z accounts for $44 of it.
Now that I see it all laid out, I think I need a drink!!

Insurance all depends on where you live, in the past I lived in a smaller big city , then moved to a rural area and I was able to stay with either of the big old companies like state farm, allstate, etc.

But once I moved out west to a big metropolitan city with more than 2 million ppl plus, I was forced to go with Progressive for the motorcycles and Gieco for the cars, all the other companies mentioned here were 20 -40 % higher than Geico or Progressive.

If you are currently owning a standard car and now bought a sports car and your insurance jumps up a lot, its more than likely you are under 30 yrs old, unmarried and you are now driving a more expensive vehicle.

When I bought the 370Z my premium only went up about $150 more every 6 months, as compared to buying a new standard family sedan.

Nationwide chanrges me ordinary rates for my Z---$60.00 for full coverage. But I have a clean record and I'm old.

State Farm bought by an Indian company? :rofl2: You work for Allstate?

LOL dear god... lol if the Z is classified as a Super Car to them...... then Ferrari, Lambo, Fisker Karma exc are all " God Like" .

I am 23, married, been in 2 head on collisions when I was in high school, both my fault, last speeding ticket was when I was 19. Esurance is pretty damn cheap for my record, I pay $207 a month full coverage.

62 years old with a clean driving record, no wrecks. Safe driver status on my DL.

What I find really amazing is that Allstate wanted more to insure my 2000 Mitsubishi Eclipse than they want to insure my 2013 Z! $1300 for the Z, $1700 for the Eclipse! AND MY Z IS A SUPER CAR! :roflpuke2: