I pay $1,375 per 6 months, for 3 cars in LA all at 100/300/100. The Z itself is $558 per 6 months.

There are insurance agencies (Agency's?) that shop for you.

The place I get my insurance through is called Consilidated Insurance Agency. They shop for me once a year, if they find a better rate, they verify that I want the better rate, and do everything for me.

Might be worth looking into....

Value of the car is not really going to alter it that much.
Especially if the insurance company is adjusting their rates up slightly you are basically seeing the offset which comes out to 0 change.

yes, but now you have geico.

my rate went down about $150 per 6months since taking ownership.

I got my first price drop since the accident. I was paying $260 a month full coverage for both Nissan Altima and Z. now i'm paying $234. Thats an annual savings of $300. I'll take it.:happydance:

Tell your agent/agent staff that you want to participate in the Drive Safe & Save Program. It means you need to report your odometer reading twice a year before your next policy renewal. The less you drive the more you save. You can also save by increasing your Comprehensive & Collision Deductibles.

Los Angeles has one of the highest insurance premium in California. Your premium is based on where your car is parked every night. If you have another car (a beater or DD) tell your agent to rate you on that car. That will make your 370Z as an extra car (much lower premium). When your car gets totaled (and assuming your were the at-fault party), State Farm will be paying for your car and for the other party as well. Not to mention if there is bodily injury claim or lawsuit.

I pay like 70 a month with mercury ftw

Just on a general insurance thing:
One of my tenants is an insurance agent so I asked him ' How do all these companies show that someone saved $400 or $500 / yr. by switching to them? And is that legit?'

Three reasons:

1) a ticket or accident has 'fallen off' since you got coverage with your original company. The original company most likely won't tell you this and keep you at the higher rate.

2) you're older. If you got your original policy at 18 and are now looking at a new one at 25, those savings are entirely possible.

3) they're changing up your coverage. Certain deductible / coverage combinations have a lower rate associated with them. It may look very similar or at least close, but the insurance companies have it all figured out on how likely you are to file a claim or what their possible liability could be and can steer you into those categories.

He said most of the time it's due to lower liability. They say, 'Hey, you really don't need $300,000 per occurrence, let's drop that to $100,000.' And POOF! your rate drops significantly. But so does your coverage.