I forgot about the insurance. More expensive than my Subaru

TopGone · 10-26-2010, 01:43 AM

Ok, where can we find the best insurance. My guess is that it is valued around $65k with a ton of mods. Have any suggestions? It is not a daily driver, but we do take a lot of long road trips. That will mean our mileage will be around 15k+ a year. I heard of a company in Texas that insures "show cars". Forget Hagerty, they have a mileage restriction.

Any suggestions would help.

Thanks!

Dean

johnnieg · 11-02-2010, 07:34 PM

All you guys are throwing out numbers but the big question is what kind of coverage do have? The bigger the policy the more you will pay. Dont know about any other states but people in ny are sue happy scumbags! All you have to to is tap some one and your being sued for 2mil! Thats why rates are high pluse its a no-fault state..

peon · 11-03-2010, 05:51 PM

i shopped around for my insurance. i went with geico. however if you're the gambling type, i know nationwide has 5,000 deductibles. that's pretty high but if you want a lower 6 month rate, that is one way to go

wishihadnav · 11-03-2010, 06:01 PM

Quote:

Originally Posted by peon

i shopped around for my insurance. i went with geico. however if you're the gambling type, i know nationwide has 5,000 deductibles. that's pretty high but if you want a lower 6 month rate, that is one way to go

the problem with that, besides having a extremely large ded., is the finance company/bank (assuming its not paid off) will typically only allow you to have a maximun limit of 1000 for the comp/coll ded..some banks will not allow you to have more than 500..

wishihadnav · 11-03-2010, 06:02 PM

Quote:

Originally Posted by ZTarga

Ok, where can we find the best insurance. My guess is that it is valued around $65k with a ton of mods. Have any suggestions? It is not a daily driver, but we do take a lot of long road trips. That will mean our mileage will be around 15k+ a year. I heard of a company in Texas that insures "show cars". Forget Hagerty, they have a mileage restriction.

Any suggestions would help.

Thanks!

Dean

try JC Taylor.

EValentin1 · 11-27-2010, 07:26 PM

Quote:

Originally Posted by Jeffblue

wtf.... i'm paying 1300 per 6 months with geico for comptehensive, and i'm a secondary on my parents policy. that's because i'm 22 i guess.

wtf...??? im 22 and only paying $540/month with USAA. youre def getting screwed there.

TopGone · 11-28-2010, 12:54 PM

Quote:

Originally Posted by wishihadnav

try JC Taylor.

I went to their website. The car must be at least 20 years old. I have 19 more years to go. lol

Thanks for the suggestion!

Dean

rangercarol · 12-10-2010, 09:51 PM

I hate to be mean - wait, actually it's fun. I have been paying about $350/year on my 1998 Integra with State Farm. My 2011 370Z will cost about $120 more per year.

The secret is to have the house, three cars, a boat, and an umbrella policy all with the same company. It doesn't hurt to have a long, clean record, low mileage, and to live in South Carolina. Oh, one more thing; being old is not all bad.

rangercarol

mick · 12-10-2010, 09:56 PM

to me, cheap insurance rate may not be good.
years ago, someone crashed into my car and took off.
the insurance company i had at the time paid for the repairs but they instructed the body shop to use "economy" parts.

my current insurance company may not be the cheapest but the last time i had to use their service, they paid whatever the body shop wanted and didn't specify the use of "economy" parts.

tsolin01 · 12-10-2010, 10:13 PM

I was paying $1600 a year with Geico until I checked around and found much cheaper rates with other companies. I ultimately decided on Amica and now my premium is $1080 a year before defensive driving (Geico rate includes it already), which will bump it down to the $900 range... so I saved a bunch of money by switching from Geico lol oh and I just turned 30 this year, been driving for 8 years with no accidents or traffic violations

LMBmikeZ · 12-10-2010, 10:47 PM

Quote:

Originally Posted by mick

to me, cheap insurance rate may not be good.
years ago, someone crashed into my car and took off.
the insurance company i had at the time paid for the repairs but they instructed the body shop to use "economy" parts.

my current insurance company may not be the cheapest but the last time i had to use their service, they paid whatever the body shop wanted and didn't specify the use of "economy" parts.

This sounds like total BS, insurance companies are not allowed to "instruct" the repair shop how it is to be repaired. All repairs to vehicles are to be done TO THE SAME STANDARDS FOR ALL CUSTOMERS!!!

That or you got totally screwed! Just a prime example of the man sticking it to you, bend over buddy just bend over.........

TBOX · 12-10-2010, 10:47 PM

Quote:

Originally Posted by johnnieg

All you guys are throwing out numbers but the big question is what kind of coverage do have? The bigger the policy the more you will pay. Dont know about any other states but people in ny are sue happy scumbags! All you have to to is tap some one and your being sued for 2mil! Thats why rates are high pluse its a no-fault state..

Lol, NY is a no fault state yes, hense you CAN'T sue...
At fault driver covers the collision, your insurance covers your medical. There's no sueing to be had, unless it goes over something like $50k in medical. You can't even collect diminished value in NY.
Not sure where you get the idea you can just sue someone for hitting your car, you can't unless they don't have insurance.

mick · 12-10-2010, 10:53 PM

Quote:

Originally Posted by LMBmikeZ

This sounds like total BS, insurance companies are not allowed to "instruct" the repair shop how it is to be repaired. All repairs to vehicles are to be done TO THE SAME STANDARDS FOR ALL CUSTOMERS!!!

That or you got totally screwed! Just a prime example of the man sticking it to you, bend over buddy just bend over.........

maybe today's law is different.
the bodyshop repaired the bumper and the bumper didn't look new. so i complained and they showed me the paperwork from the insurance company. it said use economy parts.

TBOX · 12-10-2010, 10:58 PM

Quote:

Originally Posted by mick

maybe today's law is different.
the bodyshop repaired the bumper and the bumper didn't look new. so i complained and they showed me the paperwork from the insurance company. it said use economy parts.

the are required to bring the condition of the vehicle back to the condition before the accident. THey may use whatever parts they choose to do so...
however if the work is not performed to your standards you may choose to reject it. YOU sign the check to the bodyshop, no one else.

LMBmikeZ · 12-11-2010, 01:11 PM

Quote:

Originally Posted by TBOX

the are required to bring the condition of the vehicle back to the condition before the accident. THey may use whatever parts they choose to do so...
however if the work is not performed to your standards you may choose to reject it. YOU sign the check to the bodyshop, no one else.

Yes but in these conditions: being the same standard as before.

Means that would = OEM standards

10-26-2010, 01:43 AM	#46 (permalink)
TopGone Base Member Join Date: Sep 2010 Location: South Cackalacky (SC) Posts: 82 Drives: '09 370z targa mod. Rep Power: 14	Ok, where can we find the best insurance. My guess is that it is valued around $65k with a ton of mods. Have any suggestions? It is not a daily driver, but we do take a lot of long road trips. That will mean our mileage will be around 15k+ a year. I heard of a company in Texas that insures "show cars". Forget Hagerty, they have a mileage restriction. Any suggestions would help. Thanks! Dean __________________ '09 Nissan 370z targa mod. www.topgone.com SPONSORS - Vibe Audio, Metra Electronics, Revolution Kustomz, Forged Specialties, Z1Motorsports, "Mike" The Powdercoater, STILLEN, UpRev

12-10-2010, 09:51 PM	#53 (permalink)
rangercarol Base Member Join Date: Oct 2010 Location: McCormick, SC Age: 83 Posts: 56 Drives: 2011 370z Cherry 6m Rep Power: 3369	Insurance I hate to be mean - wait, actually it's fun. I have been paying about $350/year on my 1998 Integra with State Farm. My 2011 370Z will cost about $120 more per year. The secret is to have the house, three cars, a boat, and an umbrella policy all with the same company. It doesn't hurt to have a long, clean record, low mileage, and to live in South Carolina. Oh, one more thing; being old is not all bad. rangercarol

12-10-2010, 10:13 PM	#55 (permalink)
tsolin01 Track Member Join Date: Feb 2010 Location: Dallas, TX Posts: 657 Drives: 2010 370Z Rep Power: 16	I was paying $1600 a year with Geico until I checked around and found much cheaper rates with other companies. I ultimately decided on Amica and now my premium is $1080 a year before defensive driving (Geico rate includes it already), which will bump it down to the $900 range... so I saved a bunch of money by switching from Geico lol oh and I just turned 30 this year, been driving for 8 years with no accidents or traffic violations __________________ SOLD 12/30/2011 2010 370Z Coupe Monterey Blue 6MT/Touring/Sport/Nav F.I. CBE CF w/ 12" Res \| V1 \| SecondSkin \| Stillen G3 \| EVO-R CF B-Pillars \| Volk GT-S Ti Gunmetal 19x9.5 +30 F, 19x10.5 +8 R \| Swift Spec-R Springs

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11-02-2010, 07:34 PM	#47 (permalink)
johnnieg Base Member Join Date: Oct 2010 Location: ny Posts: 35 Drives: tytug Rep Power: 14	All you guys are throwing out numbers but the big question is what kind of coverage do have? The bigger the policy the more you will pay. Dont know about any other states but people in ny are sue happy scumbags! All you have to to is tap some one and your being sued for 2mil! Thats why rates are high pluse its a no-fault state..

11-03-2010, 05:51 PM	#48 (permalink)
peon Base Member Join Date: Oct 2010 Location: LA Posts: 8 Drives: POS Rep Power: 14	i shopped around for my insurance. i went with geico. however if you're the gambling type, i know nationwide has 5,000 deductibles. that's pretty high but if you want a lower 6 month rate, that is one way to go

12-10-2010, 09:56 PM	#54 (permalink)
mick Track Member Join Date: Jan 2010 Location: California Posts: 903 Drives: Used to drive a 370z Rep Power: 16	to me, cheap insurance rate may not be good. years ago, someone crashed into my car and took off. the insurance company i had at the time paid for the repairs but they instructed the body shop to use "economy" parts. my current insurance company may not be the cheapest but the last time i had to use their service, they paid whatever the body shop wanted and didn't specify the use of "economy" parts.