Buying a z. Sky high insurance???

chuckd05 · 10-02-2011, 10:34 PM

I have 1,000,000 in liability and pretty much tops in most others areas.. the price difference was not that significant at all and I know that anything that happens, (god for bid) I will have insurance to cover it... I don't recommend skimping in areas that could save your *** 10 fold later down the line...

if its a weekend cruiser and you drive very responsibly than MAYBE think about a bare bones policy but any other way I would get at least the middle of the road policy.

UNKNOWN_370 · 10-03-2011, 02:10 AM

My Z went from $100 a month full coverage to $125 after my accident. I renew in a month. Legts see if it stays or gets worse???

Red__Zed · 10-03-2011, 06:07 AM

Quote:

Originally Posted by UNKNOWN_370

I'm paying $150 a month after an accident. My Z had been totalled in may. I was paying $120 a month. I renew in 2 months. Let's see what happens then?

Quote:

Originally Posted by UNKNOWN_370

My Z went from $100 a month full coverage to $125 after my accident. I renew in a month. Legts see if it stays or gets worse???

Thechidz · 10-03-2011, 02:48 PM

ok, so I have 2 claims and 2 tickets over the last 3 years, so I expect to pay more. But over $300 per month with geico seems excessive to me. And geico is the cheapest in ny state. I just don't understand how my insurance premium can more than double going from a $24k '07 Murano to a $30k '09 z?

Red__Zed · 10-03-2011, 02:53 PM

Quote:

Originally Posted by Red__Zed

lots of expensive shiz to replace on the Z...take a look at headlight cost.

Then look at the demographic and the number of cars totaled. It's a brutal car to insure.

My insurance got cut in half moving to a car with nearly 100 hp more

Quote:

Originally Posted by Thechidz

ok, so I have 2 claims and 2 tickets over the last 3 years, so I expect to pay more. But over $300 per month with geico seems excessive to me. And geico is the cheapest in ny state. I just don't understand how my insurance premium can more than double going from a $24k '07 Murano to a $30k '09 z?

Look no further than the first reply.

High risk vehicle with expensive parts. All the reasoning that is needed.

Jeffblue · 10-03-2011, 02:55 PM

I live in NY and my insurance went from $1,360/6mo on my 2010 370z to $1,009 on my CPO 2008 335xi coupe. The Z is quite expensive to insure

chuckd05 · 10-03-2011, 08:38 PM

so thats about spot on with what mine dropped to jeff .... about 700 a year less to insure the bmw

Jeffblue · 10-03-2011, 09:32 PM

Quote:

Originally Posted by chuckd05

so thats about spot on with what mine dropped to jeff .... about 700 a year less to insure the bmw

yea its nice. I'm 23 btw. How on earth does red6spd insure his versa and Z for 200 more than i pay per 6 months for my 335. That doesn't make any sense. I'm 23 as well, have geico as well, have no tickets or accidents, live on long island, and i paid that much just to insure my Z.

Red__Zed · 10-03-2011, 10:06 PM

Quote:

Originally Posted by Jeffblue

yea its nice. I'm 23 btw. How on earth does red6spd insure his versa and Z for 200 more than i pay per 6 months for my 335. That doesn't make any sense. I'm 23 as well, have geico as well, have no tickets or accidents, live on long island, and i paid that much just to insure my Z.

You probably don't have bare minimum coverage, do you?

Z_ealot · 10-03-2011, 10:25 PM

well according to the premium listed on esurances website for me it totals out to 747.59 for middle of the road full coverage, but thanks to this thread i noticed that i am actually paying more per month to them then what my total premium devides up into. They are billing me at $150.40 a month when my premium comes out to $124.60 per month so i sent them a nice e-mail tonight to let them know that i am on to their little game there lol.

victort · 10-04-2011, 01:23 AM

Quote:

Originally Posted by Thechidz

ok, so I have 2 claims and 2 tickets over the last 3 years, so I expect to pay more. But over $300 per month with geico seems excessive to me. And geico is the cheapest in ny state. I just don't understand how my insurance premium can more than double going from a $24k '07 Murano to a $30k '09 z?

one's a not-so-fast tank and the other is a sports car. and the 2 claims and 2 tickets didn't help either

poorazn · 10-04-2011, 11:25 PM

Quote:

Originally Posted by chuckd05

I have 1,000,000 in liability and pretty much tops in most others areas...

Just curious, why did you go with a 1mil in liability instead of a 1 mil umbrella as the umbrella is broader coverage since liability doesnt end in a vehicle...

RunNgun · 10-05-2011, 10:07 AM

one million dollars in coverage is pretty lol-worthy. Yeah yeah I know it was like 5 bucks more, but I bet that was the same rationale you used for all your other coverages, netting you an additional $80/month when it's all said and done.

I had been a Geico customer for 8 years until recently. For some reason they seemed to have disproportionately high premiums compared to every single other provider I looked at. Allstate, Progressive, State Farm, Metlife, & finally Nationwide. Each of these competitors had premiums within $10-$20 of each other. Geico was out of the park at near double anything they charge. There arent enough positive reviews out there to state that Geico's claims handling is this good so I dumped them for Nationwide, which impressed me with their near 0 wait times and American phone service personnel. They also never once tried to slip in higher coverages or addon's for things I didnt ask for. Clean webpage to boot.

Isamu · 10-05-2011, 04:22 PM

I was paying 133/mo for just my vehicles... I added my wife and my wifes vehicle and it went down to 130/mo with the 300/300/100

Thechidz · 10-05-2011, 05:06 PM

Quote:

Originally Posted by RunNgun

one million dollars in coverage is pretty lol-worthy. Yeah yeah I know it was like 5 bucks more, but I bet that was the same rationale you used for all your other coverages, netting you an additional $80/month when it's all said and done.

I had been a Geico customer for 8 years until recently. For some reason they seemed to have disproportionately high premiums compared to every single other provider I looked at. Allstate, Progressive, State Farm, Metlife, & finally Nationwide. Each of these competitors had premiums within $10-$20 of each other. Geico was out of the park at near double anything they charge. There arent enough positive reviews out there to state that Geico's claims handling is this good so I dumped them for Nationwide, which impressed me with their near 0 wait times and American phone service personnel. They also never once tried to slip in higher coverages or addon's for things I didnt ask for. Clean webpage to boot.

thanks, I just checked nationwide looks like I'll be saving a lot of money with them.

10-02-2011, 10:34 PM	#31 (permalink)
chuckd05 A True Z Fanatic Join Date: Oct 2009 Location: NY Posts: 2,391 Drives: No longer a Z Rep Power: 19	I have 1,000,000 in liability and pretty much tops in most others areas.. the price difference was not that significant at all and I know that anything that happens, (god for bid) I will have insurance to cover it... I don't recommend skimping in areas that could save your *** 10 fold later down the line... if its a weekend cruiser and you drive very responsibly than MAYBE think about a bare bones policy but any other way I would get at least the middle of the road policy. __________________ 09 370Z 6M PW - FBO Best 1/4 mile = 12.926 @ 109 SOLD -- 08 BMW 135i - FBO 12.1@120mph SOLD -- white 09 e92 335 Coupe Mtech - 11.9 @ 119 :-)

10-03-2011, 02:48 PM	#34 (permalink)
Thechidz A True Z Fanatic Join Date: Sep 2011 Location: NY Posts: 1,009 Drives: Nissan 370z Monti Bl Rep Power: 15	ok, so I have 2 claims and 2 tickets over the last 3 years, so I expect to pay more. But over $300 per month with geico seems excessive to me. And geico is the cheapest in ny state. I just don't understand how my insurance premium can more than double going from a $24k '07 Murano to a $30k '09 z? __________________ I <3 my car

10-03-2011, 08:38 PM	#37 (permalink)
chuckd05 A True Z Fanatic Join Date: Oct 2009 Location: NY Posts: 2,391 Drives: No longer a Z Rep Power: 19	so thats about spot on with what mine dropped to jeff .... about 700 a year less to insure the bmw __________________ 09 370Z 6M PW - FBO Best 1/4 mile = 12.926 @ 109 SOLD -- 08 BMW 135i - FBO 12.1@120mph SOLD -- white 09 e92 335 Coupe Mtech - 11.9 @ 119 :-)

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10-03-2011, 02:10 AM	#32 (permalink)
UNKNOWN_370 A True Z Fanatic Join Date: Jul 2009 Location: ny'r livn in tx Posts: 8,687 Drives: well over 130m.p.h. Rep Power: 14857	My Z went from $100 a month full coverage to $125 after my accident. I renew in a month. Legts see if it stays or gets worse???

10-03-2011, 02:55 PM	#36 (permalink)
Jeffblue A True Z Fanatic Join Date: Dec 2009 Location: NY Age: 36 Posts: 9,192 Drives: Z32TT & 335xi Coupe Rep Power: 37	I live in NY and my insurance went from $1,360/6mo on my 2010 370z to $1,009 on my CPO 2008 335xi coupe. The Z is quite expensive to insure

10-03-2011, 10:25 PM	#40 (permalink)
Z_ealot A True Z Fanatic Join Date: Sep 2010 Location: Albuquerque, NM Posts: 2,044 Drives: 09 370Z Touring/Sprt Rep Power: 10090	well according to the premium listed on esurances website for me it totals out to 747.59 for middle of the road full coverage, but thanks to this thread i noticed that i am actually paying more per month to them then what my total premium devides up into. They are billing me at $150.40 a month when my premium comes out to $124.60 per month so i sent them a nice e-mail tonight to let them know that i am on to their little game there lol.

10-05-2011, 10:07 AM	#43 (permalink)
RunNgun Base Member Join Date: Sep 2011 Location: USA Posts: 80 Drives: 2011 370z black AT Rep Power: 13	one million dollars in coverage is pretty lol-worthy. Yeah yeah I know it was like 5 bucks more, but I bet that was the same rationale you used for all your other coverages, netting you an additional $80/month when it's all said and done. I had been a Geico customer for 8 years until recently. For some reason they seemed to have disproportionately high premiums compared to every single other provider I looked at. Allstate, Progressive, State Farm, Metlife, & finally Nationwide. Each of these competitors had premiums within $10-$20 of each other. Geico was out of the park at near double anything they charge. There arent enough positive reviews out there to state that Geico's claims handling is this good so I dumped them for Nationwide, which impressed me with their near 0 wait times and American phone service personnel. They also never once tried to slip in higher coverages or addon's for things I didnt ask for. Clean webpage to boot.