Also remember that the 370Z is in its "first year" of production. To the insurance underwriters that means the 370Z is not the same car as a 350Z no matter the number of years the 350Z has been around.

That means the insurance companies can make the :bs: claim they have no statistics accumulated yet of the car's overall performance and safety. So they get to set an inflated insurance rate at least for the first production year of the car.

That can jack up the premiums and everyone must suffer through the first year...

what do you mean who. Me of course, and who ever else needs cheap insurance. yeah thats what i do.

wow, not bad at all. being 25+ helps.

My cousin told me that, the insurance isn't based on your
age, it is based on when you got your license?

Correct me if I am wrong!

31 "Married", clean record, high 600's credit score, homeowner, multiple insurances with company.

Car costs me an additional $89/mo w/ $1000 deductible. Goes up to $112 for $500. That's also with 50/100/25 + under/non-insured coverage.

So can 2nd year rates when they get the idea that people drive them into retaining walls on test drives :happydance:

In a way thats correct, you get a driving experience discount when you have your license for more than 3 years. However, that discount is only high enough to make a difference on your premium when a person starts hitting their early 20s. :driving:

Some folks in the forum may not realize that many folks who are posting the lesser expensive insurance premium cost are carrying only "middle-tier" coverage (such as yourself @ 50/100/25) or sometime even just "minimum state required" coverage.

So if anyone here in the forums think that folks carrying the lesser coverages are getting a better deal than those doing the comparison should keep in mind that folks with lesser coverages are personally liable for the difference should an accident caused by them have higher monetary damage values (propoerty and medical) that exceed their insurance "middle-tier" or "minimum" coverages.

You would be surprised how many folks don't realize this important critical difference between those paying lower premiums compared to those paying higher premiums.

Oh, ok thanks! :happydance:

I was quoted $2,483.59/year for 100/300, 100/300 and a 500/deduc through Amica. Now I'm not sure if he meant $500/6 months, or $500/month.

All State also gave me good above mid-tier coverage for 199/month, and GAP coverage.

According to JD Powers, Amica is the best insurance company, even though I've never heard of them..

This is true. But I still have max coverage and only pay $99/mo. I think a lot of you guys are getting absolutely shafted!

Who do you have your insurance with? I'd like to see what they quote for me.

Amica is a good company. They pay their claims, no hassles.

With Allstate my wife and I pay $175 for full coverage on both our cars (the 09 370z, and an 08 Accord), we also get a break though because they do our home insurance aswell. This is in Mississippi and we are both 26.

-William

Edit: We have GAP insurance aswell, but I was under the impression that GAP came from the dealership and not your insurance company.

Some insurance companies started tapping into the GAP market as well. With stipulations or course so make sure you read your policy. I read one and it indicated that the car covered had to have been purchased new with less than 350 miles on it at the time of purchase. And, at the time it was totaled the mileage could not exceed 26,000 within 3 years of purchase. The theory is that after 3 years with a decent interest rate you should not be upside down on your load any longer.

pretty close!
I get full coverage at $101/mo. bastard are ripping 2 dollars off me :(

state farm, age 25, no accidents/tickets. Married w/ house and truck on the insurance as well.

I turned my policy to bare minimums...I'm paying $165/mo now, for 25/50/25/1K, plus uninsured/underinsured at 25/50. (Z and Civic at those amounts, truck at liability only)

While you can say that someone is personally liable for amounts over the covered amounts, how often is someone in a car accident where $25,000 didn't cover it? Cars are very safe these days, especially if you're an attentive driver.

Personally, I'm not going to worry about it. I'd rather pay less and pocket the different (like using it to pay off debts) than give it to the insurance company that'll deny claims and give me the run around anyway.

99.999% of the time, those coverage limits are money being tossed in another company's pocket. I'd rather keep it in mine, like I said, and toss it at some debts and get them gone.

I'm paying $200 a month and I am 24 years old no tickets yet. I hope when I reach 25 it will drop down. I got state farm.

im 19 years old and im paying 283 per month...

If I hit a new Z Touring with another Z Touring, totalling both (highway wrecks can easily get there), that's $80k in liability right there... suddenly that $25k seems a bit paltry to me. If it's a multi-car pile-up that you caused (it is an accident, so don't claim "I would never do that"), even $5k-$10k in damage per car would quickly add up.

Me and my wife (she has 5 tickets and 2 accidents i have none) have full coverage on a 2009 z a 1994 tt supra a 2002 land rover a 2004 mazda 3 and a 2005 royal star and its only 250 a month. $50 deductible on the z and the supra $0 on the rover $500 on the mazda and $500 on the royal star. She is 20 i am 22

25k is low but if you don't have 5k in property and accounts, it's not like someone can sue you for more.

Single driver does not pay for pile ups. They normally pay in the order the pile up happened with the last guy not paying anything.

Woh, are you in for a big surprise! They'll garnish your wages from now until you die to pay off debt from a lawsuit. Any tax refunds you might be due are automatically gone. Lottery winnings are automatically forfeit up to the amount you owe. Don't think that just because you don't have readily available assets now means you're safe (unless you don't mind living the life of a pauper until you're dead).
The single driver pays for every item he hits, OR causes damage to by direct action. It won't take many hits to rack up a sizable bill. And what if you slide off of the side of a neighborhood road and take out the corner of a house (seen several stories like that in the paper or on national news... not often, but sh!t happens). Or more likely, what if you hit a $40k truck carrying a $50k cigarette boat on a trailer, popping the boat off of the trailer? You think the insurance company is going to say "You're only liable for the damage to the truck... you never hit the boat."? :shakes head:

I in fact am not in for a big surprise since I am insured with $1 million policy and have my own lawyer. You will be in a big surprise when you sue someone with no money for future money they will never have. You will get stuck with the attorney bill when they leave country for good. Any intelligent person wouldn't sue them in the first place, and any intelligent person would leave the country if the are sued and loose.

I am 24. My policy includes a house and multiple vehicles. I pay $88/month for full coverage on the 370z with Statefarm, if I drive less than 7.5k miles a year. I added my parents on the car policy to lower my premium. My agent quote me $44/month if I live with my parents but unfortunately I work and live in a different city about 1hr away. Had one ticket, but they cleared it after 3 years.

I got this quote after hassling my agent with a bunch of phone calls and questions.

You're forgetting depreciation. 40K Z Touring is worth $35K as soon as you drive it off the lot, if not quite a bit less.

Also, there's the point (depending on your state) that liability falls within the scope of who's at fault, and, your insurance pays for the other guy's property.

By purchasing insurance at a higher rate, you're basically betting against yourself and your ability to drive and avoid an accident. Most cars on the road are well under 25K considering their depreciated value, so, there ya go.

If it makes you sleep better at night having more insurance, by all means.

Regarding sliding off the road and hitting someone's house

Homeowners insurance takes over the rest. Unlike auto insurance, homeowners insurance portects your own property from damage, not someone else's.

man waaaasabi you are getting screwed or i am really lucky one way or the other... I have 4 years active and my wife has 2 and we have higher coverage (50/100) and we seriously only pay 250 a month... through usaa

Details:

Age 29 Male
Clean record
Houston, TX (harris county)

State farm, allstate, progressive, travelers, farmers were all ~$800/6mos

Geico was $600/6mos. so thats what i went with.

50/100/50
full coverage
500 deductible comp/collision
car rental insurance

NO PIP, Medpay, Uninsured.

the 370z is just plain expensive to insure.

Your married, you get a lower rate.

Could be age too, which factors in there quite a bit...

Watch out for GIECO giving you discounts which don't apply. Your rate will go up at renewal because of it.

They made me out to be a member of some organization that I've never even heard of. Gave me a $75/mo discount, and they masked a ticket that my wife got, even though the GIECO agent I spoke with pulled the DMV report and told me it was on her record (which I had forgotten about it) - when I called later about the membership issue, I checked on the ticket since it was also not "showing up" on the online deally. Person on the other end "updated" my rate, and it was $2 less than what I was paying before.

I cancelled my insurance with GEICO on the day it was to take effect, and reinstated my insurance with my previous carrier.


Also, all the other companies were higher. Progressive especially..."name your own price" - BS!

Nissan has roadside assistance for at least a year or two as part of owning it. I think that also covers rental reimbursment? (might want to check)

i'm 21, been in a car accident (my fault) when I was 18. I got a speeding ticket about 5 months ago (going 83 on a 65) and i got quoted about $900/6 months from geico.

mine was like $450 for 6months. i own 4 cars and a house so i think im getting some good deals. also my Z is covered under leisure car insurance so that helps too. if your z is a weekend car like mine, check with your agent for such policies.

I just checked with these guys and they are good my quote was $116 a month Im 33 though with a clean whistle. (record) lol

You're in NC. He's in NYC. 'Nuff said. Be happy.:tiphat:

People are getting BUTT RAPED by the Insurance Companies
 

You Guys Are Getting BUTT RAPED. Im only paying around $100 a month, but i pay by the 6 months which is $915. Basic package and good student

AllState
Anderson, Indiana
age: 16
(Mom's) Credit Score: 792
Driving record is Clean (I dont think it will be clean for a while, unless i use the cruise control...lol)

Just how good a student are you? :rofl2:

:icon18:Oh Tony.....

...i have a 4.1 GPA...if that helps..its cause Im chinese