Insurance?

polarity · 09-20-2009, 08:34 AM

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.

WShade · 09-20-2009, 10:46 AM

Quote:

Originally Posted by polarity

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.

chrisguo0609 · 09-20-2009, 09:34 PM

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

Solus · 09-21-2009, 10:19 AM

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

bloodo · 09-21-2009, 11:56 AM

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.

Solus · 10-04-2009, 06:29 PM

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

kannibul · 10-05-2009, 12:23 AM

Quote:

Originally Posted by Solus

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

Your married, you get a lower rate.

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

370Zsteve · 10-17-2009, 03:03 PM

Quote:

Originally Posted by Solus

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

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

thisistony213 · 12-01-2009, 10:28 AM

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)

flashburn · 12-01-2009, 11:50 AM

Quote:

Originally Posted by thisistony213

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?

370Zapper · 12-01-2009, 12:49 PM

Oh Tony.....

Steven · 10-04-2009, 10:12 PM

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.

kannibul · 10-05-2009, 12:27 AM

Quote:

Originally Posted by Steven

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.

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!

kannibul · 10-05-2009, 12:28 AM

Quote:

Originally Posted by Steven

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.

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)

TL370Z · 10-05-2009, 09:14 AM

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.

12-01-2009, 10:28 AM	#9 (permalink)
thisistony213 Base Member Join Date: Nov 2009 Location: Midwest, US Posts: 5 Drives: N/A Rep Power: 16	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)

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09-20-2009, 08:34 AM	#1 (permalink)
polarity Base Member Join Date: Feb 2009 Location: Mississippi Posts: 166 Drives: [2009 370Z] Rep Power: 17	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.

09-20-2009, 09:34 PM	#3 (permalink)
chrisguo0609 Base Member Join Date: Sep 2009 Location: Charlotte Posts: 10 Drives: 09 Nissan 370Z Auto Rep Power: 16	im 19 years old and im paying 283 per month...

09-21-2009, 10:19 AM	#4 (permalink)
Solus Enthusiast Member Join Date: Apr 2009 Location: Jacksonville, NC Posts: 453 Drives: 2009 Nissan 370z Rep Power: 17	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

09-21-2009, 11:56 AM	#5 (permalink)
bloodo Base Member Join Date: May 2009 Location: Nebraska Posts: 93 Drives: . Rep Power: 17	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.

10-04-2009, 06:29 PM	#6 (permalink)
Solus Enthusiast Member Join Date: Apr 2009 Location: Jacksonville, NC Posts: 453 Drives: 2009 Nissan 370z Rep Power: 17	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

12-01-2009, 12:49 PM	#11 (permalink)
370Zapper Base Member Join Date: Oct 2009 Location: Milwaukee, WI Posts: 116 Drives: PG auto/sport 370Z Rep Power: 16	Oh Tony.....

10-04-2009, 10:12 PM	#12 (permalink)
Steven Base Member Join Date: Sep 2009 Location: Clear Lake, TX Posts: 130 Drives: 09 370Z M6 Rep Power: 16	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.

10-05-2009, 09:14 AM	#15 (permalink)
TL370Z Base Member Join Date: Jul 2009 Location: Philadelphia, PA Age: 37 Posts: 16 Drives: 03 Nissan Maxima SE Rep Power: 17	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.