Official Insurance Premium Discussion Thread

superz · 11-07-2009, 10:30 PM

Just paid $279 for 6 months. Was paying $379 for 6 months on my 2005 H2 SUT. I have a clean driving record, but I can see the possibility of speeding tickets.

speedoflife · 11-07-2009, 11:14 PM

You all have it lucky. I drive a sedan, have a clean record, get a discount for only driving 6 months out of the year, and pay a slight bit over $300 a month.
Granted, I am 17 years old, and the majority of my money goes to insurance (I am only able to work during summers).

I just want to turn 25... (for insurance's sake)

myfirstz · 11-08-2009, 12:56 AM

Quote:

Originally Posted by gauchowr

What are you guys paying for insurance on your 370z's? I have a parking lot accident from last summer and three and a half years ago I fell asleep while driving and totaled my truck. Geico quoted me about $340 per month. Does this sound a little steep to anyone? Also, for anyone else in a similar situation to mine, are you paying less for your insurance and who is your insurance provider? I am in the process of buying today but I don't want to pay that much for insurance.

David

Age: 36
Marital Status: Married
Location: Valley Grande, AL
Other Vehicles: 03 Jag X Type 2.5 and 02 Chevy Suburban LT 4X4
Other Drivers: Wife (same age)
Accidents/Tickets: Both of us have clean records. No violations of any type since driving.

Our coverage limits are 50/100/50. Our deductible is $500. We pay $725 for 6 months which is equivalent to $120.83 p/mo for 3 cars FULL Coverage. The insurance company is Progressive. The Z alone for 6 months is $372 which is $62 p/mo full coverage. I would say those are AWESOME rates!

j.arnaldo · 11-08-2009, 10:03 AM

Insurance companies have a literal war, one trying to capture the others' clients. It all boils down to how well you can negotiate, how flexible the agent is, etc.

MindFusion FX · 11-10-2009, 09:19 AM

i dont have the car yet..but i got a final quote from Allstate

162 per month full coverage (300/100 coverage). I'm 24 have a bunch of tickets including reckless driving and a ton of speeding tickets..so i dont think 162 is too bad.

PapoZalsa · 11-13-2009, 10:42 PM

USAA Ins.

mirror · 11-14-2009, 04:23 AM

I'm 22 and I've had one major accident (not my fault).

State Farm wants ~$180/month to insure a Z which is significantly higher than what I'm paying now for my current two-door car.

JMA · 11-26-2009, 12:11 AM

My insurance guy just quoted me about $100/month for 2 cars - my existing chevy pickup and the Z I want to buy. That's for 50/100 with a 1000 deductable. The new Z was less than twice what my 1993 Chevy pickup is with over 145K miles. ...but I'm late 40s with a very good record and have listed the Z as not commuting with it to work.

toxic 6 · 11-26-2009, 07:12 AM

Quote:

Originally Posted by gauchowr

What are you guys paying for insurance on your 370z's? I have a parking lot accident from last summer and three and a half years ago I fell asleep while driving and totaled my truck. Geico quoted me about $340 per month. Does this sound a little steep to anyone? Also, for anyone else in a similar situation to mine, are you paying less for your insurance and who is your insurance provider? I am in the process of buying today but I don't want to pay that much for insurance.

David

i pay $320 per every 6mnts w/usaa
i have 09 nismo

WaDsTaZ · 11-26-2009, 08:49 PM

I work as an auto insurance broker. If you have a clean driving record, the difference between companies will be somewhat minimal. I have 3 speedings, 1 speeding 100+, 1 at-fault accident, and a crossing double yellow lines and my insurance will be about $240 a month for Liability: 25/50/25 Uninsured Motorist: 25/50/CDW Medical 10,000 Comp Ded 100 and Coll Ded 1,000. In September 2 speedings and the accident will fall off my record and will lower my rates about 100 per month.

A couple of things you should note. Not every violation comes off in 3 years. Speeding 100+ stays on for 7 years, DUI for 10 years, and there are a few others that stay on for 5-7 years.

Another note, you can get 15% off with Progressive insurance if you a) are a member of a credit union, or b) are a AAA member for at least 30 days before starting the policy.

And one more, Progressive takes your word for mileage, so I have my annual mileage at 2,000 and they never check. Ever.

Hope that helps...

AMack · 12-28-2009, 07:28 PM

Anyone have any idea how much I'd pay?

I'm looking to buy an 09/10 in the summer once I get my signing bonus to use a down payment.

21/m/no tickets ever but I totaled my 1st Camaro when I was 16.

I'll initially be buying the car in suburban PA, but my job is in Chicago so eventually the insurance will get transfered there (i know its considerably more expensive)...unless I can somehow stay on my parents plan or keep the car registered in PA

PapoZalsa · 12-28-2009, 08:27 PM

Quote:

Originally Posted by AMack

Anyone have any idea how much I'd pay?

I'm looking to buy an 09/10 in the summer once I get my signing bonus to use a down payment.

21/m/no tickets ever but I totaled my 1st Camaro when I was 16.

I'll initially be buying the car in suburban PA, but my job is in Chicago so eventually the insurance will get transfered there (i know its considerably more expensive)...unless I can somehow stay on my parents plan or keep the car registered in PA

You will probabbly pay more for the monthly insurance then the car payment. Anyway you can get a quote online. GL

nuTinmuch · 12-28-2009, 09:53 PM

Called my insurance agent to compare a few cars... apparently High Point does not count a 370 as a high performance car and therefore 6 months is not bad at all from them. I think I was quoted at around 5-600?

Consider right now I'm paying $900 every 6 for a 07 G5 which is a pube compared to the Z.

AMack · 12-29-2009, 02:30 AM

Quote:

Originally Posted by PapoZalsa

You will probabbly pay more for the monthly insurance then the car payment. Anyway you can get a quote online. GL

Yea I did some checks on the Statefarm Website and it seems like a 370 would cost about $205/month in Chicago but About $160 at my parents house in PA. I'm guessing theres no way to keep the insurance at my parents house for more than the first year?

Also, seems like a lot of you guys have USAA...are all of you in the Armed forces? or is there another way to get that coverage?

spearfish25 · 12-29-2009, 05:07 AM

Quote:

Originally Posted by AMack

Yea I did some checks on the Statefarm Website and it seems like a 370 would cost about $205/month in Chicago but About $160 at my parents house in PA. I'm guessing theres no way to keep the insurance at my parents house for more than the first year?

Also, seems like a lot of you guys have USAA...are all of you in the Armed forces? or is there another way to get that coverage?

Didn't think of the premium difference based on location. That definitely is a factor.

The only way to have USAA is to be in the services or have a family member who is/was.

11-07-2009, 11:14 PM	#2 (permalink)
speedoflife Enthusiast Member Join Date: Aug 2009 Location: MS/TX Posts: 268 Drives: '06 Pontiac G.P. Rep Power: 17	You all have it lucky. I drive a sedan, have a clean record, get a discount for only driving 6 months out of the year, and pay a slight bit over $300 a month. Granted, I am 17 years old, and the majority of my money goes to insurance (I am only able to work during summers). I just want to turn 25... (for insurance's sake) Last edited by speedoflife; 11-07-2009 at 11:53 PM.

12-28-2009, 09:53 PM	#13 (permalink)
nuTinmuch A True Z Fanatic Join Date: Dec 2009 Location: New Jersey Posts: 1,092 Drives: PG 7AT 370Z Rep Power: 19	Called my insurance agent to compare a few cars... apparently High Point does not count a 370 as a high performance car and therefore 6 months is not bad at all from them. I think I was quoted at around 5-600? Consider right now I'm paying $900 every 6 for a 07 G5 which is a pube compared to the Z. __________________ nuTinmuch! -- Platinum Graphite 370Z -- Check out my Gallery thread here!

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11-07-2009, 10:30 PM	#1 (permalink)
superz Base Member Join Date: Sep 2009 Location: Overland Park, KS Posts: 11 Drives: 09 370Z TS Black Rep Power: 17	Just paid $279 for 6 months. Was paying $379 for 6 months on my 2005 H2 SUT. I have a clean driving record, but I can see the possibility of speeding tickets.

11-08-2009, 10:03 AM	#4 (permalink)
j.arnaldo Banned Join Date: Oct 2009 Location: Puerto Rico Posts: 937 Drives: Nissan 350Z, 2004 Rep Power: 0	Insurance companies have a literal war, one trying to capture the others' clients. It all boils down to how well you can negotiate, how flexible the agent is, etc.

11-10-2009, 09:19 AM	#5 (permalink)
MindFusion FX Base Member Join Date: Nov 2009 Location: Hollywood, FL Posts: 132 Drives: Getting a 370 Soon Rep Power: 17	i dont have the car yet..but i got a final quote from Allstate 162 per month full coverage (300/100 coverage). I'm 24 have a bunch of tickets including reckless driving and a ton of speeding tickets..so i dont think 162 is too bad.

11-13-2009, 10:42 PM	#6 (permalink)
PapoZalsa A True Z Fanatic Join Date: Nov 2009 Location: Not in Sunny Florida Posts: 6,358 Drives: 16 Nismo w/Tech Pack Rep Power: 4501	USAA Ins.

11-14-2009, 04:23 AM	#7 (permalink)
mirror Base Member Join Date: Sep 2009 Location: edgewater, nj Posts: 16 Drives: 07 350z Rep Power: 17	I'm 22 and I've had one major accident (not my fault). State Farm wants ~$180/month to insure a Z which is significantly higher than what I'm paying now for my current two-door car.

11-26-2009, 12:11 AM	#8 (permalink)
JMA Base Member Join Date: Nov 2009 Location: TX Posts: 5 Drives: 370Z Rep Power: 17	My insurance guy just quoted me about $100/month for 2 cars - my existing chevy pickup and the Z I want to buy. That's for 50/100 with a 1000 deductable. The new Z was less than twice what my 1993 Chevy pickup is with over 145K miles. ...but I'm late 40s with a very good record and have listed the Z as not commuting with it to work.

11-26-2009, 08:49 PM	#10 (permalink)
WaDsTaZ Base Member Join Date: Nov 2009 Location: NorCal Posts: 1 Drives: 06 350Z Rep Power: 17	I work as an auto insurance broker. If you have a clean driving record, the difference between companies will be somewhat minimal. I have 3 speedings, 1 speeding 100+, 1 at-fault accident, and a crossing double yellow lines and my insurance will be about $240 a month for Liability: 25/50/25 Uninsured Motorist: 25/50/CDW Medical 10,000 Comp Ded 100 and Coll Ded 1,000. In September 2 speedings and the accident will fall off my record and will lower my rates about 100 per month. A couple of things you should note. Not every violation comes off in 3 years. Speeding 100+ stays on for 7 years, DUI for 10 years, and there are a few others that stay on for 5-7 years. Another note, you can get 15% off with Progressive insurance if you a) are a member of a credit union, or b) are a AAA member for at least 30 days before starting the policy. And one more, Progressive takes your word for mileage, so I have my annual mileage at 2,000 and they never check. Ever. Hope that helps...

12-28-2009, 07:28 PM	#11 (permalink)
AMack Base Member Join Date: Dec 2009 Location: PA Posts: 7 Drives: 92 Camaro Z28 A4 Rep Power: 17	Anyone have any idea how much I'd pay? I'm looking to buy an 09/10 in the summer once I get my signing bonus to use a down payment. 21/m/no tickets ever but I totaled my 1st Camaro when I was 16. I'll initially be buying the car in suburban PA, but my job is in Chicago so eventually the insurance will get transfered there (i know its considerably more expensive)...unless I can somehow stay on my parents plan or keep the car registered in PA