Official Insurance Premium Discussion Thread

Diezul · 12-30-2009, 04:16 AM

I pay about $70 a month for full coverage of my 370Z and just liability for my truck. I'm 24 and live is Southern California. Another weird thing is that I switched my 370Z from pleasure vehicle to daily driver status to be more honest and it actually lowered my rate, they sent me a check for $10 because I paid in advance for 6 months.

DJcuetip · 04-15-2010, 01:13 PM

Hey guys,

I was just wondering if anyone recommends a good insurance that offers a good rate and good coverage. I current have insurance with All State but I feel like I pay a lot per month so I am looking to shop around. I even claimed the car getting an annual mileage of below 3000, but its still pretty high? Since everyone here has a 370z, what company do you use and how are your premiums?

vipor · 04-15-2010, 01:16 PM

c'mon man you know better

370z Insurance?

http://www.the370z.com/nissan-370z-g...ight=insurance

http://www.the370z.com/nissan-370z-p...ight=insurance

Insurance?

Searching for the best Insurance

http://www.the370z.com/nissan-370z-g...ight=insurance

kannibul · 04-15-2010, 01:17 PM

Quote:

Originally Posted by DJcuetip

Hey guys,

I was just wondering if anyone recommends a good insurance that offers a good rate and good coverage. I current have insurance with All State but I feel like I pay a lot per month so I am looking to shop around. I even claimed the car getting an annual mileage of below 3000, but its still pretty high? Since everyone here has a 370z, what company do you use and how are your premiums?

Call around, different companies, different rates, different applications.

wishihadnav · 04-15-2010, 01:25 PM

rates will depend on your dmv record, clue report, years of experience, usage, mileage, and vehicle.

daleks · 04-15-2010, 01:28 PM

It's so subjective. I get all sorts of discounts for having 2 cars, being a homeowner, being married, signing up for automatic payments, etc. Insurance companies definitely compete so just call around and don't be shy about asking for discounts. There are common industry terms so be sure you're comparing apples to apples too. Also, don't just go for the cheapest amount. A few dollars per month for better coverage/services will help if you get into a bind.

The funny thing is out of all the sports cars I've owned over the past few years, my Nismo 370Z is the cheapest even before discounts. In order of most expensive to least expensive it has gone 2007 Civic Si > 2008 350Z > 2009 Nismo 370Z.

Modshack · 04-15-2010, 01:36 PM

It's the freakin car and the demographics that buy it........Just read this forum and you'll know why rates on it are sky high. Thank your street racing buddies with more testosterone than sense... Twice what it was on my '08 Vette and I'm in the lowest risk Age group you can imagine (60 +)...

seb · 04-15-2010, 01:41 PM

Get an insurance broker to find you the best rate for the coverage you want. Saved me a ton of money and didn't charge me for the work. They get referral cash from the insurance companies, so no money out of pocket for you.

kenchan · 04-15-2010, 01:51 PM

i suggest you get some quotes elsewhere and send it to your allstate agent and tell him to match it or come below. otherwise you'll switch. you'll be surprised how much excess $ they have on you sometimes.

vipor · 04-15-2010, 02:03 PM

$90/mo with low deductibles, average miles, rentals, towing, etc. I'm 27.

kenchan · 04-15-2010, 02:20 PM

yah, that's high... but you're only 27 and dont own a house or multiple cars, etc. you'll get your break someday.

SkyZ · 04-15-2010, 03:10 PM

dannnng son 90 a month? i WISH i had those rates XD. $330 a month on the worst coverage. then again i AM a student... 20... XD. still 90 a month is like a dream come true.

370zFORme!! · 04-15-2010, 03:18 PM

I pay $143.50/ month with AIS and I have my 370 and my fiances Sexterra on there so I receive a multi car discount. I (27) have a speeding ticket on my record and she (25) has a perfect driving record. I originally signed up with esurance when I purchased the car 2 months ago and they quoted me $165/month for the same coverage. One month later they shot my premium up to $277/month. Go with AIS, they have so many discounts its ridiculous. When I get married in 3 months, my agent said our premium will drop to under $100 a month. Sounds good to me!

vipor · 04-15-2010, 03:21 PM

Quote:

Originally Posted by kenchan

yah, that's high... but you're only 27 and dont own a house or multiple cars, etc. you'll get your break someday.

True on all counts. I recently upped my coverage and lowered my deductibles to get me to that point. I think I was just shy of $80/mo beforehand. Oh and I have good credit too (not sure if USAA is one of the insurance companies that checks that or not)

Quote:

Originally Posted by SkyZ

dannnng son 90 a month? i WISH i had those rates XD. $330 a month on the worst coverage. then again i AM a student... 20... XD. still 90 a month is like a dream come true.

When I had my 97 240sx I used to pay $340/mo for insurance. I was 19 with a completely clean record. That sucked.

Austin · 04-15-2010, 03:25 PM

I just received a qoute today. Full coverage, low deductible, no rental car, multi car and house discount, 1 speeding ticket ever, 3 slow-rolling through stop signs/lights, 32yo came back $97/mo.

This sounded a bit high to me at first, but from what I have researched, it appears to be not too bad.

04-15-2010, 01:13 PM	#182 (permalink)
DJcuetip Track Member Join Date: Dec 2008 Location: CA Posts: 704 Drives: 370 Rep Power: 259	Insurance Rate Premiums Hey guys, I was just wondering if anyone recommends a good insurance that offers a good rate and good coverage. I current have insurance with All State but I feel like I pay a lot per month so I am looking to shop around. I even claimed the car getting an annual mileage of below 3000, but its still pretty high? Since everyone here has a 370z, what company do you use and how are your premiums?

04-15-2010, 01:16 PM	#183 (permalink)
vipor A True Z Fanatic Join Date: Aug 2009 Location: Euless, TX [ DFW ] Age: 41 Posts: 13,531 Drives: Nismo 09-0183 QAB Rep Power: 48	c'mon man you know better 370z Insurance? http://www.the370z.com/nissan-370z-g...ight=insurance http://www.the370z.com/nissan-370z-p...ight=insurance Insurance? Searching for the best Insurance http://www.the370z.com/nissan-370z-g...ight=insurance __________________ 2009 NISMO # 0193 \| QAB \| Albums! \| 05.04.10 (Dynojet) 291.94hp/248.28tq Oil Cooler (DIY) \| Custom Headlights \| GTSPEC Braces \| F.I. Long Tube Headers

04-15-2010, 01:36 PM	#187 (permalink)
Modshack A True Z Fanatic Join Date: Mar 2009 Location: Greenville NC Posts: 2,883 Drives: 370Z Sport Rep Power: 976	It's the freakin car and the demographics that buy it........Just read this forum and you'll know why rates on it are sky high. Thank your street racing buddies with more testosterone than sense... Twice what it was on my '08 Vette and I'm in the lowest risk Age group you can imagine (60 +)... __________________ Steal my car! (SOLD)...Now Porsche Cayman S Oil Cooler DIY: Here!

04-15-2010, 02:03 PM	#190 (permalink)
vipor A True Z Fanatic Join Date: Aug 2009 Location: Euless, TX [ DFW ] Age: 41 Posts: 13,531 Drives: Nismo 09-0183 QAB Rep Power: 48	$90/mo with low deductibles, average miles, rentals, towing, etc. I'm 27. __________________ 2009 NISMO # 0193 \| QAB \| Albums! \| 05.04.10 (Dynojet) 291.94hp/248.28tq Oil Cooler (DIY) \| Custom Headlights \| GTSPEC Braces \| F.I. Long Tube Headers

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12-30-2009, 04:16 AM	#181 (permalink)
Diezul Base Member Join Date: Dec 2009 Location: Irvine Posts: 7 Drives: 370Z Rep Power: 15	I pay about $70 a month for full coverage of my 370Z and just liability for my truck. I'm 24 and live is Southern California. Another weird thing is that I switched my 370Z from pleasure vehicle to daily driver status to be more honest and it actually lowered my rate, they sent me a check for $10 because I paid in advance for 6 months.

04-15-2010, 01:25 PM	#185 (permalink)
wishihadnav A True Z Fanatic Join Date: Nov 2009 Location: 90090 Posts: 1,851 Drives: Force Fed Nismo Rep Power: 183	rates will depend on your dmv record, clue report, years of experience, usage, mileage, and vehicle.

04-15-2010, 01:28 PM	#186 (permalink)
daleks Enthusiast Member Join Date: Apr 2010 Location: St. Louis Posts: 424 Drives: 2011 Evo X MR Rep Power: 15	It's so subjective. I get all sorts of discounts for having 2 cars, being a homeowner, being married, signing up for automatic payments, etc. Insurance companies definitely compete so just call around and don't be shy about asking for discounts. There are common industry terms so be sure you're comparing apples to apples too. Also, don't just go for the cheapest amount. A few dollars per month for better coverage/services will help if you get into a bind. The funny thing is out of all the sports cars I've owned over the past few years, my Nismo 370Z is the cheapest even before discounts. In order of most expensive to least expensive it has gone 2007 Civic Si > 2008 350Z > 2009 Nismo 370Z.

04-15-2010, 01:41 PM	#188 (permalink)
seb Base Member Join Date: Mar 2010 Location: Pleasanton, CA Posts: 25 Drives: 2010 370z Nismo M6 Rep Power: 15	Get an insurance broker to find you the best rate for the coverage you want. Saved me a ton of money and didn't charge me for the work. They get referral cash from the insurance companies, so no money out of pocket for you.

04-15-2010, 01:51 PM	#189 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141520	i suggest you get some quotes elsewhere and send it to your allstate agent and tell him to match it or come below. otherwise you'll switch. you'll be surprised how much excess $ they have on you sometimes.

04-15-2010, 02:20 PM	#191 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141520	yah, that's high... but you're only 27 and dont own a house or multiple cars, etc. you'll get your break someday.

04-15-2010, 03:10 PM	#192 (permalink)
SkyZ Enthusiast Member Join Date: Jul 2009 Location: Canada Posts: 382 Drives: 09 370z PG M6 Rep Power: 15	dannnng son 90 a month? i WISH i had those rates XD. $330 a month on the worst coverage. then again i AM a student... 20... XD. still 90 a month is like a dream come true.

04-15-2010, 03:18 PM	#193 (permalink)
370zFORme!! Premium Member Join Date: Mar 2010 Location: SoCal Posts: 1,459 Drives: 2012 6MT STiffy Rep Power: 17	I pay $143.50/ month with AIS and I have my 370 and my fiances Sexterra on there so I receive a multi car discount. I (27) have a speeding ticket on my record and she (25) has a perfect driving record. I originally signed up with esurance when I purchased the car 2 months ago and they quoted me $165/month for the same coverage. One month later they shot my premium up to $277/month. Go with AIS, they have so many discounts its ridiculous. When I get married in 3 months, my agent said our premium will drop to under $100 a month. Sounds good to me!

04-15-2010, 03:25 PM	#195 (permalink)
Austin Base Member Join Date: Apr 2010 Location: Kansas City Posts: 53 Drives: 2007 350z Rep Power: 15	I just received a qoute today. Full coverage, low deductible, no rental car, multi car and house discount, 1 speeding ticket ever, 3 slow-rolling through stop signs/lights, 32yo came back $97/mo. This sounded a bit high to me at first, but from what I have researched, it appears to be not too bad.