Official Insurance Premium Discussion Thread

[whoady4shoady]

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.

Im 27 and have never had a claim and the cheapest I can get even with all kinds of discounts and pleasure driver is $204 a month. I would kill to pay anything under $200. Louisiana sucks balls.

[Hi-Step'n370Z]

Originally Posted by whoady4shoady

Im 27 and have never had a claim and the cheapest I can get even with all kinds of discounts and pleasure driver is $204 a month. I would kill to pay anything under $200. Louisiana sucks balls.

whoady4shoady's right.

I am with Allstate, have been since age 18, and I pay a whopping $630.00 for a whole year, and I have high end coverage. BUT.... I also have my house - w/a 1,000,000.00 added umbrella, and my other car, and have a spotless record, and some advantage by being a long term customer, so I get all the discounts available.

When I started out, I payed ultra high premiums too.

Keep your nose clean, and your day will come.

My advise is to absolutely shop around for rate, but don't skimp on the coverage. Real good high end coverage is not that much more expensive than the cheap-o with lousy coverage. And the only time you'll realize this is when - if - you need your insurance. Don't find out the hard way.

When I did need to use Allstate, they always came through for me with flying colors, and that's important. So also research the insurance company well before you sign on.

[370zFORme!!]

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]

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)

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]

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.

[Marco_xyz]

Originally Posted by Austin

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.

where did you get this quote?

[vipor]

When you say "low deductible" do you mean $250 or what?

Seems high to me... is that for both cars?

[Austin]

Originally Posted by vipor

When you say "low deductible" do you mean $250 or what?

Seems high to me... is that for both cars?

$500 deductible. For the Jeep and the 370z (quoted as a roadster), both with the same coverage, would put me at $116/mo combined.

[Austin]

It is from an American Family Insurance, Kansas City area.

[zmyride]

AAA insurance.
Two cars.
Two policy holders.
California
Zero points on DMV. Clean records.
over 30s.
500/1000 deductibles/collision.

I paid $95 / month.

[kannibul]

Funny, and true thing.

My 370z costs less to insure than my Frontier, and our Civic costs the most.

Why? Z gets no mileage. Frontier also gets no mileage, but it's a 5000lb brick I guess, that and it has 4WD and can tow things. Civic is the daily driver/work transporter.

[wishihadnav]

^^reason why your Z may cost less to insure than the other vehicles is probably because the way they are rating the drivers on each vehicle...the Z is more than likely rated as pleasure use with minimal mileage/usage while your other vehicles are the commuters..the rated commuters have more exposure to accidents therfore tend to cost more to insure.

[JACKPAC]

31 y/o.
2 cars and a house
full coverage with 500 deduct.
$63.33/ month (shopped hard on previous vehicle)
Shelter Insurance

[marcussoori]

Midwest ("Great Plains" to you easterners) state, 27 yo, $750 / 6 mos.

$500 ded. collision
$0 ded. comp.

Single, no other cars or house, and no other ins. with same company.

No tickets in past 5 years, but two ins. claims in past few years.

[Smallywood]

$118 a month for 4 vehicles:

2009 370z
2009 Murano
2010 Sentra
2010 Versa

State Farm