Official Insurance Premium Discussion Thread

[NBZ34]

2012 370Z Six-Month Premium $383.01 or $63.83/mo. with the following coverage:

Country = U.S.
State = Texas (San Antonio)
Age = 41
Company = USAA

Discounts =
Multi Car
New Car
Premier driver
USAA Member

Coverages =
Comp/Coll: $500/500
Bodily Injury Liability: $30k/60k per person
Property Damage Liability: $25k per accident
Uninsured/Underinsured Motorists Bodily Injury: $30k/60k per person
Personal Injury Protection: $2500 per person
Uninsured/Underinsured Motorists Property Damage: $25k per accident
Towing & Labor

[vo2max99]

Yeah individual insurance rates can vary tremendously from person to person due to a huge array of variables.

Some of these "variables" that can determine your individual rate are:

Married / Single?
Rent / Own?
Male / Female?
Zip code?
Driving record?
Age?
Credit score?
Fed / Military discount?
How many vehicles?
And so on....

So it's really pointless to inquire what others are paying as it's highly individualized.

With that said I'm with Progressive and so far so good. I'm 32 (33 on 29 May) pay 131 month. Would be A LOT lower without the "Reckless driving" and (2) speeding tickets (1 under 15; 1 15 over) I spent 13 days in jail for the reckless driving charge which was dropped from "racing".

The reality is that it was neither but the **** cop driving behind me and my buddy said we were so... Lawyered up, charge dropped to reckless but my buddy failed to let me know of the court date. So a few days latter LEO showed up at my door, put me in cuffs and hauled my *** to the station. The bitch judge didn't even allow bail so good thing it wasn't any longer than 13 days before I got to see the judge.

The reckless driving and speeding tickets will be off my record by September this year. I imagine my rate will drop to $80-90 a month. This is cool because it'll be right around the time I purchase a new car.


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I am here: http://tapatalk.com/map.php?junqxy

[ImportConvert]

Originally Posted by FateAveRun

Hello members,

I am soon on my way to a new 370Z!
But...before I get into my lovely car I need to know how much
insurance would be since if it's at too high of a range I might not
be able to afford it. So if you would kindly tell me how much you pay
that'd be great. I live in California and have a good student discount so
any info would be welcome.

26/m/single/Louisiana (71115)/2-car and renter's insurance discount.
Rent
Credit-score 700+
Flawless driving record
Allstate is my carrier

(My 2011 Z06 with the same ran me $212 a month or something, IIRC)

I pay about $160 a month for full coverage and free replacement car if it gets totaled for any reason in the next 3 years (i.e. they buy me a new one off the show-room of the current year-model as closely equipped to mine as possible). $500 vanishing deductible.

[MacLean]

Originally Posted by ImportConvert

26/m/single/Louisiana (71115)/2-car and renter's insurance discount.
Rent
Credit-score 700+
Flawless driving record
Allstate is my carrier

(My 2011 Z06 with the same ran me $212 a month or something, IIRC)

I pay about $160 a month for full coverage and free replacement car if it gets totaled for any reason in the next 3 years (i.e. they buy me a new one off the show-room of the current year-model as closely equipped to mine as possible). $500 vanishing deductible.

Uhhhhh......... WOW.....ok credit score. So what is your SSN & DL #? We need to-do a back ground check to check out your facts. We will also conduct a drug test too (hair sample only).

[snaxbox]

Like as those experts said, insurance policy varies depending on your age, location, etc. Might as well pay some insurance company in your area a visit to get the actual quote. Or you can get one through online if you're not able to shop for one around.

[HippityHop]

I'm paying2989 every 6 months for my nismo 370z. :/
I can't find anything cheaper. I am 20 years old and have had 3 accidents and 8 traffic violations in the last 3 years. I had some bad driving habits a couple years ago. I'm just waiting for those accidents and tickets to go away now.

[m4a1mustang]

Originally Posted by HippityHop

I'm paying2989 every 6 months for my nismo 370z. :/
I can't find anything cheaper. I am 20 years old and have had 3 accidents and 8 traffic violations in the last 3 years. I had some bad driving habits a couple years ago. I'm just waiting for those accidents and tickets to go away now.

[RiCharlie]

Originally Posted by HippityHop

I'm paying2989 every 6 months for my nismo 370z. :/
I can't find anything cheaper. I am 20 years old and have had 3 accidents and 8 traffic violations in the last 3 years. I had some bad driving habits a couple years ago. I'm just waiting for those accidents and tickets to go away now.

Hmmm maybe your not the kind of risk they want to take...

When you say "I had some bad driving habits a couple years ago." When was the last accident or traffic ticket?

[HippityHop]

Originally Posted by RiCharlie

Hmmm maybe your not the kind of risk they want to take...

When you say "I had some bad driving habits a couple years ago." When was the last accident or traffic ticket?

2 years ago I had about 6 tickets for speeding15+ mph over the limit. Couldn't drive much after that. license was suspended for 6 months. got in some more trouble and got it suspended for a few more months. From what many people tell me, my driving record should start clearing up 3 years after paying the fines and everything.

[Educ8r]

I traded my Z on a 5.0 and my insurance was cheaper. I traded my 5.0 on a Shelby GT500 and my insurance rate didn't change, I was expecting it to increase. I switched from Progressive to AllState and that saved me $1172 over a 6 month period.

[LinPark]

Originally Posted by Educ8r

I traded my Z on a 5.0 ... I traded my 5.0 on a Shelby GT500 ...

Why do you keep downgrading?

Just kiddin' with ya - I'd be interested in hearing your comparisons between the 3.

[RiCharlie]

Originally Posted by HippityHop

2 years ago I had about 6 tickets for speeding15+ mph over the limit. Couldn't drive much after that. license was suspended for 6 months. got in some more trouble and got it suspended for a few more months. From what many people tell me, my driving record should start clearing up 3 years after paying the fines and everything.

Well if you were an insurance company would you want to insure yourself?

[gnznroses]

Quick update on my situation two posts up:
shopped around for insurance and got outrageous rates and companies unwilling to take me. Searched online and found a company i had never heard of called Amica. found them via the JD Power website where they were the top-rated company for several years in a row. They're an online/by-phone-only insurance company. Accepted me and my rate is about the same as I had before with St Farm

[jennyt71]

Originally Posted by gnznroses

Quick update on my situation two posts up:
shopped around for insurance and got outrageous rates and companies unwilling to take me. Searched online and found a company i had never heard of called Amica. found them via the JD Power website where they were the top-rated company for several years in a row. They're an online/by-phone-only insurance company. Accepted me and my rate is about the same as I had before with St Farm

Ive had Amica for 15+ years.. they've been great! I have car & home insurance with them.

[Snakes709]

Yea buddy, my insurence just dropped for my EvoX.......























































by $2 a month, lmao. I'm now paying $2593 a year for insurence. I'm 26, no tickets, 1 accident. Another year and a half until its off my record.