Originally Posted by gsxr750 (Post 1682826)

After 30 yrs.of phone calls for insurance rates here is what you are left with for the best rates.

For cars its Geico and Allstate, if rates are close go with Allstate they are better to deal with on claims.

For motorcycles - Progressive hands down and their rates on car insurance is not that good, as Geico or Allstate.

Also if your are only 20, you should try and stay away from a sports car or high performance car class until you get to be 25 for strictly insurance purposes. Before you buy a car check out the rates, your really better off getting one of the sleeper class of sports cars that will slip thru the insurance companies hi rates, something like a (standard V6 camaro,V6 challenger, V6 mustang), wrx, (altima sport 4 cylinder v6 ) etc.

Right now stay away from cars with the ss, rt, or truely sports cars, unless you can afford the high rates, with rich parents or a high paying job.

This will save you a lot of money on insurance rates.

If your dad puts you on his insurance the rates will be a lot cheaper, but he risks a lot if you get into an accident with the sports car and someone is really injured bad. If you insist on getting a sports car then I would not make my parents put you on their policy, as long as your are over 18 and not living at home and have your own insurance in your name, then they are off the hook legally, and once you hit 21yr. if you are still living at home.

Originally Posted by Nismodean (Post 1684540)

Progressive- $105 a month with a 30+mph over ticket (was worth proving to that dodge challenger owner what the Z is capable of :p). Cop caught me at the peak of a hill after the fact. :shakes head:

Geico is a rip off, they raised my insurance for no reason when I was 24 and dropped it back down to what I was originally paying when I turned 25. :ughdance:

The claims department is outstanding for both Allstate (the guy who hit me) and Progressive.

Originally Posted by Huckleberry (Post 1684826)

progressive wanted 250 a month for my Z with no accidents or tickets. So, they can go to hell.

Originally Posted by FateAveRun (Post 1684300)

So I got a quote and wow. You weren't joking when you said it was high. They expected a $600 premium and $500 monthly... I don't even want to put my parents through something like that. I don't understand what you mean about the accident with my dad as the primary. Would the rates triple or something since I'm not the primary individual on the account?

Originally Posted by gsxr750 (Post 1684984)

Any accident or ticket, DWI etc that happens to you while you are driving a car under his name or under his insurance policy , will effect your parents insurance rates for up to 4 yrs if anything ever happens and also legally and finacially if anything bad serious injuries or deaths occur. Result , of court judgemnt against you and your parents in serious accident, wage garnishment, leen on any home or property they own.

That is why its best to keep any car children drive, titled in the childs name and also have them buy their own insurance in their own name.

You always here it from the stupid parents that feel their little angel will never get into trouble, but we all know what devils we can turn into once our parents are out of sight. So they never believe their little angel would do anything intentionally wrong behind the wheel of the car and the parents cry the blues later once they face legal issues and finacial costs, due to their little angel.

So it comes down to being an adult and accepting the costs of it, your 20 now and its time to accept full responsibilty, for anything you do , so put everything in your own name or the other option would be to find a dumb older girl friend and put the car in her name, a lot of guys do it once they get a DWI etc. Only problem is that if you break up she can keep the car as it will be titled in her name.

Originally Posted by gsxr750 (Post 1684984)

Any accident or ticket, DWI etc that happens to you while you are driving a car under his name or under his insurance policy , will effect your parents insurance rates for up to 4 yrs if anything ever happens and also legally and finacially if anything bad serious injuries or deaths occur. Result , of court judgemnt against you and your parents in serious accident, wage garnishment, leen on any home or property they own.

That is why its best to keep any car children drive, titled in the childs name and also have them buy their own insurance in their own name.

You always here it from the stupid parents that feel their little angel will never get into trouble, but we all know what devils we can turn into once our parents are out of sight. So they never believe their little angel would do anything intentionally wrong behind the wheel of the car and the parents cry the blues later once they face legal issues and finacial costs, due to their little angel.

So it comes down to being an adult and accepting the costs of it, your 20 now and its time to accept full responsibilty, for anything you do , so put everything in your own name or the other option would be to find a dumb older girl friend and put the car in her name, a lot of guys do it once they get a DWI etc. Only problem is that if you break up she can keep the car as it will be titled in her name.

Originally Posted by FateAveRun (Post 1681414)

Hello members,

I am soon on my way to a new 370Z! :driving:
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.

Originally Posted by ImportConvert (Post 1686288)

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.