Official Insurance Premium Discussion Thread

[StLRedrider]

House, business, multi car, multi line also help

[gauchowr]

I was just recommended by my dealer to get a quote from Wawanesa. I'll wait and see what it is until I pull the trigger on the Z. Anything under $200 seems f'ing amazing to me.

[ducky]

$329 for 6 months full coverage for me plus roadside assitant..$200 for liability..i got full coverage

[JungleB]

Originally Posted by ducky

$329 for 6 months full coverage for me plus roadside assitant..$200 for liability..i got full coverage

Wow, that's pretty good. I was quoted $880 a year, but I'm 36, no accidents or tickets in recent history and live in a low cost area. I'm presently paying $300/year for my VW.

Something for everyone to keep in mind, much like car buying, you can negotiate rates on insurance. If you find cheaper rates talk your present insurance agent and see if they can match or beat the rates. And take your lowest quote and show it to other companies to see if they can beat it. I was surprised at the rates I was offered when I started shopping around.

[themann1984]

Originally Posted by JungleB

Wow, that's pretty good. I was quoted $880 a year, but I'm 36, no accidents or tickets in recent history and live in a low cost area. I'm presently paying $300/year for my VW.

Something for everyone to keep in mind, much like car buying, you can negotiate rates on insurance. If you find cheaper rates talk your present insurance agent and see if they can match or beat the rates. And take your lowest quote and show it to other companies to see if they can beat it. I was surprised at the rates I was offered when I started shopping around.

You can't negotiate rates. If you go to your agent and they get you a lower rate it is because they either "found" more discounts to apply to your policy, reduced your coverage, or rewrote you into another company with a lower rate level.

Also realize, the agent is paid by commission that is usually 10% to 15% of your premium. It is not in their best interest for everyone to get lower rates.

[kannibul]

Originally Posted by ducky

$329 for 6 months full coverage for me plus roadside assitant..$200 for liability..i got full coverage

FYI, Nissan has roadside assistance as part of their factory warranty.

[DooDooBrown]

I am single, 21 years old, and pay 140.00 a month.... USAA FTW!!

[vipor]

Originally Posted by DooDooBrown

I am single, 21 years old, and pay 140.00 a month.... USAA FTW!!

hell yeah

When I got my 97 240SX back in '01 (I was 19) I was paying $240/mo for the car, and $340/mo for my insurance. I can't remember if I was using Geico or Progressive at the time. Needless to say, recockulous.

[GETU1]

I am single, 31 years old, and pay $1300 a year through Farmer's for full coverage. I use my mom's policy b/c it saves me about $400 a year.

[6spd]

Originally Posted by DooDooBrown

I am single, 21 years old, and pay 140.00 a month.... USAA FTW!!

im 21 and am at 127 a month, full coverage, the works, and perfect credit and own a new home. this is through auto owners. gieco wanted 186... wtf?

i expect it to drop considerably when i hit the magic age of 25.

[vipor]

Originally Posted by 6spd

im 21 and am at 127 a month, full coverage, the works, and perfect credit and own a new home. this is through auto owners. gieco wanted 186... wtf?

i expect it to drop considerably when i hit the magic age of 25.

it's funny, they say 25 or 27, but realistically it slowly lowers every couple of years. it does get more drastic about that age though.

[6spd]

Originally Posted by vipor

it's funny, they say 25 or 27, but realistically it slowly lowers every couple of years. it does get more drastic about that age though.

right, oh and another thing to ponder because i cant get an answer as to why from anyone: my insurance is cheaper on the Z than my old slow RSX... go figure?!?! its probably due to the theft rate and total loss rate, both are VERY high for the rsx. hopefully the Z wont end up that way. i dont think so because a different kind of person buys a Z than the person who buys an rsx.

[Jester]

Like someone said earlier, your credit rating and driving record are the two biggest factors. I work for a State Farm agent in TX and part of what I do is crank out auto quotes half the time. Also, guys pay more for insurance than do women and our rates will not go down until we hit 25. The county/area in which you live is also a big factor. It's one of the first things we enter in the quote. You can also lower your premium by taking defensive driving or driver's training courses, i.e. driver's ed. I'm 26 with decent credit and driving a 2000 camaro z28, paying 126/month with state farm. PM me if you wanna quote to see about what you should really be paying. You can also go online to to get quotes from all of the major companies out there.

[kenchan]

470 something for 6months. Quite higher than my G.

I think the 350Z folks did this to us.

My car is under the leisure car coverage since I only drive on the weekends.

[j.arnaldo]

$1,350.00/year for, both my Z and my wife's Pathfinder (comes to, about, $112.50 per month). Sports cars owners always get the short end of the stick, insurance-wise. Comes with the territory, I guess.