Official Insurance Premium Discussion Thread

Bonzo · 02-09-2012, 02:30 PM

I was reading another thread and someone posted a comment about living in a state where insurance is cheap, and I saw their definition of cheap. It was much more than I pay. So, I was just wondering, what does everyone pay around the globe?

Of course if you could make it a bit detailed that would be helpful so we can compare. Here's me.....

Country = U.S.
State = Ohio
Age = Mid 40's
Discounts = Accident Free, 4 Cars & House
Deductable = $250
6 Month Full Coverage Insurance Rate = $309 ($618 per year)

Thanks for participating.

Cheers --- Bonzo

kenchan · 02-09-2012, 02:36 PM

290 6months 100 deductable.

bluezed · 02-20-2012, 03:39 PM

Quote:

Originally Posted by kenchan

290 6months 100 deductable.

It seems like you're still winning. How the heck can you get that rate?

Quote:

Originally Posted by AhadV

wow...
um..18
Texas
2 speeding tickets on record
1 car accident

$1000 deductible
$354/ month
for first 6 months...
then if no more tickets

$304/ month

Wow pretty high. I remember paying $300/month for my teg!

kenchan · 02-20-2012, 05:55 PM

Quote:

Originally Posted by bluezed

It seems like you're still winning. How the heck can you get that rate?

since this is my weekend car and dont drive more than 7500miles per year i have it under 'leisure car' insurance. check with your agent if they offer something similar. other than the max milage of 7500miles, the coverage is the same. one must have a primary car (dd) with full coverage to get this though. my G is my primary car and covered 280 for 6months so still very cheap.

i am with a major insurance company covered for house/2 life/3cars/music instruments.

bluezed · 02-21-2012, 04:56 PM

Quote:

Originally Posted by kenchan

since this is my weekend car and dont drive more than 7500miles per year i have it under 'leisure car' insurance. check with your agent if they offer something similar. other than the max milage of 7500miles, the coverage is the same. one must have a primary car (dd) with full coverage to get this though. my G is my primary car and covered 280 for 6months so still very cheap.

i am with a major insurance company covered for house/2 life/3cars/music instruments.

I was told that CA does not have that mileage thing. I did put in 5000 miles/6 months and this is a 'leisure car' when I did my insurance. Though, don't really know if it had an effect. I'll call them again. I am looking at some of the rates that people get here, it seems like mine isn't bad at all. I pay $176/month for two cars with full coverage. I should take out the full coverage on my Integra though. Just debating if I should or not.

kenchan · 02-22-2012, 10:28 AM

Quote:

Originally Posted by bluezed

I was told that CA does not have that mileage thing. I did put in 5000 miles/6 months and this is a 'leisure car' when I did my insurance. Though, don't really know if it had an effect. I'll call them again. I am looking at some of the rates that people get here, it seems like mine isn't bad at all. I pay $176/month for two cars with full coverage. I should take out the full coverage on my Integra though. Just debating if I should or not.

hummmm... that could be. insurance is kinda tricky since you dont know if you will really use it or not.

hahahaha.

i could completely remove my Z from insurance over the hibernating months but it would only save me like $120+ for the near 3months and the hassle of turning the coverage on/off is asking for clerical error to happen along the way.

even if your agent got it right, their headquarters might not... ive had instances like this a few times

so i check the policy very carefully when i make any adjustments.

BeemaaZ · 02-23-2012, 07:57 PM

Quote:

Originally Posted by kenchan

hummmm... that could be. insurance is kinda tricky since you dont know if you will really use it or not.

hahahaha.

i could completely remove my Z from insurance over the hibernating months but it would only save me like $120+ for the near 3months and the hassle of turning the coverage on/off is asking for clerical error to happen along the way.

even if your agent got it right, their headquarters might not... ive had instances like this a few times

so i check the policy very carefully when i make any adjustments.

Better safe and sorry! Good call Mr. Kenchan

Quote:

Originally Posted by kenchan

i am with a major insurance company covered for house/2 life/3cars/music instruments.

Sounds like you are perfectly "covered"

Quote:

Originally Posted by bluezed

I was told that CA does not have that mileage thing. I did put in 5000 miles/6 months and this is a 'leisure car' when I did my insurance. Though, don't really know if it had an effect. I'll call them again. I am looking at some of the rates that people get here, it seems like mine isn't bad at all. I pay $176/month for two cars with full coverage. I should take out the full coverage on my Integra though. Just debating if I should or not.

Actually some "Major" CA insurance companies do offer discount for "leisure car" or "pleasure use" but they will monitor your odometer readings from time to time usually at policy renewal.
I am paying $80 per month with "full coverage" deductible $100 for my Z after multicar & multiline discounts, loyalty discount, clean record more than 6 years and the so called "monitored" mileage program.

RedNismoZ · 02-09-2012, 02:37 PM

350ish two speeding tickets, 2 reckless driving, but most were dropped.

BigT · 02-09-2012, 02:42 PM

750 deductible, 100/300/50 coverage, age 26, single, live in NJ, and do not own a home yet.

$798 per 6 months.

SkiDoggAC · 02-09-2012, 02:58 PM

30, male, single, rent a home, 2 cars, 500 detectable, perfect record, $124.00 a month. I live in North Idaho.

Kim@Forged · 02-09-2012, 03:40 PM

Ga, Female, $150/month, no comp/collision, on a 240sx. (used to be 206/month but i just switched to geico)

BigT · 02-09-2012, 06:57 PM

Quote:

Originally Posted by BigT

750 deductible, 100/300/50 coverage, age 26, single, live in NJ, and do not own a home yet.

$798 per 6 months.

$798 is my paid in full for 6 months. Clean driving record for at least 3 years and with multi-car discount. Including my 2001 Hyundia beater, its $1047 for 6 months with the same coverage, but no comp/collision on the Hyundia. Again, with paid in full discount. Otherwise its its an extra $94.00.

Beats insuring just my old Evo for $1468 every 6 months with paid in full discount.

(sorry I forgot these details before)

MJB · 02-09-2012, 03:47 PM

State = Texas (WA resident but my Z is located in TX)
Age = 28
Deductable = $500
$119/month full coverage with USAA

anthonyy · 02-09-2012, 04:49 PM

too much...

bluezed · 02-09-2012, 05:00 PM

Country = U.S.
State = CA
Age = late 20s
Discounts = Good Driver, Multi-Car Discount (2 cars), and etc
Deductible = $500
6 Month Full Coverage Insurance Rate = $1011

300K/300K/100K - do not know the order but something like that.

02-09-2012, 02:30 PM	#1 (permalink)
Bonzo Track Member Join Date: Oct 2009 Location: Ohio Posts: 690 Drives: Finally, a 370Z!!! Rep Power: 3373	What Do You Pay For Insurance? I was reading another thread and someone posted a comment about living in a state where insurance is cheap, and I saw their definition of cheap. It was much more than I pay. So, I was just wondering, what does everyone pay around the globe? Of course if you could make it a bit detailed that would be helpful so we can compare. Here's me..... Country = U.S. State = Ohio Age = Mid 40's Discounts = Accident Free, 4 Cars & House Deductable = $250 6 Month Full Coverage Insurance Rate = $309 ($618 per year) Thanks for participating. Cheers --- Bonzo __________________ Finally Able To Order 2012 Model 8/24/2011 Delivered Tuesday November 15, 9:57 am!!! 2012, Auto, White, Sport, Kick Plates

02-09-2012, 02:37 PM	#8 (permalink)
RedNismoZ Enthusiast Member Join Date: Oct 2011 Location: Lexington, SC Posts: 429 Drives: a broken Nismo. Rep Power: 15	350ish two speeding tickets, 2 reckless driving, but most were dropped. __________________ Nismo or no go

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02-09-2012, 02:36 PM	#2 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141522	290 6months 100 deductable.

02-09-2012, 02:42 PM	#9 (permalink)
BigT Enthusiast Member Join Date: Jan 2012 Location: NJ Posts: 469 Drives: 98 2g DSM Rep Power: 15	750 deductible, 100/300/50 coverage, age 26, single, live in NJ, and do not own a home yet. $798 per 6 months.

02-09-2012, 02:58 PM	#10 (permalink)
SkiDoggAC Base Member Join Date: Oct 2011 Location: idaho Posts: 40 Drives: 2012 base + sport Rep Power: 15	30, male, single, rent a home, 2 cars, 500 detectable, perfect record, $124.00 a month. I live in North Idaho.

02-09-2012, 03:40 PM	#11 (permalink)
Kim@Forged Banned Join Date: Oct 2011 Location: Marietta Posts: 592 Drives: 92 Nissan 240sx rb20 Rep Power: 0	Ga, Female, $150/month, no comp/collision, on a 240sx. (used to be 206/month but i just switched to geico)

02-09-2012, 03:47 PM	#13 (permalink)
MJB A True Z Fanatic Join Date: Aug 2011 Location: Tacoma, WA Age: 42 Posts: 1,498 Drives: a POS truck Rep Power: 497	State = Texas (WA resident but my Z is located in TX) Age = 28 Deductable = $500 $119/month full coverage with USAA

02-09-2012, 04:49 PM	#14 (permalink)
anthonyy A True Z Fanatic Join Date: Apr 2011 Location: Los Gatos, CA Posts: 1,027 Drives: Lexus CT Rep Power: 18	too much...

02-09-2012, 05:00 PM	#15 (permalink)
bluezed Base Member Join Date: Jan 2012 Location: Bay Area, CA Posts: 60 Drives: 12 370Z MT/T/S/N Rep Power: 15	Country = U.S. State = CA Age = late 20s Discounts = Good Driver, Multi-Car Discount (2 cars), and etc Deductible = $500 6 Month Full Coverage Insurance Rate = $1011 300K/300K/100K - do not know the order but something like that.