Official Insurance Premium Discussion Thread

[bluezed]

Originally Posted by kenchan

290 6months 100 deductable.

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

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]

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]

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]

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]

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

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"

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.