Official Insurance Premium Discussion Thread

[BeksNice]

Originally Posted by dmhenderson

Yeah I would have straight up wrecked and killed myself in something like a Z when I was 18.

I think I pay like $110 a month for insurance with a clean record but my deductible is low.

Well, I am a very responsible 18 y/o driver. I drive defensively and do not show off on roads. So, I am not worried about wrecking it and getting myself killed. It is just funny that insurance on Z is 560$ and on let's say GTR (which is more than twice expensive and has more power) is only 750$. makes no sense to me.

[poorazn]

Originally Posted by BeksNice

So, I am not worried about wrecking it and getting myself killed.

Not to be mean but the insurance companies don't care if you're worried about having a wreck or not. They're worried.

I didn't see if you had any accidents or tickets... How's your credit? Is this your first car? How long you had a license? These could effect your rates

[BeksNice]

Originally Posted by poorazn

I didn't see if you had any accidents or tickets... How's your credit? Is this your first car? How long you had a license? These could effect your rates

It is my first car in the US. So, I never had an insurance here.
0 tickets obviously, and 0 accidents.
I have just recently got California driver license, but had my international one for soon to be 2 years.

[theDreamer]

Originally Posted by BeksNice

It is my first car in the US. So, I never had an insurance here.
0 tickets obviously, and 0 accidents.
I have just recently got California driver license, but had my international one for soon to be 2 years.

That is why, you are new to the US with no driving history, nothing wrong with that but Insurance companies will ding you.
Also, go see an agent in person, work with them on deductions for anything and everything.
Good student in school
Taking a defensive driving course can reduce the premium
Full payment instead of every month

There are many more, also take each quote to other places as they will try to beat it to get your business.